MAGNOLIA
Charter #224 · Jackson, MS · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 21,084 ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 22.77% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 5.35% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.72% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 1.31% sits at the 87th 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 | MAGNOLIA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $188.13M | 47th pct | 66th pct |
| Members | 21,084 | 80th pct | 80th pct |
| Net worth ratio | 22.77% | 99th pct | 95th pct |
| Return on average assets | 1.49% | 88th pct | 69th pct |
| Net interest margin | 5.35% | 99th pct | 90th pct |
| Cost of funds | 0.72% | 27th pct | 20th pct |
| Loan-to-share | 81.21% | 71th pct | 56th pct |
| Delinquency 60+ days | 0.52% | 43th pct | 44th pct |
| Net charge-off ratio | 1.31% | 94th pct | 87th pct |
| Loan growth YoY | -3.99% | 10th pct | 7th pct |
| Share growth YoY | 7.93% | 92th pct | 87th pct |
| Efficiency ratio | 73.18% | 31th pct | 48th pct |
structural peer set hash: 358777318d42df2699968d25f28f67df… (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.