CONSERVATION EMPLOYEES
Charter #64199 · Jefferson City, MO · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 9,474 sits at the 20th percentile of structural peers — worth a closer look.
- Net worth ratio of 9.58% sits at the 18th percentile of structural peers — worth a closer look.
- Return on average assets of 1.11% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.62% sits at the 2nd percentile of structural peers — worth a closer look.
- Cost of funds of 0.52% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
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 | CONSERVATION EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $191.99M | 49th pct | 39th pct |
| Members | 9,474 | 29th pct | 20th pct |
| Net worth ratio | 9.58% | 22th pct | 18th pct |
| Return on average assets | 1.11% | 75th pct | 75th pct |
| Net interest margin | 2.62% | 6th pct | 2th pct |
| Cost of funds | 0.52% | 20th pct | 23th pct |
| Loan-to-share | 69.28% | 44th pct | 43th pct |
| Delinquency 60+ days | 0.13% | 9th pct | 8th pct |
| Net charge-off ratio | 0.03% | 10th pct | 10th pct |
| Loan growth YoY | 0.87% | 55th pct | 48th pct |
| Share growth YoY | 5.41% | 75th pct | 69th pct |
| Efficiency ratio | 63.77% | 13th pct | 5th pct |
structural peer set hash: b628256d79288baef5b71915035cd722… (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.