MULTI-STATES
Charter #63306 · SPRINGFIELD, MO · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 14,968 ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.10% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.00% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- On Loan growth YoY, the asset-size band puts this credit union at the 64th percentile but its structural peers at the 38th — a 26-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 | MULTI-STATES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $89.16M | 82th pct | 57th pct |
| Members | 14,968 | 100th pct | 90th pct |
| Net worth ratio | 12.33% | 45th pct | 52th pct |
| Return on average assets | 0.84% | 59th pct | 57th pct |
| Net interest margin | 4.02% | 67th pct | 57th pct |
| Cost of funds | 0.98% | 55th pct | 49th pct |
| Loan-to-share | 87.21% | 93th pct | 82th pct |
| Delinquency 60+ days | 0.10% | 12th pct | 13th pct |
| Net charge-off ratio | -0.00% | 13th pct | 10th pct |
| Loan growth YoY | -0.07% | 64th pct | 38th pct |
| Share growth YoY | 5.92% | 81th pct | 72th pct |
| Efficiency ratio | 85.83% | 68th pct | 74th pct |
structural peer set hash: 5e277e2bbc112c613decefcffd0fca5b… (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.