MOWER COUNTY EMPLOYEES
Charter #64518 · Austin, MN · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 827 sits at the 5th percentile of structural peers — worth a closer look.
- Return on average assets of 5.80% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 2.57% sits at the 89th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.10% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.40% 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 | MOWER COUNTY EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $13.85M | 16th pct | 15th pct |
| Members | 827 | 2th pct | 5th pct |
| Net worth ratio | 13.97% | 52th pct | 48th pct |
| Return on average assets | 5.80% | 100th pct | 97th pct |
| Net interest margin | 3.87% | 50th pct | 33th pct |
| Cost of funds | 2.57% | 96th pct | 89th pct |
| Loan-to-share | 111.41% | 100th pct | 97th pct |
| Delinquency 60+ days | 0.10% | 22th pct | 16th pct |
| Net charge-off ratio | -0.40% | 3th pct | 3th pct |
| Loan growth YoY | 13.58% | 99th pct | 97th pct |
| Share growth YoY | 7.63% | 90th pct | 85th pct |
| Efficiency ratio | 76.57% | 40th pct | 36th pct |
structural peer set hash: ba5a4b7146cc282734aeafad2cc8de05… (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.