FERGUSON
Charter #18515 · Monticello, MS · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 10,064 ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.69% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 2.04% sits at the 87th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 2.57% sits at the 97th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.13% sits at the 95th 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 | FERGUSON | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $96.20M | 96th pct | 64th pct |
| Members | 10,064 | 95th pct | 87th pct |
| Net worth ratio | 9.68% | 16th pct | 26th pct |
| Return on average assets | 0.29% | 27th pct | 26th pct |
| Net interest margin | 4.69% | 91th pct | 89th pct |
| Cost of funds | 2.04% | 92th pct | 87th pct |
| Loan-to-share | 76.75% | 79th pct | 48th pct |
| Delinquency 60+ days | 2.57% | 97th pct | 97th pct |
| Net charge-off ratio | 1.13% | 91th pct | 95th pct |
| Loan growth YoY | 4.16% | 89th pct | 87th pct |
| Share growth YoY | 1.41% | 34th pct | 28th pct |
| Efficiency ratio | 90.23% | 81th pct | 75th pct |
structural peer set hash: 0098060bfcbe4127821b25489b3ea5d1… (reproducible)
Closest structural peers
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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.