MAINSTREET
Charter #24858 · Lenexa, KS · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.62% sits at the 21st percentile of structural peers — worth a closer look.
- On Net charge-off ratio, the asset-size band puts this credit union at the 62nd percentile but its structural peers at the 39th — a 22-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 | MAINSTREET | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $693.59M | 46th pct | 57th pct |
| Members | 54,286 | 81th pct | 67th pct |
| Net worth ratio | 9.62% | 33th pct | 21th pct |
| Return on average assets | 0.53% | 43th pct | 38th pct |
| Net interest margin | 3.48% | 47th pct | 43th pct |
| Cost of funds | 0.92% | 21th pct | 28th pct |
| Loan-to-share | 62.81% | 13th pct | 18th pct |
| Delinquency 60+ days | 0.53% | 43th pct | 38th pct |
| Net charge-off ratio | 0.54% | 62th pct | 39th pct |
| Loan growth YoY | -1.31% | 23th pct | 33th pct |
| Share growth YoY | 2.84% | 34th pct | 43th pct |
| Efficiency ratio | 75.54% | 36th pct | 38th pct |
structural peer set hash: 808dfea452b76c6f4eda96d0f83ad40a… (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.