EXPLORERS
Charter #14874 · YANKTON, SD · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 9,040 sits at the 25th percentile of structural peers — worth a closer look.
- Net worth ratio of 9.44% sits at the 18th percentile of structural peers — worth a closer look.
- Cost of funds of 0.40% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.07% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 90.46% sits at the 85th 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 | EXPLORERS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $112.62M | 9th pct | 16th pct |
| Members | 9,040 | 25th pct | 25th pct |
| Net worth ratio | 9.44% | 20th pct | 18th pct |
| Return on average assets | 0.45% | 33th pct | 26th pct |
| Net interest margin | 3.91% | 68th pct | 66th pct |
| Cost of funds | 0.40% | 16th pct | 23th pct |
| Loan-to-share | 66.34% | 39th pct | 28th pct |
| Delinquency 60+ days | 0.49% | 41th pct | 30th pct |
| Net charge-off ratio | -0.07% | 1th pct | 0th pct |
| Loan growth YoY | 0.45% | 52th pct | 52th pct |
| Share growth YoY | 5.93% | 80th pct | 80th pct |
| Efficiency ratio | 90.46% | 86th pct | 85th pct |
structural peer set hash: f366e4cd0af9039ecc0f6099ce224615… (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.