FIRST MISSOURI
Charter #62716 · Saint Louis, MO · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 7,857 sits at the 15th percentile of structural peers — worth a closer look.
- Return on average assets of 0.28% sits at the 15th percentile of structural peers — worth a closer look.
- Cost of funds of 0.08% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 82nd percentile but its structural peers at the 66th — a 16-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 | FIRST MISSOURI | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $121.16M | 14th pct | 25th pct |
| Members | 7,857 | 17th pct | 15th pct |
| Net worth ratio | 9.65% | 23th pct | 33th pct |
| Return on average assets | 0.28% | 21th pct | 15th pct |
| Net interest margin | 4.22% | 81th pct | 67th pct |
| Cost of funds | 0.08% | 5th pct | 10th pct |
| Loan-to-share | 86.52% | 82th pct | 66th pct |
| Delinquency 60+ days | 0.76% | 62th pct | 56th pct |
| Net charge-off ratio | 0.45% | 59th pct | 56th pct |
| Loan growth YoY | 7.39% | 95th pct | 93th pct |
| Share growth YoY | 7.81% | 91th pct | 82th pct |
| Efficiency ratio | 84.31% | 70th pct | 67th pct |
structural peer set hash: 70ac43581644ea470fea997308b96620… (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.