NORTH COUNTRY
Charter #24312 · BURLINGTON, VT · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- On Total assets, the asset-size band puts this credit union at the 10th percentile but its structural peers at the 41st — a 31-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 | NORTH COUNTRY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.13B | 10th pct | 41th pct |
| Members | 78,661 | 26th pct | 52th pct |
| Net worth ratio | 9.47% | 21th pct | 28th pct |
| Return on average assets | 0.51% | 30th pct | 38th pct |
| Net interest margin | 3.88% | 83th pct | 66th pct |
| Cost of funds | 1.80% | 52th pct | 72th pct |
| Loan-to-share | 89.38% | 59th pct | 67th pct |
| Delinquency 60+ days | 0.81% | 67th pct | 67th pct |
| Net charge-off ratio | 0.46% | 44th pct | 33th pct |
| Loan growth YoY | 1.65% | 48th pct | 62th pct |
| Share growth YoY | 4.09% | 50th pct | 52th pct |
| Efficiency ratio | 80.94% | 80th pct | 70th pct |
structural peer set hash: 91ae86abb5c2b92e13b49d529f2e7250… (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.