ACADEMIC EMPLOYEES
Charter #67695 · Columbia, MO · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,392 sits at the 15th percentile of structural peers — worth a closer look.
- Net worth ratio of 7.03% sits at the 7th percentile of structural peers — worth a closer look.
- Return on average assets of 1.06% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.78% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.06% ranks in the 11th 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 | ACADEMIC EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $17.18M | 28th pct | 18th pct |
| Members | 1,392 | 21th pct | 15th pct |
| Net worth ratio | 7.03% | 2th pct | 7th pct |
| Return on average assets | 1.06% | 70th pct | 75th pct |
| Net interest margin | 4.78% | 86th pct | 90th pct |
| Cost of funds | 0.06% | 5th pct | 11th pct |
| Loan-to-share | 56.35% | 49th pct | 59th pct |
| Delinquency 60+ days | 1.02% | 69th pct | 69th pct |
| Net charge-off ratio | 1.09% | 87th pct | 87th pct |
| Loan growth YoY | 8.71% | 97th pct | 98th pct |
| Share growth YoY | 5.75% | 79th pct | 72th pct |
| Efficiency ratio | 68.11% | 23th pct | 10th pct |
structural peer set hash: 02b2150f6813698403100dcf917f5256… (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.