MCDONALD COMMUNITY
Charter #1599 · MC DONALD, OH · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 0.04% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 56th percentile but its structural peers at the 23rd — a 33-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 | MCDONALD COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $4.63M | 56th pct | 23th pct |
| Members | 730 | 64th pct | 41th pct |
| Net worth ratio | 11.89% | 22th pct | 30th pct |
| Return on average assets | 0.57% | 56th pct | 64th pct |
| Net interest margin | 3.93% | 47th pct | 69th pct |
| Cost of funds | 0.04% | 15th pct | 5th pct |
| Loan-to-share | 12.20% | 6th pct | 11th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.00% | 22th pct | 30th pct |
| Loan growth YoY | -20.70% | 6th pct | 8th pct |
| Share growth YoY | -7.53% | 11th pct | 5th pct |
| Efficiency ratio | 86.04% | 50th pct | 44th pct |
structural peer set hash: e1f6075374db9cdca1ccc36f08bc3e7f… (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.