MOHAVE COMMUNITY
Charter #12000 · KINGMAN, AZ · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.75% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.61% sits at the 89th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.35% sits at the 89th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 27th percentile but its structural peers at the 46th — a 19-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 | MOHAVE COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $61.27M | 27th pct | 46th pct |
| Members | 5,292 | 55th pct | 49th pct |
| Net worth ratio | 12.72% | 49th pct | 44th pct |
| Return on average assets | 0.80% | 56th pct | 46th pct |
| Net interest margin | 4.75% | 92th pct | 92th pct |
| Cost of funds | 0.63% | 30th pct | 39th pct |
| Loan-to-share | 60.10% | 48th pct | 48th pct |
| Delinquency 60+ days | 1.61% | 88th pct | 89th pct |
| Net charge-off ratio | 1.35% | 93th pct | 89th pct |
| Loan growth YoY | -4.08% | 26th pct | 34th pct |
| Share growth YoY | 1.39% | 34th pct | 25th pct |
| Efficiency ratio | 64.29% | 16th pct | 26th pct |
structural peer set hash: 9629a29f2d875f1dacaca1035ecc4a49… (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.