OZARK
Charter #7641 · Poplar Bluff, MO · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 20,804 ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.54% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.76% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.86% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.20% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
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 | OZARK | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $142.80M | 27th pct | 39th pct |
| Members | 20,804 | 79th pct | 82th pct |
| Net worth ratio | 11.11% | 45th pct | 56th pct |
| Return on average assets | 1.54% | 89th pct | 87th pct |
| Net interest margin | 4.76% | 94th pct | 85th pct |
| Cost of funds | 0.86% | 31th pct | 20th pct |
| Loan-to-share | 88.06% | 86th pct | 79th pct |
| Delinquency 60+ days | 0.20% | 13th pct | 8th pct |
| Net charge-off ratio | 0.18% | 28th pct | 11th pct |
| Loan growth YoY | 7.00% | 94th pct | 92th pct |
| Share growth YoY | 4.25% | 61th pct | 49th pct |
| Efficiency ratio | 71.83% | 28th pct | 25th pct |
structural peer set hash: 91d2b18fb0745c63848f90315ad3e894… (reproducible)
Closest structural peers
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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.