NORTHERN INDIANA
Charter #168 · Merrillville, IN · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 5,627 ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 9.12% sits at the 10th percentile of structural peers — worth a closer look.
- Net interest margin of 4.29% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.50% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- On Share growth YoY, the asset-size band puts this credit union at the 79th percentile but its structural peers at the 54th — a 25-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 INDIANA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $41.57M | 86th pct | 62th pct |
| Members | 5,627 | 98th pct | 80th pct |
| Net worth ratio | 9.12% | 11th pct | 10th pct |
| Return on average assets | 0.73% | 54th pct | 62th pct |
| Net interest margin | 4.29% | 71th pct | 77th pct |
| Cost of funds | 0.50% | 32th pct | 20th pct |
| Loan-to-share | 77.15% | 81th pct | 61th pct |
| Delinquency 60+ days | 0.25% | 33th pct | 36th pct |
| Net charge-off ratio | 0.30% | 62th pct | 59th pct |
| Loan growth YoY | 4.34% | 91th pct | 93th pct |
| Share growth YoY | 5.83% | 79th pct | 54th pct |
| Efficiency ratio | 85.82% | 64th pct | 49th pct |
structural peer set hash: 085501146a4580f91777b4508c4c1cfe… (reproducible)
Closest structural peers
This is the free public view
Claim NORTHERN INDIANA
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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.