MORNING STAR
Charter #14610 · Tulsa, OK · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 394 sits at the 15th percentile of structural peers — worth a closer look.
- Net worth ratio of 6.13% sits at the 3rd percentile of structural peers — worth a closer look.
- Net interest margin of 2.68% sits at the 11th percentile of structural peers — worth a closer look.
- Cost of funds of 1.96% sits at the 79th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 6.31% 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 | MORNING STAR | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.12M | 19th pct | 10th pct |
| Members | 394 | 34th pct | 15th pct |
| Net worth ratio | 6.13% | 2th pct | 3th pct |
| Return on average assets | 0.58% | 56th pct | 69th pct |
| Net interest margin | 2.68% | 15th pct | 11th pct |
| Cost of funds | 1.96% | 87th pct | 79th pct |
| Loan-to-share | 46.58% | 37th pct | 34th pct |
| Delinquency 60+ days | 6.31% | 90th pct | 90th pct |
| Net charge-off ratio | 0.00% | 22th pct | 23th pct |
| Loan growth YoY | -2.45% | 63th pct | 57th pct |
| Share growth YoY | 12.60% | 96th pct | 90th pct |
| Efficiency ratio | 78.53% | 37th pct | 25th pct |
structural peer set hash: e5d89a9f05c91296c5c04eb7dc89e617… (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.