MUTUAL
Charter #24948 · Vicksburg, MS · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 13.76% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.51% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.03% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.85% sits at the 75th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 5th percentile but its structural peers at the 46th — a 41-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 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $517.30M | 5th pct | 46th pct |
| Members | 42,421 | 51th pct | 52th pct |
| Net worth ratio | 13.76% | 86th pct | 79th pct |
| Return on average assets | 1.51% | 91th pct | 89th pct |
| Net interest margin | 4.03% | 86th pct | 80th pct |
| Cost of funds | 1.11% | 27th pct | 41th pct |
| Loan-to-share | 63.22% | 15th pct | 33th pct |
| Delinquency 60+ days | 0.85% | 70th pct | 75th pct |
| Net charge-off ratio | 0.70% | 75th pct | 61th pct |
| Loan growth YoY | 1.38% | 54th pct | 59th pct |
| Share growth YoY | 4.93% | 66th pct | 66th pct |
| Efficiency ratio | 72.66% | 26th pct | 36th pct |
structural peer set hash: 52c1b718cad63872127eed0bb9ea6b34… (reproducible)
Closest structural peers
This is the free public view
Claim MUTUAL
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.