KYGER CREEK
Charter #96737 · Cheshire, OH · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,065 sits at the 7th percentile of structural peers — worth a closer look.
- Net interest margin of 2.53% sits at the 3rd percentile of structural peers — worth a closer look.
- Cost of funds of 2.71% sits at the 97th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.04% sits at the 77th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.01% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
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 | KYGER CREEK | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $20.30M | 36th pct | 44th pct |
| Members | 1,065 | 7th pct | 7th pct |
| Net worth ratio | 19.36% | 82th pct | 64th pct |
| Return on average assets | 0.78% | 56th pct | 31th pct |
| Net interest margin | 2.53% | 6th pct | 3th pct |
| Cost of funds | 2.71% | 97th pct | 97th pct |
| Loan-to-share | 60.74% | 56th pct | 52th pct |
| Delinquency 60+ days | 1.04% | 69th pct | 77th pct |
| Net charge-off ratio | -0.01% | 20th pct | 25th pct |
| Loan growth YoY | 1.69% | 80th pct | 85th pct |
| Share growth YoY | 4.77% | 72th pct | 72th pct |
| Efficiency ratio | 66.49% | 20th pct | 33th pct |
structural peer set hash: 458560f94354a709e4be650f760a5f81… (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.