NORTHERN STS PWR COMPANY EMP
Charter #147 · Grand Forks, ND · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 114 sits at the 0th percentile of structural peers — worth a closer look.
- Return on average assets of 1.11% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 1.98% sits at the 2nd percentile of structural peers — worth a closer look.
- Cost of funds of 2.54% sits at the 97th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
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 STS PWR COMPANY EMP | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.48M | 24th pct | 20th pct |
| Members | 114 | 6th pct | 0th pct |
| Net worth ratio | 10.48% | 15th pct | 34th pct |
| Return on average assets | 1.11% | 75th pct | 82th pct |
| Net interest margin | 1.98% | 7th pct | 2th pct |
| Cost of funds | 2.54% | 93th pct | 97th pct |
| Loan-to-share | 80.42% | 78th pct | 62th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.00% | 22th pct | 21th pct |
| Loan growth YoY | -13.04% | 18th pct | 8th pct |
| Share growth YoY | -6.86% | 12th pct | 8th pct |
| Efficiency ratio | 44.06% | 6th pct | 2th pct |
structural peer set hash: f1b45d2d7b34b1737d451e98a0e9ed50… (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.