CHOCTAW
Charter #22314 · CHOCTAW, MS · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 2,064 ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of -4.65% sits at the 0th percentile of structural peers — worth a closer look.
- Net interest margin of 6.67% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.43% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 3.01% sits at the 90th 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 | CHOCTAW | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.95M | 40th pct | 18th pct |
| Members | 2,064 | 97th pct | 93th pct |
| Net worth ratio | 25.86% | 77th pct | 69th pct |
| Return on average assets | -4.65% | 4th pct | 0th pct |
| Net interest margin | 6.67% | 95th pct | 95th pct |
| Cost of funds | 0.43% | 46th pct | 25th pct |
| Loan-to-share | 79.67% | 77th pct | 57th pct |
| Delinquency 60+ days | 1.91% | 67th pct | 70th pct |
| Net charge-off ratio | 3.01% | 94th pct | 90th pct |
| Loan growth YoY | 1.37% | 79th pct | 79th pct |
| Share growth YoY | 14.38% | 97th pct | 97th pct |
| Efficiency ratio | 131.16% | 90th pct | 98th pct |
structural peer set hash: d0511f4fe2e774aaa54a8357583ae7de… (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.