METRO
Charter #61840 · Springfield, MO · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.24% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.32% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.92% sits at the 84th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.89% sits at the 85th 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 | METRO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $122.49M | 15th pct | 26th pct |
| Members | 9,200 | 26th pct | 30th pct |
| Net worth ratio | 12.74% | 66th pct | 64th pct |
| Return on average assets | 0.64% | 45th pct | 44th pct |
| Net interest margin | 4.24% | 82th pct | 85th pct |
| Cost of funds | 0.32% | 13th pct | 16th pct |
| Loan-to-share | 67.57% | 40th pct | 52th pct |
| Delinquency 60+ days | 0.92% | 72th pct | 84th pct |
| Net charge-off ratio | 0.89% | 86th pct | 85th pct |
| Loan growth YoY | -3.66% | 13th pct | 10th pct |
| Share growth YoY | 1.86% | 26th pct | 34th pct |
| Efficiency ratio | 75.04% | 38th pct | 36th pct |
structural peer set hash: fb55091a29eaa3298bab165bb4b3ba47… (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.