540 I.B.E.W.
Charter #96652 · Massillon, OH · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 0.20% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.14% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- On Net worth ratio, the asset-size band puts this credit union at the 23rd percentile but its structural peers at the 44th — a 21-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 | 540 I.B.E.W. | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.40M | 23th pct | 15th pct |
| Members | 434 | 38th pct | 33th pct |
| Net worth ratio | 12.18% | 23th pct | 44th pct |
| Return on average assets | 0.96% | 71th pct | 66th pct |
| Net interest margin | 3.74% | 40th pct | 33th pct |
| Cost of funds | 0.20% | 29th pct | 23th pct |
| Loan-to-share | 75.85% | 71th pct | 54th pct |
| Delinquency 60+ days | 1.72% | 64th pct | 67th pct |
| Net charge-off ratio | -0.14% | 12th pct | 11th pct |
| Loan growth YoY | 0.16% | 75th pct | 69th pct |
| Share growth YoY | -4.04% | 22th pct | 16th pct |
| Efficiency ratio | 77.62% | 35th pct | 36th pct |
structural peer set hash: e9ccf4b66cf75fc8e45bbd0efc9e12b9… (reproducible)
Closest structural peers
This is the free public view
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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.