HEMINGFORD COMMUNITY
Charter #7210 · HEMINGFORD, NE · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 10.00% sits at the 25th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.00% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 100th percentile but its structural peers at the 31st — a 69-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 | HEMINGFORD COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $9.99M | 100th pct | 31th pct |
| Members | 992 | 82th pct | 26th pct |
| Net worth ratio | 10.00% | 13th pct | 25th pct |
| Return on average assets | 0.56% | 56th pct | 41th pct |
| Net interest margin | 4.22% | 55th pct | 46th pct |
| Cost of funds | 0.73% | 57th pct | 43th pct |
| Loan-to-share | 70.10% | 64th pct | 49th pct |
| Delinquency 60+ days | 0.49% | 41th pct | 33th pct |
| Net charge-off ratio | -0.00% | 21th pct | 20th pct |
| Loan growth YoY | 4.27% | 86th pct | 85th pct |
| Share growth YoY | 11.92% | 96th pct | 97th pct |
| Efficiency ratio | 84.08% | 46th pct | 62th pct |
structural peer set hash: 2479800c928a9d743f6cdd3e297f368e… (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.