CM MEMBERS
Charter #24881 · Columbus, MS · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.32% sits at the 20th percentile of structural peers — worth a closer look.
- Cost of funds of 1.33% sits at the 79th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.50% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 25th percentile but its structural peers at the 46th — 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 | CM MEMBERS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $16.37M | 25th pct | 46th pct |
| Members | 1,797 | 37th pct | 44th pct |
| Net worth ratio | 15.54% | 63th pct | 52th pct |
| Return on average assets | 0.89% | 63th pct | 46th pct |
| Net interest margin | 3.32% | 27th pct | 20th pct |
| Cost of funds | 1.33% | 72th pct | 79th pct |
| Loan-to-share | 54.07% | 45th pct | 52th pct |
| Delinquency 60+ days | 0.56% | 49th pct | 54th pct |
| Net charge-off ratio | -0.50% | 2th pct | 2th pct |
| Loan growth YoY | -9.38% | 9th pct | 5th pct |
| Share growth YoY | 3.99% | 65th pct | 66th pct |
| Efficiency ratio | 84.22% | 60th pct | 74th pct |
structural peer set hash: c7754210db249ef2ef65975ab0144fe5… (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.