K.C. AREA
Charter #64939 · KANSAS CITY, MO · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 5.07% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.19% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.53% sits at the 77th percentile of structural peers — worth a closer look.
- On Net worth ratio, the asset-size band puts this credit union at the 72nd percentile but its structural peers at the 54th — a 18-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 | K.C. AREA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $11.46M | 7th pct | 23th pct |
| Members | 1,937 | 43th pct | 61th pct |
| Net worth ratio | 17.10% | 72th pct | 54th pct |
| Return on average assets | 0.42% | 37th pct | 26th pct |
| Net interest margin | 5.07% | 93th pct | 95th pct |
| Cost of funds | 0.19% | 13th pct | 20th pct |
| Loan-to-share | 39.12% | 20th pct | 33th pct |
| Delinquency 60+ days | 1.10% | 71th pct | 66th pct |
| Net charge-off ratio | 0.53% | 72th pct | 77th pct |
| Loan growth YoY | 3.40% | 89th pct | 87th pct |
| Share growth YoY | -0.63% | 22th pct | 28th pct |
| Efficiency ratio | 82.09% | 54th pct | 64th pct |
structural peer set hash: af77a74b4d17725d7a81929354a6fc05… (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.