LOVERS LANE
Charter #64208 · Saint Joseph, MO · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.99% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.80% sits at the 25th percentile of structural peers — worth a closer look.
- Cost of funds of 3.54% sits at the 97th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 2.94% sits at the 87th percentile of structural peers — worth a closer look.
- Efficiency ratio of 47.80% ranks in the 3rd 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 | LOVERS LANE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $7.71M | 84th pct | 62th pct |
| Members | 1,032 | 84th pct | 57th pct |
| Net worth ratio | 13.88% | 31th pct | 52th pct |
| Return on average assets | 1.99% | 90th pct | 85th pct |
| Net interest margin | 3.80% | 42th pct | 25th pct |
| Cost of funds | 3.54% | 98th pct | 97th pct |
| Loan-to-share | 102.37% | 94th pct | 97th pct |
| Delinquency 60+ days | 2.94% | 77th pct | 87th pct |
| Net charge-off ratio | 0.33% | 79th pct | 61th pct |
| Loan growth YoY | -5.29% | 50th pct | 21th pct |
| Share growth YoY | 3.27% | 72th pct | 56th pct |
| Efficiency ratio | 47.80% | 8th pct | 3th pct |
structural peer set hash: 453e1d1b5f4a06f8051c7bc7801dd0d9… (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.