CENTRAL MISSOURI COMMUNITY
Charter #60383 · WARRENSBURG, MO · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 7.96% sits at the 3rd percentile of structural peers — worth a closer look.
- Cost of funds of 0.65% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.24% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 91.02% sits at the 89th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 26th percentile but its structural peers at the 46th — 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 | CENTRAL MISSOURI COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $141.55M | 26th pct | 46th pct |
| Members | 14,712 | 58th pct | 67th pct |
| Net worth ratio | 7.96% | 3th pct | 3th pct |
| Return on average assets | 0.27% | 21th pct | 26th pct |
| Net interest margin | 3.82% | 61th pct | 46th pct |
| Cost of funds | 0.65% | 24th pct | 25th pct |
| Loan-to-share | 69.93% | 46th pct | 49th pct |
| Delinquency 60+ days | 0.44% | 36th pct | 41th pct |
| Net charge-off ratio | 0.24% | 36th pct | 21th pct |
| Loan growth YoY | 2.54% | 72th pct | 82th pct |
| Share growth YoY | 4.33% | 62th pct | 67th pct |
| Efficiency ratio | 91.02% | 87th pct | 89th pct |
structural peer set hash: e29703b164ce4a4b4eb667aa44726442… (reproducible)
Closest structural peers
This is the free public view
Claim CENTRAL MISSOURI COMMUNITY
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.