CONSUMERS COOPERATIVE
Charter #6974 · Alliance, NE · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 19.83% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.34% sits at the 10th percentile of structural peers — worth a closer look.
- Cost of funds of 2.77% sits at the 98th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 8th percentile but its structural peers at the 46th — a 38-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 | CONSUMERS COOPERATIVE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $52.93M | 8th pct | 46th pct |
| Members | 3,446 | 17th pct | 26th pct |
| Net worth ratio | 19.83% | 90th pct | 75th pct |
| Return on average assets | 1.34% | 80th pct | 66th pct |
| Net interest margin | 3.34% | 31th pct | 10th pct |
| Cost of funds | 2.77% | 98th pct | 98th pct |
| Loan-to-share | 77.47% | 81th pct | 57th pct |
| Delinquency 60+ days | 0.77% | 59th pct | 56th pct |
| Net charge-off ratio | 0.44% | 67th pct | 59th pct |
| Loan growth YoY | 1.27% | 73th pct | 69th pct |
| Share growth YoY | 10.39% | 96th pct | 92th pct |
| Efficiency ratio | 64.17% | 16th pct | 30th pct |
structural peer set hash: 3815700740ee5d6768de52dbbf9c3558… (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.