HEALTH CARE FAMILY
Charter #63249 · Saint Louis, MO · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 15.74% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 2.07% sits at the 89th percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 91st percentile but its structural peers at the 56th — a 35-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 | HEALTH CARE FAMILY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $74.99M | 57th pct | 48th pct |
| Members | 5,068 | 52th pct | 41th pct |
| Net worth ratio | 15.74% | 74th pct | 85th pct |
| Return on average assets | 0.64% | 45th pct | 51th pct |
| Net interest margin | 3.85% | 57th pct | 33th pct |
| Cost of funds | 1.41% | 75th pct | 70th pct |
| Loan-to-share | 85.63% | 91th pct | 56th pct |
| Delinquency 60+ days | 2.07% | 94th pct | 89th pct |
| Net charge-off ratio | 0.45% | 68th pct | 64th pct |
| Loan growth YoY | -0.21% | 62th pct | 62th pct |
| Share growth YoY | 0.25% | 20th pct | 20th pct |
| Efficiency ratio | 79.02% | 48th pct | 36th pct |
structural peer set hash: a12b635abe1ea880975759ec9de69211… (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.