C-PLANT
Charter #7524 · PADUCAH, KY · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.94% sits at the 21st percentile of structural peers — worth a closer look.
- Cost of funds of 1.87% sits at the 87th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.23% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.06% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- On Efficiency ratio, the asset-size band puts this credit union at the 17th percentile but its structural peers at the 36th — a 19-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 | C-PLANT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $363.27M | 84th pct | 82th pct |
| Members | 15,892 | 62th pct | 61th pct |
| Net worth ratio | 14.64% | 83th pct | 69th pct |
| Return on average assets | 1.29% | 82th pct | 66th pct |
| Net interest margin | 2.94% | 12th pct | 21th pct |
| Cost of funds | 1.87% | 83th pct | 87th pct |
| Loan-to-share | 45.03% | 8th pct | 20th pct |
| Delinquency 60+ days | 0.23% | 16th pct | 23th pct |
| Net charge-off ratio | 0.06% | 13th pct | 13th pct |
| Loan growth YoY | 2.59% | 72th pct | 79th pct |
| Share growth YoY | 5.67% | 77th pct | 62th pct |
| Efficiency ratio | 66.14% | 17th pct | 36th pct |
structural peer set hash: 861487b7b0ff78261247b62cedc9fd65… (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.