NORTH MEMORIAL
Charter #16248 · ROBBINSDALE, MN · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.04% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.74% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.01% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- On Efficiency ratio, the asset-size band puts this credit union at the 53rd percentile but its structural peers at the 34th — a 19-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 | NORTH MEMORIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $50.88M | 3th pct | 15th pct |
| Members | 4,527 | 40th pct | 38th pct |
| Net worth ratio | 11.55% | 36th pct | 44th pct |
| Return on average assets | 1.04% | 67th pct | 79th pct |
| Net interest margin | 4.74% | 92th pct | 95th pct |
| Cost of funds | 0.76% | 38th pct | 44th pct |
| Loan-to-share | 66.57% | 60th pct | 57th pct |
| Delinquency 60+ days | 0.67% | 53th pct | 49th pct |
| Net charge-off ratio | -0.01% | 12th pct | 11th pct |
| Loan growth YoY | -4.71% | 20th pct | 11th pct |
| Share growth YoY | 0.32% | 21th pct | 16th pct |
| Efficiency ratio | 80.93% | 53th pct | 34th pct |
structural peer set hash: a1937edae4f6238673f9a406c6a18eb1… (reproducible)
Closest structural peers
This is the free public view
Claim NORTH MEMORIAL
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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.