CIVIC CENTRAL
Charter #62598 · Jefferson City, MO · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 4,926 sits at the 20th percentile of structural peers — worth a closer look.
- Net interest margin of 3.10% sits at the 10th percentile of structural peers — worth a closer look.
- Cost of funds of 0.25% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 60.03% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 2nd percentile but its structural peers at the 51st — a 48-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 | CIVIC CENTRAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $102.40M | 2th pct | 51th pct |
| Members | 4,926 | 4th pct | 20th pct |
| Net worth ratio | 13.81% | 77th pct | 72th pct |
| Return on average assets | 1.13% | 76th pct | 59th pct |
| Net interest margin | 3.10% | 19th pct | 10th pct |
| Cost of funds | 0.25% | 11th pct | 18th pct |
| Loan-to-share | 51.12% | 13th pct | 30th pct |
| Delinquency 60+ days | 0.38% | 29th pct | 36th pct |
| Net charge-off ratio | 0.35% | 49th pct | 41th pct |
| Loan growth YoY | 15.00% | 99th pct | 97th pct |
| Share growth YoY | 2.12% | 30th pct | 21th pct |
| Efficiency ratio | 60.03% | 9th pct | 15th pct |
structural peer set hash: 64f6bc2280932a1b38785394fd211b59… (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.