OUR LADY OF SNOWS
Charter #67715 · Henley, MO · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- 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 53rd percentile but its structural peers at the 16th — a 37-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 | OUR LADY OF SNOWS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $4.32M | 53th pct | 16th pct |
| Members | 862 | 74th pct | 43th pct |
| Net worth ratio | 15.47% | 41th pct | 61th pct |
| Return on average assets | 0.82% | 66th pct | 62th pct |
| Net interest margin | 3.47% | 32th pct | 26th pct |
| Cost of funds | 0.91% | 62th pct | 54th pct |
| Loan-to-share | 61.81% | 54th pct | 52th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.00% | 22th pct | 26th pct |
| Loan growth YoY | -9.85% | 29th pct | 13th pct |
| Share growth YoY | 1.93% | 65th pct | 56th pct |
| Efficiency ratio | 76.12% | 33th pct | 31th pct |
structural peer set hash: 753c0f3bdf5a71c5761b5ea03e9cea19… (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.