MEMBERS CHOICE
Charter #62026 · ASHLAND, KY · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 23,216 ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 8.31% sits at the 10th percentile of structural peers — worth a closer look.
- Net interest margin of 3.22% sits at the 21st percentile of structural peers — worth a closer look.
- Cost of funds of 2.14% sits at the 93rd percentile of structural peers — worth a closer look.
- On Efficiency ratio, the asset-size band puts this credit union at the 56th percentile but its structural peers at the 36th — 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 | MEMBERS CHOICE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $425.77M | 93th pct | 89th pct |
| Members | 23,216 | 85th pct | 79th pct |
| Net worth ratio | 8.31% | 5th pct | 10th pct |
| Return on average assets | 0.65% | 46th pct | 61th pct |
| Net interest margin | 3.22% | 24th pct | 21th pct |
| Cost of funds | 2.14% | 92th pct | 93th pct |
| Loan-to-share | 75.20% | 56th pct | 48th pct |
| Delinquency 60+ days | 0.62% | 51th pct | 41th pct |
| Net charge-off ratio | 0.45% | 59th pct | 64th pct |
| Loan growth YoY | 3.64% | 79th pct | 77th pct |
| Share growth YoY | 3.57% | 52th pct | 61th pct |
| Efficiency ratio | 80.13% | 56th pct | 36th pct |
structural peer set hash: dff285da27e2bbd0ffed5c0ac0d74bf1… (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.