COMMUNITY CHOICE
Charter #65078 · JOHNSTON, IA · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 12.39% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.44% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.26% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.13% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.30% ranks in the 18th 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 | COMMUNITY CHOICE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $918.65M | 88th pct | 33th pct |
| Members | 53,881 | 80th pct | 33th pct |
| Net worth ratio | 12.39% | 76th pct | 85th pct |
| Return on average assets | 1.44% | 88th pct | 89th pct |
| Net interest margin | 4.26% | 92th pct | 85th pct |
| Cost of funds | 0.13% | 6th pct | 0th pct |
| Loan-to-share | 96.09% | 93th pct | 77th pct |
| Delinquency 60+ days | 0.47% | 37th pct | 28th pct |
| Net charge-off ratio | 0.30% | 36th pct | 18th pct |
| Loan growth YoY | 4.17% | 85th pct | 77th pct |
| Share growth YoY | 6.89% | 84th pct | 78th pct |
| Efficiency ratio | 72.74% | 27th pct | 33th pct |
structural peer set hash: cb83d1d4ee6c374a5776c56cb13b0a7a… (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.