STATEWIDE
Charter #6369 · Flowood, MS · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 24,134 ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 9.28% sits at the 10th percentile of structural peers — worth a closer look.
- Net interest margin of 4.39% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 1.38% sits at the 90th 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 | STATEWIDE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $210.04M | 54th pct | 66th pct |
| Members | 24,134 | 87th pct | 84th pct |
| Net worth ratio | 9.28% | 17th pct | 10th pct |
| Return on average assets | 0.77% | 55th pct | 52th pct |
| Net interest margin | 4.39% | 87th pct | 79th pct |
| Cost of funds | 1.40% | 62th pct | 64th pct |
| Loan-to-share | 65.60% | 37th pct | 34th pct |
| Delinquency 60+ days | 0.64% | 53th pct | 46th pct |
| Net charge-off ratio | 1.38% | 95th pct | 90th pct |
| Loan growth YoY | 4.96% | 87th pct | 87th pct |
| Share growth YoY | 7.03% | 87th pct | 80th pct |
| Efficiency ratio | 74.60% | 36th pct | 39th pct |
structural peer set hash: dc0db00f791a5c8d6ffca662350bad56… (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.