M O
Charter #7020 · Huron, SD · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,759 sits at the 23rd percentile of structural peers — worth a closer look.
- Return on average assets of 1.26% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 65.36% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 85th percentile but its structural peers at the 62nd — a 23-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 | M O | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $41.39M | 85th pct | 62th pct |
| Members | 1,759 | 36th pct | 23th pct |
| Net worth ratio | 13.68% | 50th pct | 70th pct |
| Return on average assets | 1.26% | 78th pct | 85th pct |
| Net interest margin | 3.32% | 27th pct | 33th pct |
| Cost of funds | 1.38% | 74th pct | 67th pct |
| Loan-to-share | 61.98% | 57th pct | 54th pct |
| Delinquency 60+ days | 0.25% | 33th pct | 31th pct |
| Net charge-off ratio | 0.00% | 23th pct | 26th pct |
| Loan growth YoY | -1.04% | 62th pct | 57th pct |
| Share growth YoY | -3.31% | 7th pct | 7th pct |
| Efficiency ratio | 65.36% | 18th pct | 8th pct |
structural peer set hash: d1dba56e4c4abcadafaf3bc40e6983f6… (reproducible)
Closest structural peers
This is the free public view
Claim M O
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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.