MAIN IMPACT
Charter #22978 · Murray, KY · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 10.06% sits at the 23rd percentile of structural peers — worth a closer look.
- Cost of funds of 0.31% ranks in the 15th 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.
- On Loan growth YoY, the asset-size band puts this credit union at the 60th percentile but its structural peers at the 39th — 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 | MAIN IMPACT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $23.88M | 46th pct | 34th pct |
| Members | 2,002 | 46th pct | 39th pct |
| Net worth ratio | 10.06% | 19th pct | 23th pct |
| Return on average assets | 0.66% | 50th pct | 36th pct |
| Net interest margin | 3.97% | 57th pct | 49th pct |
| Cost of funds | 0.31% | 21th pct | 15th pct |
| Loan-to-share | 67.07% | 66th pct | 61th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.04% | 41th pct | 39th pct |
| Loan growth YoY | -1.15% | 60th pct | 39th pct |
| Share growth YoY | 5.02% | 75th pct | 59th pct |
| Efficiency ratio | 80.64% | 50th pct | 49th pct |
structural peer set hash: d6be1d2f2b293a69d9bb9ea1bd61de18… (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.