TRI-COUNTY
Charter #67855 · GRINNELL, KS · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 477 sits at the 15th percentile of structural peers — worth a closer look.
- Net interest margin of 2.06% sits at the 7th percentile of structural peers — worth a closer look.
- Cost of funds of 2.76% sits at the 95th percentile of structural peers — worth a closer look.
- Efficiency ratio of 56.11% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 69th percentile but its structural peers at the 36th — a 33-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 | TRI-COUNTY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $5.77M | 69th pct | 36th pct |
| Members | 477 | 41th pct | 15th pct |
| Net worth ratio | 16.75% | 47th pct | 64th pct |
| Return on average assets | 0.94% | 70th pct | 66th pct |
| Net interest margin | 2.06% | 8th pct | 7th pct |
| Cost of funds | 2.76% | 94th pct | 95th pct |
| Loan-to-share | 27.50% | 17th pct | 18th pct |
| Delinquency 60+ days | 1.64% | 63th pct | 66th pct |
| Net charge-off ratio | 0.00% | 22th pct | 31th pct |
| Loan growth YoY | -4.01% | 57th pct | 64th pct |
| Share growth YoY | 5.09% | 81th pct | 74th pct |
| Efficiency ratio | 56.11% | 13th pct | 7th pct |
structural peer set hash: 91e757e69e58147a028d07ce8dac382d… (reproducible)
Closest structural peers
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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.