FO ME BO CO
Charter #19432 · Wabash, IN · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.93% ranks in the 95th 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.
- Net charge-off ratio of 0.00% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 58.30% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 67th percentile but its structural peers at the 46th — a 21-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 | FO ME BO CO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $3.97M | 50th pct | 39th pct |
| Members | 678 | 58th pct | 39th pct |
| Net worth ratio | 16.08% | 43th pct | 57th pct |
| Return on average assets | 1.93% | 89th pct | 95th pct |
| Net interest margin | 4.57% | 67th pct | 56th pct |
| Cost of funds | 0.47% | 48th pct | 31th pct |
| Loan-to-share | 72.95% | 67th pct | 46th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.00% | 22th pct | 18th pct |
| Loan growth YoY | -5.78% | 47th pct | 52th pct |
| Share growth YoY | -10.31% | 7th pct | 2th pct |
| Efficiency ratio | 58.30% | 14th pct | 5th pct |
structural peer set hash: 15ef9e1668e926f39c905b6f262906d3… (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.