PRIORITY
Charter #18353 · Russellville, AR · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,974 ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.42% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.08% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 105.90% sits at the 87th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 85th percentile but its structural peers at the 61st — a 24-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 | PRIORITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $7.80M | 85th pct | 61th pct |
| Members | 1,974 | 97th pct | 85th pct |
| Net worth ratio | 10.98% | 17th pct | 26th pct |
| Return on average assets | 0.02% | 33th pct | 28th pct |
| Net interest margin | 4.11% | 52th pct | 43th pct |
| Cost of funds | 0.42% | 45th pct | 25th pct |
| Loan-to-share | 80.14% | 77th pct | 59th pct |
| Delinquency 60+ days | 0.30% | 37th pct | 34th pct |
| Net charge-off ratio | -0.08% | 14th pct | 11th pct |
| Loan growth YoY | 4.31% | 86th pct | 87th pct |
| Share growth YoY | -1.64% | 36th pct | 20th pct |
| Efficiency ratio | 105.90% | 78th pct | 87th pct |
structural peer set hash: d9690cb25605c3022650a84477d647fe… (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.