DE SOTO MO PAC
Charter #63507 · De Soto, MO · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,758 sits at the 21st percentile of structural peers — worth a closer look.
- Net interest margin of 2.45% sits at the 2nd percentile of structural peers — worth a closer look.
- Cost of funds of 2.26% sits at the 89th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.00% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- On Net worth ratio, the asset-size band puts this credit union at the 16th percentile but its structural peers at the 38th — a 22-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 | DE SOTO MO PAC | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $30.06M | 61th pct | 57th pct |
| Members | 1,758 | 36th pct | 21th pct |
| Net worth ratio | 9.74% | 16th pct | 38th pct |
| Return on average assets | 0.62% | 48th pct | 46th pct |
| Net interest margin | 2.45% | 5th pct | 2th pct |
| Cost of funds | 2.26% | 94th pct | 89th pct |
| Loan-to-share | 74.50% | 76th pct | 56th pct |
| Delinquency 60+ days | 0.79% | 60th pct | 57th pct |
| Net charge-off ratio | 0.00% | 23th pct | 18th pct |
| Loan growth YoY | 0.90% | 76th pct | 72th pct |
| Share growth YoY | 10.46% | 95th pct | 90th pct |
| Efficiency ratio | 71.39% | 29th pct | 28th pct |
structural peer set hash: 2ca1ad05c7206b67bb2114e0c857fda0… (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.