SM
Charter #13941 · MISSION, KS · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 2,364 sits at the 18th percentile of structural peers — worth a closer look.
- Net worth ratio of 19.45% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.34% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.06% sits at the 3rd percentile of structural peers — worth a closer look.
- Cost of funds of 2.46% sits at the 90th percentile of structural peers — worth a closer look.
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 | SM | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $77.80M | 63th pct | 51th pct |
| Members | 2,364 | 3th pct | 18th pct |
| Net worth ratio | 19.45% | 89th pct | 80th pct |
| Return on average assets | 1.34% | 80th pct | 79th pct |
| Net interest margin | 2.06% | 2th pct | 3th pct |
| Cost of funds | 2.46% | 97th pct | 90th pct |
| Loan-to-share | 74.34% | 76th pct | 41th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.00% | 14th pct | 20th pct |
| Loan growth YoY | 2.07% | 80th pct | 79th pct |
| Share growth YoY | 0.41% | 22th pct | 33th pct |
| Efficiency ratio | 35.59% | 1th pct | 0th pct |
structural peer set hash: c64fca5065fb8efecf30213c607e6de3… (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.