BUILDING TRADES
Charter #24414 · MAPLE GROVE, MN · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.13% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.46% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.13% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 71.86% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- On Share growth YoY, the asset-size band puts this credit union at the 51st percentile but its structural peers at the 33rd — a 19-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 | BUILDING TRADES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $244.92M | 62th pct | 61th pct |
| Members | 19,005 | 74th pct | 69th pct |
| Net worth ratio | 10.86% | 40th pct | 46th pct |
| Return on average assets | 1.13% | 76th pct | 82th pct |
| Net interest margin | 3.62% | 48th pct | 39th pct |
| Cost of funds | 0.99% | 38th pct | 41th pct |
| Loan-to-share | 68.35% | 43th pct | 36th pct |
| Delinquency 60+ days | 0.46% | 37th pct | 23th pct |
| Net charge-off ratio | 0.13% | 22th pct | 20th pct |
| Loan growth YoY | 12.92% | 99th pct | 98th pct |
| Share growth YoY | 3.54% | 51th pct | 33th pct |
| Efficiency ratio | 71.86% | 28th pct | 23th pct |
structural peer set hash: dfd9e01098ee12c7bf8ad8685df9f3bf… (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.