CARPENTERS
Charter #24676 · Saint Paul, MN · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 15,373 ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.48% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.20% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.16% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 90th percentile but its structural peers at the 67th — a 23-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 | CARPENTERS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $43.86M | 90th pct | 67th pct |
| Members | 15,373 | 100th pct | 98th pct |
| Net worth ratio | 15.99% | 65th pct | 66th pct |
| Return on average assets | 1.46% | 85th pct | 72th pct |
| Net interest margin | 4.48% | 78th pct | 82th pct |
| Cost of funds | 0.20% | 15th pct | 11th pct |
| Loan-to-share | 51.67% | 41th pct | 49th pct |
| Delinquency 60+ days | 0.28% | 35th pct | 26th pct |
| Net charge-off ratio | -0.16% | 7th pct | 5th pct |
| Loan growth YoY | -6.79% | 19th pct | 23th pct |
| Share growth YoY | 0.57% | 31th pct | 20th pct |
| Efficiency ratio | 80.34% | 50th pct | 64th pct |
structural peer set hash: c062cbc26c0549ed2bb85041ab707f12… (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.