SOUTHEASTERN OHIO
Charter #96674 · Cambridge, OH · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 1.79% sits at the 82nd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.64% sits at the 75th percentile of structural peers — worth a closer look.
- On Net interest margin, the asset-size band puts this credit union at the 64th percentile but its structural peers at the 39th — a 25-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 | SOUTHEASTERN OHIO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $65.36M | 37th pct | 48th pct |
| Members | 6,475 | 73th pct | 59th pct |
| Net worth ratio | 11.72% | 38th pct | 44th pct |
| Return on average assets | 1.21% | 75th pct | 67th pct |
| Net interest margin | 3.95% | 64th pct | 39th pct |
| Cost of funds | 1.79% | 88th pct | 82th pct |
| Loan-to-share | 62.20% | 53th pct | 44th pct |
| Delinquency 60+ days | 1.01% | 72th pct | 66th pct |
| Net charge-off ratio | 0.64% | 78th pct | 75th pct |
| Loan growth YoY | -1.55% | 50th pct | 43th pct |
| Share growth YoY | 2.68% | 47th pct | 31th pct |
| Efficiency ratio | 68.35% | 23th pct | 30th pct |
structural peer set hash: 7a56a2397bec47037d55c9e6675a899f… (reproducible)
Closest structural peers
This is the free public view
Claim SOUTHEASTERN OHIO
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.