NATURAL STATE
Charter #24432 · SEARCY, AR · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net charge-off ratio of -0.02% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 94th percentile but its structural peers at the 43rd — a 52-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 | NATURAL STATE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $9.10M | 94th pct | 43th pct |
| Members | 1,224 | 89th pct | 49th pct |
| Net worth ratio | 16.52% | 45th pct | 69th pct |
| Return on average assets | 0.73% | 62th pct | 56th pct |
| Net interest margin | 4.62% | 68th pct | 67th pct |
| Cost of funds | 1.45% | 77th pct | 67th pct |
| Loan-to-share | 76.01% | 71th pct | 72th pct |
| Delinquency 60+ days | 0.27% | 36th pct | 38th pct |
| Net charge-off ratio | -0.02% | 19th pct | 23th pct |
| Loan growth YoY | 2.42% | 82th pct | 82th pct |
| Share growth YoY | 4.58% | 79th pct | 72th pct |
| Efficiency ratio | 87.28% | 52th pct | 66th pct |
structural peer set hash: 767df862e01ccefe13186608242aabe3… (reproducible)
Closest structural peers
This is the free public view
Claim NATURAL STATE
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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.