TOGETHER
Charter #62715 · Saint Louis, MO · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.36% sits at the 25th percentile of structural peers — worth a closer look.
- Return on average assets of 0.28% sits at the 21st percentile of structural peers — worth a closer look.
- Cost of funds of 0.21% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 79.55% sits at the 75th percentile of structural peers — worth a closer look.
- On Net interest margin, the asset-size band puts this credit union at the 57th percentile but its structural peers at the 33rd — a 24-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 | TOGETHER | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.72B | 60th pct | 62th pct |
| Members | 147,485 | 60th pct | 54th pct |
| Net worth ratio | 9.36% | 19th pct | 25th pct |
| Return on average assets | 0.28% | 14th pct | 21th pct |
| Net interest margin | 3.46% | 57th pct | 33th pct |
| Cost of funds | 0.21% | 6th pct | 0th pct |
| Loan-to-share | 92.05% | 69th pct | 67th pct |
| Delinquency 60+ days | 0.67% | 54th pct | 52th pct |
| Net charge-off ratio | 0.67% | 63th pct | 43th pct |
| Loan growth YoY | 1.57% | 46th pct | 46th pct |
| Share growth YoY | 4.13% | 50th pct | 48th pct |
| Efficiency ratio | 79.55% | 76th pct | 75th pct |
structural peer set hash: 247bdb9e143360c6b84eb78551b1a8af… (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.