CONSUMER'S
Charter #22719 · Gregory, SD · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,613 sits at the 20th percentile of structural peers — worth a closer look.
- Net worth ratio of 9.12% sits at the 20th percentile of structural peers — worth a closer look.
- Cost of funds of 1.53% sits at the 85th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 42nd percentile but its structural peers at the 25th — a 17-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 | CONSUMER'S | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $22.12M | 42th pct | 25th pct |
| Members | 1,613 | 29th pct | 20th pct |
| Net worth ratio | 9.12% | 11th pct | 20th pct |
| Return on average assets | 0.86% | 61th pct | 52th pct |
| Net interest margin | 3.33% | 27th pct | 28th pct |
| Cost of funds | 1.53% | 79th pct | 85th pct |
| Loan-to-share | 50.43% | 38th pct | 43th pct |
| Delinquency 60+ days | 0.51% | 46th pct | 56th pct |
| Net charge-off ratio | 0.02% | 39th pct | 31th pct |
| Loan growth YoY | -2.96% | 46th pct | 30th pct |
| Share growth YoY | 18.43% | 99th pct | 93th pct |
| Efficiency ratio | 80.67% | 50th pct | 52th pct |
structural peer set hash: 35ea1c7dda27338a603c4457e7c5b7c6… (reproducible)
Closest structural peers
This is the free public view
Claim CONSUMER'S
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.