MINNESOTA VALLEY
Charter #19440 · Mankato, MN · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.93% sits at the 11th percentile of structural peers — worth a closer look.
- Cost of funds of 1.66% sits at the 82nd percentile of structural peers — worth a closer look.
- On Return on average assets, the asset-size band puts this credit union at the 61st percentile but its structural peers at the 43rd — a 18-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 | MINNESOTA VALLEY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $333.91M | 78th pct | 79th pct |
| Members | 18,467 | 72th pct | 70th pct |
| Net worth ratio | 10.99% | 43th pct | 41th pct |
| Return on average assets | 0.86% | 61th pct | 43th pct |
| Net interest margin | 2.93% | 12th pct | 11th pct |
| Cost of funds | 1.66% | 75th pct | 82th pct |
| Loan-to-share | 55.87% | 19th pct | 30th pct |
| Delinquency 60+ days | 0.60% | 49th pct | 52th pct |
| Net charge-off ratio | 0.26% | 38th pct | 39th pct |
| Loan growth YoY | 2.42% | 70th pct | 77th pct |
| Share growth YoY | 7.32% | 89th pct | 85th pct |
| Efficiency ratio | 71.08% | 27th pct | 33th pct |
structural peer set hash: 004f3862062622afc08dc65fc0d62d01… (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.