MISSOURI CENTRAL
Charter #64036 · Lees Summit, MO · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.98% sits at the 13th percentile of structural peers — worth a closer look.
- Return on average assets of -0.03% sits at the 5th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.84% sits at the 77th percentile of structural peers — worth a closer look.
- Efficiency ratio of 88.12% sits at the 79th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 16th percentile but its structural peers at the 34th — a 18-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 | MISSOURI CENTRAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $125.13M | 16th pct | 34th pct |
| Members | 11,516 | 41th pct | 56th pct |
| Net worth ratio | 8.98% | 13th pct | 13th pct |
| Return on average assets | -0.03% | 7th pct | 5th pct |
| Net interest margin | 4.03% | 73th pct | 66th pct |
| Cost of funds | 0.89% | 33th pct | 46th pct |
| Loan-to-share | 69.10% | 44th pct | 52th pct |
| Delinquency 60+ days | 0.57% | 47th pct | 59th pct |
| Net charge-off ratio | 0.84% | 85th pct | 77th pct |
| Loan growth YoY | 1.34% | 60th pct | 56th pct |
| Share growth YoY | 1.53% | 22th pct | 26th pct |
| Efficiency ratio | 88.12% | 80th pct | 79th pct |
structural peer set hash: 95420799e777a03af9bb0135a481ca4b… (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.