WEST METRO SCHOOLS
Charter #62726 · Hopkins, MN · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 17.80% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.84% sits at the 92nd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 2.78% sits at the 98th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 88th percentile but its structural peers at the 49th — a 39-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 | WEST METRO SCHOOLS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $43.08M | 88th pct | 49th pct |
| Members | 2,592 | 65th pct | 31th pct |
| Net worth ratio | 17.80% | 75th pct | 89th pct |
| Return on average assets | 0.68% | 52th pct | 43th pct |
| Net interest margin | 3.61% | 38th pct | 33th pct |
| Cost of funds | 1.84% | 87th pct | 92th pct |
| Loan-to-share | 57.38% | 50th pct | 56th pct |
| Delinquency 60+ days | 2.78% | 92th pct | 98th pct |
| Net charge-off ratio | 0.45% | 70th pct | 66th pct |
| Loan growth YoY | -3.03% | 45th pct | 31th pct |
| Share growth YoY | 6.76% | 85th pct | 80th pct |
| Efficiency ratio | 76.98% | 41th pct | 44th pct |
structural peer set hash: 8e5470bc748547b0b98a920a6d739b8a… (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.