SOLIDARITY COMMUNITY
Charter #9923 · Kokomo, IN · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 23,763 ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.19% sits at the 8th percentile of structural peers — worth a closer look.
- Net interest margin of 3.09% sits at the 21st percentile of structural peers — worth a closer look.
- Efficiency ratio of 90.75% sits at the 89th percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 23rd percentile but its structural peers at the 39th — a 17-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 | SOLIDARITY COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $354.62M | 83th pct | 85th pct |
| Members | 23,763 | 86th pct | 79th pct |
| Net worth ratio | 12.15% | 59th pct | 54th pct |
| Return on average assets | 0.19% | 16th pct | 8th pct |
| Net interest margin | 3.09% | 18th pct | 21th pct |
| Cost of funds | 1.22% | 50th pct | 56th pct |
| Loan-to-share | 57.77% | 23th pct | 39th pct |
| Delinquency 60+ days | 0.26% | 19th pct | 26th pct |
| Net charge-off ratio | 0.37% | 52th pct | 43th pct |
| Loan growth YoY | -7.08% | 2th pct | 2th pct |
| Share growth YoY | 3.69% | 54th pct | 39th pct |
| Efficiency ratio | 90.75% | 86th pct | 89th pct |
structural peer set hash: af5965e25faf881fcf8646219be0bab6… (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.