KIMBERLY CLARK
Charter #60928 · MEMPHIS, TN · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 22.03% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.48% sits at the 16th percentile of structural peers — worth a closer look.
- Cost of funds of 2.22% sits at the 98th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.05% sits at the 79th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 29th percentile but its structural peers at the 61st — a 32-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 | KIMBERLY CLARK | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $145.93M | 29th pct | 61th pct |
| Members | 8,240 | 20th pct | 39th pct |
| Net worth ratio | 22.03% | 98th pct | 89th pct |
| Return on average assets | 0.54% | 39th pct | 36th pct |
| Net interest margin | 3.48% | 39th pct | 16th pct |
| Cost of funds | 2.22% | 93th pct | 98th pct |
| Loan-to-share | 72.10% | 50th pct | 62th pct |
| Delinquency 60+ days | 1.05% | 78th pct | 79th pct |
| Net charge-off ratio | 0.73% | 79th pct | 72th pct |
| Loan growth YoY | -1.30% | 32th pct | 44th pct |
| Share growth YoY | 2.64% | 38th pct | 46th pct |
| Efficiency ratio | 73.81% | 33th pct | 41th pct |
structural peer set hash: f76084013966db6140ffc53960177801… (reproducible)
Closest structural peers
This is the free public view
Claim KIMBERLY CLARK
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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.