NORTHERN SKIES
Charter #18204 · ANCHORAGE, AK · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.48% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 2.27% 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 | NORTHERN SKIES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $222.58M | 57th pct | 51th pct |
| Members | 13,846 | 53th pct | 48th pct |
| Net worth ratio | 13.47% | 74th pct | 72th pct |
| Return on average assets | 1.00% | 69th pct | 72th pct |
| Net interest margin | 4.48% | 89th pct | 80th pct |
| Cost of funds | 2.27% | 94th pct | 95th pct |
| Loan-to-share | 91.48% | 91th pct | 79th pct |
| Delinquency 60+ days | 0.90% | 72th pct | 70th pct |
| Net charge-off ratio | 0.52% | 67th pct | 57th pct |
| Loan growth YoY | 0.47% | 52th pct | 48th pct |
| Share growth YoY | 0.15% | 11th pct | 8th pct |
| Efficiency ratio | 75.69% | 40th pct | 38th pct |
structural peer set hash: ffd07376cce37074f0f2afb8dd96b0fd… (reproducible)
Closest structural peers
This is the free public view
Claim NORTHERN SKIES
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.