USEM MENA
Charter #18343 · Mena, AR · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 79th percentile but its structural peers at the 52nd — a 27-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 | USEM MENA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.69M | 26th pct | 16th pct |
| Members | 397 | 35th pct | 28th pct |
| Net worth ratio | 33.75% | 89th pct | 74th pct |
| Return on average assets | 1.37% | 81th pct | 70th pct |
| Net interest margin | 5.10% | 79th pct | 52th pct |
| Cost of funds | 1.22% | 72th pct | 59th pct |
| Loan-to-share | 118.21% | 99th pct | 90th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.00% | 22th pct | 30th pct |
| Loan growth YoY | 23.61% | 96th pct | 98th pct |
| Share growth YoY | -5.31% | 16th pct | 18th pct |
| Efficiency ratio | 74.64% | 30th pct | 36th pct |
structural peer set hash: 34adbf2ded805b97cc144683ed8937e4… (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.