SHELBY/BOLIVAR COUNTY
Charter #9974 · BOYLE, MS · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 2,133 ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.59% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 6.18% sits at the 93rd percentile of structural peers — worth a closer look.
- Net charge-off ratio of -1.36% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 56th percentile but its structural peers at the 25th — a 32-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 | SHELBY/BOLIVAR COUNTY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $4.71M | 56th pct | 25th pct |
| Members | 2,133 | 98th pct | 92th pct |
| Net worth ratio | 18.98% | 54th pct | 62th pct |
| Return on average assets | 1.59% | 85th pct | 84th pct |
| Net interest margin | 3.91% | 46th pct | 52th pct |
| Cost of funds | 0.49% | 49th pct | 43th pct |
| Loan-to-share | 28.23% | 17th pct | 16th pct |
| Delinquency 60+ days | 6.18% | 90th pct | 93th pct |
| Net charge-off ratio | -1.36% | 3th pct | 7th pct |
| Loan growth YoY | -13.86% | 16th pct | 13th pct |
| Share growth YoY | 4.57% | 79th pct | 69th pct |
| Efficiency ratio | 85.72% | 49th pct | 57th pct |
structural peer set hash: ac8615fc06bcaf1d67d9edac5e0ab731… (reproducible)
Closest structural peers
This is the free public view
Claim SHELBY/BOLIVAR COUNTY
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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.