MID MINNESOTA
Charter #20194 · Baxter, MN · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.25% sits at the 21st percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.31% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 94th percentile but its structural peers at the 57th — a 36-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 | MID MINNESOTA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $833.94M | 75th pct | 46th pct |
| Members | 67,210 | 94th pct | 57th pct |
| Net worth ratio | 9.25% | 22th pct | 21th pct |
| Return on average assets | 1.11% | 78th pct | 72th pct |
| Net interest margin | 3.89% | 77th pct | 66th pct |
| Cost of funds | 1.53% | 54th pct | 48th pct |
| Loan-to-share | 91.81% | 84th pct | 61th pct |
| Delinquency 60+ days | 0.39% | 29th pct | 28th pct |
| Net charge-off ratio | 0.31% | 40th pct | 18th pct |
| Loan growth YoY | 3.63% | 79th pct | 66th pct |
| Share growth YoY | 5.95% | 79th pct | 74th pct |
| Efficiency ratio | 76.58% | 42th pct | 54th pct |
structural peer set hash: 77d6edd2e5fc9e061f84e376cf348623… (reproducible)
Closest structural peers
This is the free public view
Claim MID MINNESOTA
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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.