MINI-CASSIA EMPL.
Charter #82527 · Burley, ID · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net charge-off ratio of 0.00% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 82nd percentile but its structural peers at the 56th — a 27-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 | MINI-CASSIA EMPL. | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | 531,932 | 10th pct | 8th pct |
| Members | 337 | 28th pct | 34th pct |
| Net worth ratio | 16.61% | 46th pct | 48th pct |
| Return on average assets | 0.14% | 38th pct | 48th pct |
| Net interest margin | 3.84% | 43th pct | 26th pct |
| Cost of funds | 1.22% | 72th pct | 52th pct |
| Loan-to-share | 84.38% | 82th pct | 56th pct |
| Delinquency 60+ days | 2.77% | 75th pct | 72th pct |
| Net charge-off ratio | 0.00% | 22th pct | 13th pct |
| Loan growth YoY | -15.13% | 13th pct | 2th pct |
| Share growth YoY | -0.83% | 42th pct | 41th pct |
| Efficiency ratio | 96.27% | 67th pct | 64th pct |
structural peer set hash: b28a85ca9d957bf1c6ece9d5b454670f… (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.