ASPIRE COMMUNITY
Charter #1888 · MINOT, ND · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 6,301 sits at the 18th percentile of structural peers — worth a closer look.
- Net worth ratio of 15.21% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.40% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.94% sits at the 20th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.05% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
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 | ASPIRE COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $180.93M | 44th pct | 46th pct |
| Members | 6,301 | 8th pct | 18th pct |
| Net worth ratio | 15.21% | 86th pct | 80th pct |
| Return on average assets | 1.40% | 86th pct | 85th pct |
| Net interest margin | 2.94% | 12th pct | 20th pct |
| Cost of funds | 1.59% | 72th pct | 41th pct |
| Loan-to-share | 95.71% | 96th pct | 72th pct |
| Delinquency 60+ days | 0.05% | 3th pct | 8th pct |
| Net charge-off ratio | 0.03% | 10th pct | 25th pct |
| Loan growth YoY | 0.81% | 55th pct | 46th pct |
| Share growth YoY | 2.41% | 34th pct | 34th pct |
| Efficiency ratio | 59.07% | 8th pct | 10th pct |
structural peer set hash: e23a43197360e94400373969b05d92d5… (reproducible)
Closest structural peers
This is the free public view
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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.