UNIVERSITY
Charter #1904 · Grand Forks, ND · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.58% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.06% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 66.00% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 93rd percentile but its structural peers at the 44th — a 48-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 | UNIVERSITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $45.21M | 93th pct | 44th pct |
| Members | 3,626 | 86th pct | 41th pct |
| Net worth ratio | 14.05% | 53th pct | 72th pct |
| Return on average assets | 1.58% | 88th pct | 89th pct |
| Net interest margin | 4.22% | 68th pct | 57th pct |
| Cost of funds | 0.80% | 47th pct | 44th pct |
| Loan-to-share | 66.84% | 66th pct | 77th pct |
| Delinquency 60+ days | 0.58% | 50th pct | 34th pct |
| Net charge-off ratio | 0.06% | 43th pct | 23th pct |
| Loan growth YoY | -3.02% | 45th pct | 23th pct |
| Share growth YoY | 2.44% | 50th pct | 46th pct |
| Efficiency ratio | 66.00% | 19th pct | 7th pct |
structural peer set hash: 24363c94d38789ae9ab3dc05455c5396… (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.