NORTH SHORE
Charter #18473 · Silver Bay, MN · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net charge-off ratio of 0.02% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 87th percentile but its structural peers at the 61st — a 27-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 SHORE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $281.55M | 71th pct | 62th pct |
| Members | 13,976 | 54th pct | 54th pct |
| Net worth ratio | 12.77% | 66th pct | 70th pct |
| Return on average assets | 0.59% | 41th pct | 54th pct |
| Net interest margin | 3.96% | 70th pct | 69th pct |
| Cost of funds | 1.37% | 60th pct | 36th pct |
| Loan-to-share | 88.89% | 87th pct | 61th pct |
| Delinquency 60+ days | 0.63% | 52th pct | 57th pct |
| Net charge-off ratio | 0.02% | 8th pct | 7th pct |
| Loan growth YoY | -1.02% | 36th pct | 18th pct |
| Share growth YoY | -2.31% | 2th pct | 3th pct |
| Efficiency ratio | 86.42% | 76th pct | 61th pct |
structural peer set hash: 3887d519f088ccc813e1a9f953893667… (reproducible)
Closest structural peers
This is the free public view
Claim NORTH SHORE
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.