ARSENAL
Charter #67195 · Arnold, MO · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 29,837 ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 8.53% sits at the 23rd percentile of structural peers — worth a closer look.
- Net interest margin of 4.67% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.65% sits at the 92nd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.68% sits at the 95th percentile of structural peers — worth a closer look.
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 | ARSENAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $395.08M | 88th pct | 77th pct |
| Members | 29,837 | 94th pct | 77th pct |
| Net worth ratio | 8.53% | 8th pct | 23th pct |
| Return on average assets | 0.44% | 32th pct | 57th pct |
| Net interest margin | 4.67% | 93th pct | 93th pct |
| Cost of funds | 0.97% | 37th pct | 30th pct |
| Loan-to-share | 80.25% | 69th pct | 48th pct |
| Delinquency 60+ days | 1.65% | 92th pct | 92th pct |
| Net charge-off ratio | 1.68% | 97th pct | 95th pct |
| Loan growth YoY | -2.32% | 23th pct | 23th pct |
| Share growth YoY | -8.42% | 0th pct | 2th pct |
| Efficiency ratio | 76.83% | 43th pct | 23th pct |
structural peer set hash: 344c1d67df952588ac0516c9f5470c66… (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.