GOETZ
Charter #63606 · ST JOSEPH, MO · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 13,407 ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 15.24% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- On Share growth YoY, the asset-size band puts this credit union at the 75th percentile but its structural peers at the 59th — a 16-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 | GOETZ | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $90.93M | 85th pct | 70th pct |
| Members | 13,407 | 99th pct | 89th pct |
| Net worth ratio | 15.24% | 72th pct | 75th pct |
| Return on average assets | 0.93% | 63th pct | 49th pct |
| Net interest margin | 4.10% | 72th pct | 57th pct |
| Cost of funds | 0.97% | 54th pct | 56th pct |
| Loan-to-share | 68.60% | 64th pct | 51th pct |
| Delinquency 60+ days | 0.58% | 48th pct | 41th pct |
| Net charge-off ratio | 0.26% | 52th pct | 38th pct |
| Loan growth YoY | -2.19% | 42th pct | 41th pct |
| Share growth YoY | 5.20% | 75th pct | 59th pct |
| Efficiency ratio | 79.92% | 50th pct | 57th pct |
structural peer set hash: 5ed258480c2ecf4bf011caf0ab0cba2d… (reproducible)
Closest structural peers
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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.