MORTON
Charter #65466 · South Hutchinso, KS · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.43% sits at the 10th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.00% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 99.65% sits at the 92nd percentile of structural peers — worth a closer look.
- On Cost of funds, the asset-size band puts this credit union at the 56th percentile but its structural peers at the 28th — a 28-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 | MORTON | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $5.33M | 63th pct | 36th pct |
| Members | 789 | 69th pct | 51th pct |
| Net worth ratio | 13.74% | 31th pct | 54th pct |
| Return on average assets | -0.43% | 23th pct | 10th pct |
| Net interest margin | 5.25% | 82th pct | 74th pct |
| Cost of funds | 0.70% | 56th pct | 28th pct |
| Loan-to-share | 84.17% | 82th pct | 54th pct |
| Delinquency 60+ days | 0.62% | 45th pct | 46th pct |
| Net charge-off ratio | 0.00% | 22th pct | 16th pct |
| Loan growth YoY | 3.05% | 84th pct | 82th pct |
| Share growth YoY | 5.94% | 84th pct | 74th pct |
| Efficiency ratio | 99.65% | 72th pct | 92th pct |
structural peer set hash: 96ac4611185524f6f415f283f7765997… (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.