DAY-MET
Charter #97105 · Dayton, OH · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 7,822 sits at the 8th percentile of structural peers — worth a closer look.
- Net worth ratio of 8.78% sits at the 18th percentile of structural peers — worth a closer look.
- Net interest margin of 3.43% sits at the 13th percentile of structural peers — worth a closer look.
- Cost of funds of 1.99% sits at the 84th percentile of structural peers — worth a closer look.
- On Net interest margin, the asset-size band puts this credit union at the 36th percentile but its structural peers at the 13th — a 23-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 | DAY-MET | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $136.30M | 24th pct | 28th pct |
| Members | 7,822 | 17th pct | 8th pct |
| Net worth ratio | 8.78% | 11th pct | 18th pct |
| Return on average assets | 0.29% | 22th pct | 30th pct |
| Net interest margin | 3.43% | 36th pct | 13th pct |
| Cost of funds | 1.99% | 87th pct | 84th pct |
| Loan-to-share | 88.49% | 87th pct | 80th pct |
| Delinquency 60+ days | 0.76% | 62th pct | 66th pct |
| Net charge-off ratio | 0.72% | 79th pct | 72th pct |
| Loan growth YoY | -3.94% | 11th pct | 7th pct |
| Share growth YoY | 3.18% | 45th pct | 61th pct |
| Efficiency ratio | 84.93% | 72th pct | 62th pct |
structural peer set hash: 0a789c4c950a8c55a49712363389012e… (reproducible)
Closest structural peers
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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.