LEADCO COMMUNITY
Charter #67936 · Farmington, MO · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Delinquency 60+ days of 0.17% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.01% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 93.78% sits at the 79th percentile of structural peers — worth a closer look.
- On Delinquency 60+ days, the asset-size band puts this credit union at the 28th percentile but its structural peers at the 7th — a 21-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 | LEADCO COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $22.98M | 44th pct | 41th pct |
| Members | 3,125 | 78th pct | 61th pct |
| Net worth ratio | 12.01% | 36th pct | 49th pct |
| Return on average assets | 0.56% | 45th pct | 44th pct |
| Net interest margin | 3.98% | 57th pct | 38th pct |
| Cost of funds | 0.52% | 34th pct | 44th pct |
| Loan-to-share | 54.23% | 45th pct | 43th pct |
| Delinquency 60+ days | 0.17% | 28th pct | 7th pct |
| Net charge-off ratio | 0.01% | 37th pct | 23th pct |
| Loan growth YoY | -7.62% | 15th pct | 13th pct |
| Share growth YoY | -1.04% | 19th pct | 21th pct |
| Efficiency ratio | 93.78% | 80th pct | 79th pct |
structural peer set hash: 9a0a46952a35302957dfbd849f9e0d6d… (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.