JOPLIN METRO
Charter #64691 · JOPLIN, MO · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 17.63% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.90% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 5.62% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.49% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.46% ranks in the 25th 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 | JOPLIN METRO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $56.25M | 17th pct | 38th pct |
| Members | 5,858 | 63th pct | 41th pct |
| Net worth ratio | 17.63% | 84th pct | 85th pct |
| Return on average assets | 1.90% | 94th pct | 92th pct |
| Net interest margin | 5.62% | 98th pct | 92th pct |
| Cost of funds | 0.49% | 23th pct | 13th pct |
| Loan-to-share | 89.61% | 95th pct | 85th pct |
| Delinquency 60+ days | 0.46% | 41th pct | 25th pct |
| Net charge-off ratio | 0.29% | 55th pct | 25th pct |
| Loan growth YoY | 2.09% | 80th pct | 66th pct |
| Share growth YoY | 4.94% | 73th pct | 62th pct |
| Efficiency ratio | 65.36% | 18th pct | 15th pct |
structural peer set hash: 33718da8a0f3ae3a62254bcaee98223a… (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.