STATIONERY
Charter #67801 · Saint Joseph, MO · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 0.16% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 1.23% sits at the 85th percentile of structural peers — worth a closer look.
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 | STATIONERY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $17.04M | 27th pct | 38th pct |
| Members | 1,983 | 45th pct | 43th pct |
| Net worth ratio | 13.95% | 52th pct | 57th pct |
| Return on average assets | 0.74% | 55th pct | 49th pct |
| Net interest margin | 4.15% | 65th pct | 67th pct |
| Cost of funds | 0.16% | 10th pct | 11th pct |
| Loan-to-share | 34.13% | 14th pct | 16th pct |
| Delinquency 60+ days | 0.30% | 36th pct | 33th pct |
| Net charge-off ratio | 1.23% | 89th pct | 85th pct |
| Loan growth YoY | -4.43% | 34th pct | 43th pct |
| Share growth YoY | 0.87% | 34th pct | 37th pct |
| Efficiency ratio | 87.07% | 67th pct | 61th pct |
structural peer set hash: c391cd950642bba65f877965cfe6de83… (reproducible)
Closest structural peers
This is the free public view
Claim STATIONERY
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.