MCPHERSON CO-OP
Charter #65371 · MCPHERSON, KS · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.68% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 92nd percentile but its structural peers at the 48th — a 44-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 | MCPHERSON CO-OP | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $44.90M | 92th pct | 48th pct |
| Members | 3,141 | 79th pct | 41th pct |
| Net worth ratio | 9.27% | 13th pct | 28th pct |
| Return on average assets | 0.89% | 62th pct | 72th pct |
| Net interest margin | 4.68% | 84th pct | 80th pct |
| Cost of funds | 1.13% | 64th pct | 41th pct |
| Loan-to-share | 93.11% | 96th pct | 80th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.24% | 59th pct | 52th pct |
| Loan growth YoY | 3.18% | 88th pct | 77th pct |
| Share growth YoY | 3.30% | 59th pct | 44th pct |
| Efficiency ratio | 83.22% | 58th pct | 64th pct |
structural peer set hash: de372e3fcda7496b82ff29ae3ee53a2c… (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.