MEMBERS COMMUNITY
Charter #62683 · Muscatine, IA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.17% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 98th percentile but its structural peers at the 69th — a 30-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 COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $98.55M | 98th pct | 69th pct |
| Members | 8,059 | 87th pct | 72th pct |
| Net worth ratio | 12.24% | 43th pct | 59th pct |
| Return on average assets | 1.17% | 73th pct | 77th pct |
| Net interest margin | 3.58% | 43th pct | 28th pct |
| Cost of funds | 1.39% | 75th pct | 67th pct |
| Loan-to-share | 75.11% | 77th pct | 56th pct |
| Delinquency 60+ days | 0.29% | 28th pct | 26th pct |
| Net charge-off ratio | 0.11% | 34th pct | 38th pct |
| Loan growth YoY | 2.24% | 81th pct | 66th pct |
| Share growth YoY | 7.06% | 88th pct | 89th pct |
| Efficiency ratio | 76.64% | 42th pct | 41th pct |
structural peer set hash: 73c74588a90833be8d9548b0d7cece46… (reproducible)
Closest structural peers
This is the free public view
Claim MEMBERS COMMUNITY
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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.