CO - LIB
Charter #64723 · Saint Louis, MO · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 231 sits at the 5th percentile of structural peers — worth a closer look.
- Return on average assets of 4.83% ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.24% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.24% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 45.59% ranks in the 8th 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 | CO - LIB | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.33M | 23th pct | 11th pct |
| Members | 231 | 17th pct | 5th pct |
| Net worth ratio | 14.96% | 38th pct | 61th pct |
| Return on average assets | 4.83% | 98th pct | 98th pct |
| Net interest margin | 3.47% | 32th pct | 33th pct |
| Cost of funds | 0.24% | 33th pct | 25th pct |
| Loan-to-share | 74.31% | 69th pct | 54th pct |
| Delinquency 60+ days | 0.83% | 51th pct | 57th pct |
| Net charge-off ratio | -0.24% | 10th pct | 7th pct |
| Loan growth YoY | -6.13% | 45th pct | 26th pct |
| Share growth YoY | 6.66% | 87th pct | 89th pct |
| Efficiency ratio | 45.59% | 7th pct | 8th pct |
structural peer set hash: 651024835f355c49119ab25807d12a82… (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.