MINUTEMAN
Charter #14260 · RAPID CITY, SD · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,163 sits at the 8th percentile of structural peers — worth a closer look.
- Cost of funds of 1.75% sits at the 77th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 2.48% sits at the 90th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.59% sits at the 77th percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 73rd percentile but its structural peers at the 57th — a 16-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 | MINUTEMAN | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $16.27M | 25th pct | 26th pct |
| Members | 1,163 | 11th pct | 8th pct |
| Net worth ratio | 13.24% | 47th pct | 54th pct |
| Return on average assets | 0.93% | 65th pct | 52th pct |
| Net interest margin | 4.53% | 79th pct | 66th pct |
| Cost of funds | 1.75% | 84th pct | 77th pct |
| Loan-to-share | 72.56% | 73th pct | 57th pct |
| Delinquency 60+ days | 2.48% | 90th pct | 90th pct |
| Net charge-off ratio | 0.59% | 75th pct | 77th pct |
| Loan growth YoY | -7.71% | 15th pct | 5th pct |
| Share growth YoY | 7.52% | 89th pct | 82th pct |
| Efficiency ratio | 70.92% | 28th pct | 30th pct |
structural peer set hash: e354407a52abb6760d31502e676863ed… (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.