NORTHLAND AREA
Charter #11979 · Alpena, MI · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- This credit union tracks close to its structural peers across the headline metrics for the current cycle.
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 | NORTHLAND AREA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $708.36M | 49th pct | 43th pct |
| Members | 46,344 | 65th pct | 59th pct |
| Net worth ratio | 10.18% | 46th pct | 46th pct |
| Return on average assets | 0.59% | 46th pct | 48th pct |
| Net interest margin | 3.10% | 25th pct | 36th pct |
| Cost of funds | 1.60% | 61th pct | 70th pct |
| Loan-to-share | 72.34% | 27th pct | 23th pct |
| Delinquency 60+ days | 0.82% | 68th pct | 67th pct |
| Net charge-off ratio | 0.22% | 24th pct | 39th pct |
| Loan growth YoY | 2.56% | 68th pct | 77th pct |
| Share growth YoY | 2.14% | 23th pct | 33th pct |
| Efficiency ratio | 81.83% | 66th pct | 54th pct |
structural peer set hash: 24eb84edfcb2647d4ec80844b2d949f1… (reproducible)
Closest structural peers
This is the free public view
Claim NORTHLAND AREA
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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.