NORTHERN VALLEY
Charter #1344 · Grand Forks, ND · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Delinquency 60+ days of 0.24% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.05% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 81st percentile but its structural peers at the 54th — 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 | NORTHERN VALLEY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $18.47M | 32th pct | 39th pct |
| Members | 1,467 | 23th pct | 26th pct |
| Net worth ratio | 14.34% | 55th pct | 43th pct |
| Return on average assets | 0.93% | 65th pct | 66th pct |
| Net interest margin | 3.91% | 53th pct | 28th pct |
| Cost of funds | 1.11% | 62th pct | 51th pct |
| Loan-to-share | 77.31% | 81th pct | 54th pct |
| Delinquency 60+ days | 0.24% | 32th pct | 25th pct |
| Net charge-off ratio | -0.05% | 13th pct | 18th pct |
| Loan growth YoY | -4.04% | 38th pct | 39th pct |
| Share growth YoY | -9.24% | 1th pct | 0th pct |
| Efficiency ratio | 78.29% | 45th pct | 43th pct |
structural peer set hash: a6042f02a56d13a8cdee1474f80196c4… (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.