SOUTHEAST MISSOURI COMMUNITY
Charter #67716 · Park Hills, MO · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.67% sits at the 23rd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.00% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 87th percentile but its structural peers at the 57th — a 29-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 | SOUTHEAST MISSOURI COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $6.25M | 73th pct | 54th pct |
| Members | 1,118 | 87th pct | 57th pct |
| Net worth ratio | 8.67% | 8th pct | 23th pct |
| Return on average assets | 0.25% | 43th pct | 59th pct |
| Net interest margin | 4.52% | 65th pct | 62th pct |
| Cost of funds | 1.10% | 69th pct | 62th pct |
| Loan-to-share | 59.76% | 52th pct | 33th pct |
| Delinquency 60+ days | 0.89% | 52th pct | 46th pct |
| Net charge-off ratio | 0.00% | 22th pct | 21th pct |
| Loan growth YoY | -5.32% | 50th pct | 51th pct |
| Share growth YoY | -9.61% | 7th pct | 5th pct |
| Efficiency ratio | 93.88% | 62th pct | 48th pct |
structural peer set hash: 30f810abbfd640e1e1219e2c94f95154… (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.