GENFED FINANCIAL
Charter #97106 · Akron, OH · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 16.69% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.31% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.05% sits at the 77th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 78th percentile but its structural peers at the 56th — a 22-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 | GENFED FINANCIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $332.35M | 78th pct | 56th pct |
| Members | 24,137 | 87th pct | 74th pct |
| Net worth ratio | 16.69% | 92th pct | 92th pct |
| Return on average assets | 1.31% | 83th pct | 72th pct |
| Net interest margin | 4.31% | 85th pct | 84th pct |
| Cost of funds | 0.66% | 25th pct | 31th pct |
| Loan-to-share | 74.66% | 55th pct | 46th pct |
| Delinquency 60+ days | 1.05% | 78th pct | 77th pct |
| Net charge-off ratio | 0.26% | 38th pct | 41th pct |
| Loan growth YoY | 0.05% | 49th pct | 41th pct |
| Share growth YoY | 8.81% | 95th pct | 95th pct |
| Efficiency ratio | 73.11% | 31th pct | 41th pct |
structural peer set hash: 427ed608dfca3ea7f5fb7a9c392d6adb… (reproducible)
Closest structural peers
This is the free public view
Claim GENFED FINANCIAL
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.