HIGHMARK
Charter #4122 · RAPID CITY, SD · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 7.51% sits at the 5th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.64% sits at the 87th percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 70th percentile but its structural peers at the 52nd — a 18-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 | HIGHMARK | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $260.08M | 66th pct | 61th pct |
| Members | 13,724 | 53th pct | 48th pct |
| Net worth ratio | 7.51% | 2th pct | 5th pct |
| Return on average assets | 0.33% | 25th pct | 39th pct |
| Net interest margin | 3.67% | 51th pct | 43th pct |
| Cost of funds | 1.86% | 83th pct | 72th pct |
| Loan-to-share | 80.97% | 70th pct | 52th pct |
| Delinquency 60+ days | 0.96% | 74th pct | 72th pct |
| Net charge-off ratio | 0.64% | 75th pct | 87th pct |
| Loan growth YoY | -0.82% | 38th pct | 26th pct |
| Share growth YoY | 0.99% | 17th pct | 26th pct |
| Efficiency ratio | 86.61% | 77th pct | 61th pct |
structural peer set hash: b54ed3b4af81a88fa1b50bb445ab41b6… (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.