MEMBERS CHOICE
Charter #96711 · GREENVILLE, OH · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 18.19% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.02% sits at the 5th percentile of structural peers — worth a closer look.
- Efficiency ratio of 60.00% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 82nd percentile but its structural peers at the 54th — a 28-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 | MEMBERS CHOICE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $37.49M | 77th pct | 54th pct |
| Members | 3,348 | 82th pct | 54th pct |
| Net worth ratio | 18.19% | 78th pct | 84th pct |
| Return on average assets | 1.39% | 82th pct | 67th pct |
| Net interest margin | 3.02% | 17th pct | 5th pct |
| Cost of funds | 1.36% | 73th pct | 72th pct |
| Loan-to-share | 62.70% | 59th pct | 43th pct |
| Delinquency 60+ days | 0.45% | 44th pct | 34th pct |
| Net charge-off ratio | 0.00% | 37th pct | 26th pct |
| Loan growth YoY | -1.06% | 61th pct | 61th pct |
| Share growth YoY | 6.35% | 83th pct | 69th pct |
| Efficiency ratio | 60.00% | 11th pct | 11th pct |
structural peer set hash: 00ec0ce11da8cf5e9cf455d517813811… (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.