ASPEN
Charter #17224 · Rapid City, SD · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 8,383 sits at the 11th percentile of structural peers — worth a closer look.
- Net worth ratio of 8.55% sits at the 11th percentile of structural peers — worth a closer look.
- Return on average assets of 1.70% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.18% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 2.35% sits at the 95th percentile of structural peers — worth a closer look.
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 | ASPEN | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $167.16M | 38th pct | 25th pct |
| Members | 8,383 | 21th pct | 11th pct |
| Net worth ratio | 8.55% | 8th pct | 11th pct |
| Return on average assets | 1.70% | 92th pct | 97th pct |
| Net interest margin | 4.18% | 80th pct | 77th pct |
| Cost of funds | 2.35% | 95th pct | 95th pct |
| Loan-to-share | 97.75% | 98th pct | 95th pct |
| Delinquency 60+ days | 0.44% | 36th pct | 31th pct |
| Net charge-off ratio | 0.25% | 37th pct | 23th pct |
| Loan growth YoY | 2.45% | 71th pct | 52th pct |
| Share growth YoY | 2.55% | 36th pct | 31th pct |
| Efficiency ratio | 64.04% | 14th pct | 2th pct |
structural peer set hash: fd3c381c3f5d0fb5f726525b5441efee… (reproducible)
Closest structural peers
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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.