HOWARD COUNTY SCHOOL EM
Charter #16065 · Kokomo, IN · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.95% sits at the 0th percentile of structural peers — worth a closer look.
- Net interest margin of 0.25% sits at the 0th percentile of structural peers — worth a closer look.
- Cost of funds of 1.36% sits at the 89th percentile of structural peers — worth a closer look.
- Efficiency ratio of 440.40% sits at the 98th percentile of structural peers — worth a closer look.
- On Cost of funds, the asset-size band puts this credit union at the 73rd percentile but its structural peers at the 89th — a 16-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 | HOWARD COUNTY SCHOOL EM | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $32.22M | 66th pct | 72th pct |
| Members | 2,435 | 61th pct | 64th pct |
| Net worth ratio | 17.26% | 73th pct | 62th pct |
| Return on average assets | -0.95% | 6th pct | 0th pct |
| Net interest margin | 0.25% | 0th pct | 0th pct |
| Cost of funds | 1.36% | 73th pct | 89th pct |
| Loan-to-share | 30.25% | 10th pct | 20th pct |
| Delinquency 60+ days | 1.25% | 73th pct | 70th pct |
| Net charge-off ratio | 0.18% | 55th pct | 54th pct |
| Loan growth YoY | -6.71% | 19th pct | 34th pct |
| Share growth YoY | 1.04% | 36th pct | 33th pct |
| Efficiency ratio | 440.40% | 100th pct | 98th pct |
structural peer set hash: 6d05988c6cae78a980b960764d620e20… (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.