TRUNORTHERN
Charter #21026 · Malone, NY · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 5,873 sits at the 16th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.34% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.05% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- On Cost of funds, the asset-size band puts this credit union at the 46th percentile but its structural peers at the 67th — a 21-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 | TRUNORTHERN | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $110.71M | 7th pct | 18th pct |
| Members | 5,873 | 6th pct | 16th pct |
| Net worth ratio | 11.62% | 52th pct | 64th pct |
| Return on average assets | 0.66% | 47th pct | 52th pct |
| Net interest margin | 3.95% | 69th pct | 72th pct |
| Cost of funds | 1.15% | 46th pct | 67th pct |
| Loan-to-share | 66.56% | 39th pct | 39th pct |
| Delinquency 60+ days | 0.34% | 25th pct | 25th pct |
| Net charge-off ratio | -0.05% | 1th pct | 0th pct |
| Loan growth YoY | 2.94% | 75th pct | 77th pct |
| Share growth YoY | 3.98% | 57th pct | 51th pct |
| Efficiency ratio | 86.06% | 75th pct | 70th pct |
structural peer set hash: d2bde393450e3bead8cc392e665d0669… (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.