C & R
Charter #67783 · Clay Center, KS · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.44% sits at the 13th percentile of structural peers — worth a closer look.
- Net interest margin of 5.52% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 2.73% sits at the 77th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 53rd percentile but its structural peers at the 25th — a 28-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 | C & R | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $4.28M | 53th pct | 25th pct |
| Members | 665 | 57th pct | 31th pct |
| Net worth ratio | 12.17% | 23th pct | 49th pct |
| Return on average assets | -0.44% | 23th pct | 13th pct |
| Net interest margin | 5.52% | 86th pct | 79th pct |
| Cost of funds | 1.71% | 83th pct | 66th pct |
| Loan-to-share | 75.10% | 70th pct | 49th pct |
| Delinquency 60+ days | 2.73% | 75th pct | 77th pct |
| Net charge-off ratio | 0.67% | 84th pct | 74th pct |
| Loan growth YoY | -2.04% | 65th pct | 49th pct |
| Share growth YoY | 6.90% | 88th pct | 80th pct |
| Efficiency ratio | 76.63% | 34th pct | 26th pct |
structural peer set hash: 4f78bf3ec017de6d2413fba2862653b2… (reproducible)
Closest structural peers
This is the free public view
Claim C & R
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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.