MT. ZION
Charter #67024 · zion, IL · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 163 sits at the 16th percentile of structural peers — worth a closer look.
- Net interest margin of 1.87% sits at the 7th percentile of structural peers — worth a closer look.
- On Delinquency 60+ days, the asset-size band puts this credit union at the 88th percentile but its structural peers at the 69th — 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 | MT. ZION | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | 435,144 | 8th pct | 13th pct |
| Members | 163 | 11th pct | 16th pct |
| Net worth ratio | 16.73% | 47th pct | 56th pct |
| Return on average assets | 0.31% | 46th pct | 38th pct |
| Net interest margin | 1.87% | 6th pct | 7th pct |
| Cost of funds | 0.96% | 64th pct | 70th pct |
| Loan-to-share | 22.85% | 13th pct | 20th pct |
| Delinquency 60+ days | 5.44% | 88th pct | 69th pct |
| Net charge-off ratio | 0.00% | 22th pct | 25th pct |
| Loan growth YoY | 2.53% | 83th pct | 80th pct |
| Share growth YoY | 11.15% | 95th pct | 92th pct |
| Efficiency ratio | 83.63% | 46th pct | 43th pct |
structural peer set hash: 8046e9ed8f2dccaf3e1c9ff8f7636ac3… (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.