CIT-CO
Charter #9644 · Sheridan, WY · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.71% sits at the 11th percentile of structural peers — worth a closer look.
- Net interest margin of 3.03% sits at the 20th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.03% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- On Loan growth YoY, the asset-size band puts this credit union at the 43rd percentile but its structural peers at the 16th — a 27-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | CIT-CO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $31.83M | 65th pct | 57th pct |
| Members | 2,251 | 56th pct | 33th pct |
| Net worth ratio | 8.71% | 9th pct | 11th pct |
| Return on average assets | 0.95% | 66th pct | 69th pct |
| Net interest margin | 3.03% | 18th pct | 20th pct |
| Cost of funds | 1.49% | 78th pct | 62th pct |
| Loan-to-share | 68.77% | 69th pct | 49th pct |
| Delinquency 60+ days | 0.58% | 50th pct | 41th pct |
| Net charge-off ratio | -0.03% | 16th pct | 10th pct |
| Loan growth YoY | -3.31% | 43th pct | 16th pct |
| Share growth YoY | 16.61% | 99th pct | 95th pct |
| Efficiency ratio | 71.50% | 29th pct | 36th pct |
structural peer set hash: bd3b6f958786ab690bfe8b74dd1e1644… (reproducible)
Closest structural peers
This is the free public view
Claim CIT-CO
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.