WHITE COUNTY
Charter #24428 · SEARCY, AR · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Delinquency 60+ days of 2.29% sits at the 87th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.38% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 88th percentile but its structural peers at the 64th — a 24-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 | WHITE COUNTY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $17.62M | 29th pct | 38th pct |
| Members | 2,039 | 47th pct | 36th pct |
| Net worth ratio | 16.77% | 70th pct | 70th pct |
| Return on average assets | 0.81% | 58th pct | 46th pct |
| Net interest margin | 4.85% | 88th pct | 64th pct |
| Cost of funds | 1.47% | 77th pct | 67th pct |
| Loan-to-share | 78.00% | 82th pct | 64th pct |
| Delinquency 60+ days | 2.29% | 88th pct | 87th pct |
| Net charge-off ratio | -0.38% | 3th pct | 5th pct |
| Loan growth YoY | -7.76% | 14th pct | 11th pct |
| Share growth YoY | -0.27% | 24th pct | 26th pct |
| Efficiency ratio | 81.00% | 52th pct | 61th pct |
structural peer set hash: 6418bd3c64f0e83e5210c3f16e9f739a… (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.