LEGACY
Charter #64708 · Joplin, MO · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.84% sits at the 21st percentile of structural peers — worth a closer look.
- Efficiency ratio of 65.33% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 49th percentile but its structural peers at the 21st — a 27-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 | LEGACY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $25.36M | 50th pct | 54th pct |
| Members | 3,203 | 80th pct | 69th pct |
| Net worth ratio | 17.09% | 72th pct | 70th pct |
| Return on average assets | 1.33% | 81th pct | 64th pct |
| Net interest margin | 3.84% | 49th pct | 21th pct |
| Cost of funds | 1.46% | 77th pct | 69th pct |
| Loan-to-share | 71.42% | 72th pct | 48th pct |
| Delinquency 60+ days | 0.74% | 58th pct | 46th pct |
| Net charge-off ratio | 0.40% | 67th pct | 70th pct |
| Loan growth YoY | -1.64% | 56th pct | 52th pct |
| Share growth YoY | 1.45% | 39th pct | 39th pct |
| Efficiency ratio | 65.33% | 18th pct | 23th pct |
structural peer set hash: 810956ba6743743a9e294518e1d332f3… (reproducible)
Closest structural peers
This is the free public view
Claim LEGACY
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.