MOUNT VERNON BAPTIST CHURCH
Charter #63595 · Durham, NC · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 36.18% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.66% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 23rd percentile but its structural peers at the 69th — a 46-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 | MOUNT VERNON BAPTIST CHURCH | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | 146,866 | 2th pct | 10th pct |
| Members | 280 | 23th pct | 69th pct |
| Net worth ratio | 36.18% | 91th pct | 82th pct |
| Return on average assets | 1.22% | 78th pct | 72th pct |
| Net interest margin | 4.66% | 69th pct | 82th pct |
| Cost of funds | 0.00% | 0th pct | 0th pct |
| Loan-to-share | 9.35% | 5th pct | 25th pct |
| Delinquency 60+ days | 3.08% | 78th pct | 67th pct |
| Net charge-off ratio | 0.00% | 22th pct | 23th pct |
| Loan growth YoY | -5.92% | 46th pct | 62th pct |
| Share growth YoY | 5.04% | 81th pct | 75th pct |
| Efficiency ratio | 75.66% | 32th pct | 41th pct |
structural peer set hash: 99c9783f3b62c779ffa64fc1c6cfc581… (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.