I R E B
Charter #9952 · Brooklyn, NY · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Delinquency 60+ days of 7.79% sits at the 89th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.00% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 7th percentile but its structural peers at the 33rd — a 26-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 | I R E B | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.61M | 36th pct | 54th pct |
| Members | 234 | 18th pct | 28th pct |
| Net worth ratio | 18.80% | 53th pct | 49th pct |
| Return on average assets | 0.35% | 48th pct | 48th pct |
| Net interest margin | 3.10% | 23th pct | 46th pct |
| Cost of funds | 0.87% | 61th pct | 72th pct |
| Loan-to-share | 14.03% | 7th pct | 33th pct |
| Delinquency 60+ days | 7.79% | 93th pct | 89th pct |
| Net charge-off ratio | 0.00% | 22th pct | 23th pct |
| Loan growth YoY | -8.23% | 35th pct | 54th pct |
| Share growth YoY | -4.66% | 18th pct | 26th pct |
| Efficiency ratio | 89.55% | 55th pct | 52th pct |
structural peer set hash: 61049f469bf328303128202a2fd1e24c… (reproducible)
Closest structural peers
This is the free public view
Claim I R E B
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.