MUTUAL FIRST
Charter #24540 · Omaha, NE · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 7.86% sits at the 0th percentile of structural peers — worth a closer look.
- Return on average assets of 0.04% sits at the 3rd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 2.75% sits at the 98th percentile of structural peers — worth a closer look.
- Efficiency ratio of 90.16% sits at the 87th percentile of structural peers — worth a closer look.
- On Net interest margin, the asset-size band puts this credit union at the 56th percentile but its structural peers at the 36th — a 20-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 | MUTUAL FIRST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $126.10M | 17th pct | 15th pct |
| Members | 10,093 | 33th pct | 26th pct |
| Net worth ratio | 7.86% | 3th pct | 0th pct |
| Return on average assets | 0.04% | 9th pct | 3th pct |
| Net interest margin | 3.74% | 56th pct | 36th pct |
| Cost of funds | 1.41% | 63th pct | 69th pct |
| Loan-to-share | 76.69% | 60th pct | 61th pct |
| Delinquency 60+ days | 2.75% | 98th pct | 98th pct |
| Net charge-off ratio | 0.51% | 66th pct | 62th pct |
| Loan growth YoY | -2.50% | 20th pct | 18th pct |
| Share growth YoY | 8.26% | 93th pct | 92th pct |
| Efficiency ratio | 90.16% | 86th pct | 87th pct |
structural peer set hash: ab0ba4c534878282c86aa79888743c0c… (reproducible)
Closest structural peers
This is the free public view
Claim MUTUAL FIRST
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.