BLUESTONE
Charter #2874 · Sioux Falls, SD · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.40% sits at the 16th percentile of structural peers — worth a closer look.
- On Share growth YoY, the asset-size band puts this credit union at the 42nd percentile but its structural peers at the 21st — 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 | BLUESTONE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $212.57M | 55th pct | 51th pct |
| Members | 11,714 | 42th pct | 31th pct |
| Net worth ratio | 9.40% | 19th pct | 16th pct |
| Return on average assets | 1.07% | 73th pct | 70th pct |
| Net interest margin | 3.69% | 52th pct | 33th pct |
| Cost of funds | 1.14% | 45th pct | 52th pct |
| Loan-to-share | 66.43% | 39th pct | 34th pct |
| Delinquency 60+ days | 0.71% | 59th pct | 57th pct |
| Net charge-off ratio | 0.42% | 56th pct | 36th pct |
| Loan growth YoY | -1.09% | 35th pct | 34th pct |
| Share growth YoY | 2.97% | 42th pct | 21th pct |
| Efficiency ratio | 78.25% | 49th pct | 54th pct |
structural peer set hash: edbff59971b5c2c30c65fd95b456fca1… (reproducible)
Closest structural peers
This is the free public view
Claim BLUESTONE
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.