VOLT
Charter #63389 · Springfield, MO · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.63% sits at the 16th percentile of structural peers — worth a closer look.
- Return on average assets of -1.51% sits at the 2nd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.12% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.81% sits at the 79th percentile of structural peers — worth a closer look.
- Efficiency ratio of 111.19% sits at the 97th percentile of structural peers — worth a closer look.
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 | VOLT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $84.17M | 74th pct | 52th pct |
| Members | 7,042 | 80th pct | 48th pct |
| Net worth ratio | 8.63% | 8th pct | 16th pct |
| Return on average assets | -1.51% | 1th pct | 2th pct |
| Net interest margin | 4.05% | 69th pct | 46th pct |
| Cost of funds | 1.20% | 66th pct | 52th pct |
| Loan-to-share | 78.82% | 81th pct | 61th pct |
| Delinquency 60+ days | 0.12% | 14th pct | 5th pct |
| Net charge-off ratio | 0.81% | 84th pct | 79th pct |
| Loan growth YoY | 1.98% | 79th pct | 74th pct |
| Share growth YoY | 1.79% | 38th pct | 52th pct |
| Efficiency ratio | 111.19% | 98th pct | 97th pct |
structural peer set hash: 7409d70c84202d231f989af32e8f815d… (reproducible)
Closest structural peers
This is the free public view
Claim VOLT
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.