SOUTH CENTRAL MISSOURI
Charter #64222 · Willow Springs, MO · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,929 ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.96% sits at the 23rd percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 95th percentile but its structural peers at the 57th — a 38-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 | SOUTH CENTRAL MISSOURI | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $9.24M | 95th pct | 57th pct |
| Members | 1,929 | 96th pct | 84th pct |
| Net worth ratio | 15.67% | 42th pct | 62th pct |
| Return on average assets | 0.02% | 34th pct | 26th pct |
| Net interest margin | 2.96% | 21th pct | 23th pct |
| Cost of funds | 0.66% | 55th pct | 48th pct |
| Loan-to-share | 40.76% | 30th pct | 30th pct |
| Delinquency 60+ days | 2.05% | 68th pct | 69th pct |
| Net charge-off ratio | 0.19% | 76th pct | 64th pct |
| Loan growth YoY | -10.47% | 26th pct | 25th pct |
| Share growth YoY | -5.58% | 15th pct | 7th pct |
| Efficiency ratio | 82.66% | 44th pct | 46th pct |
structural peer set hash: 4605dadde5b229fe37a29ed3ccd80ccb… (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.