MEMBERS EXCHANGE
Charter #24952 · Jackson, MS · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 21.03% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.05% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.13% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.51% sits at the 75th percentile of structural peers — worth a closer look.
- Efficiency ratio of 84.24% sits at the 80th percentile of structural peers — worth a closer look.
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 | MEMBERS EXCHANGE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $143.53M | 28th pct | 51th pct |
| Members | 11,611 | 42th pct | 61th pct |
| Net worth ratio | 21.03% | 98th pct | 85th pct |
| Return on average assets | 0.72% | 52th pct | 33th pct |
| Net interest margin | 4.05% | 74th pct | 80th pct |
| Cost of funds | 1.38% | 60th pct | 62th pct |
| Loan-to-share | 57.76% | 23th pct | 43th pct |
| Delinquency 60+ days | 0.13% | 9th pct | 13th pct |
| Net charge-off ratio | 0.51% | 66th pct | 75th pct |
| Loan growth YoY | -1.48% | 30th pct | 38th pct |
| Share growth YoY | 3.84% | 56th pct | 44th pct |
| Efficiency ratio | 84.24% | 70th pct | 80th pct |
structural peer set hash: 47d5b358569b4d64a5f92ae071a87037… (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.