CITY
Charter #67924 · Independence, MO · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 4,160 sits at the 20th percentile of structural peers — worth a closer look.
- Net interest margin of 4.45% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.10% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.31% sits at the 82nd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.50% sits at the 87th 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 | CITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $64.43M | 35th pct | 38th pct |
| Members | 4,160 | 31th pct | 20th pct |
| Net worth ratio | 11.99% | 41th pct | 51th pct |
| Return on average assets | 0.68% | 49th pct | 41th pct |
| Net interest margin | 4.45% | 86th pct | 79th pct |
| Cost of funds | 0.10% | 6th pct | 5th pct |
| Loan-to-share | 68.70% | 65th pct | 51th pct |
| Delinquency 60+ days | 1.31% | 80th pct | 82th pct |
| Net charge-off ratio | 1.50% | 95th pct | 87th pct |
| Loan growth YoY | 2.87% | 84th pct | 87th pct |
| Share growth YoY | 4.77% | 72th pct | 51th pct |
| Efficiency ratio | 69.80% | 26th pct | 31th pct |
structural peer set hash: 082449891d01160904f53dcfbc703a29… (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.