MISSOURI ELECTRIC COOPERATIVES EMPL
Charter #67739 · Jefferson City, MO · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.44% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.34% sits at the 0th percentile of structural peers — worth a closer look.
- Cost of funds of 2.81% sits at the 97th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.07% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.00% ranks in the 3rd 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 | MISSOURI ELECTRIC COOPERATIVES EMPL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $387.80M | 87th pct | 70th pct |
| Members | 13,713 | 53th pct | 26th pct |
| Net worth ratio | 11.23% | 46th pct | 52th pct |
| Return on average assets | 1.44% | 87th pct | 82th pct |
| Net interest margin | 2.34% | 3th pct | 0th pct |
| Cost of funds | 2.81% | 98th pct | 97th pct |
| Loan-to-share | 67.79% | 41th pct | 43th pct |
| Delinquency 60+ days | 0.07% | 4th pct | 3th pct |
| Net charge-off ratio | -0.00% | 5th pct | 3th pct |
| Loan growth YoY | 1.60% | 63th pct | 56th pct |
| Share growth YoY | 9.61% | 96th pct | 97th pct |
| Efficiency ratio | 46.38% | 1th pct | 0th pct |
structural peer set hash: 5e6eb1d6b1bd4b4291f331ae16ee4c5a… (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.