EMBARRASS VERMILLION
Charter #4708 · Aurora, MN · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 2.07% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.39% sits at the 89th percentile of structural peers — worth a closer look.
- Efficiency ratio of 62.12% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 94th percentile but its structural peers at the 75th — 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 | EMBARRASS VERMILLION | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $66.29M | 40th pct | 51th pct |
| Members | 4,836 | 46th pct | 44th pct |
| Net worth ratio | 14.02% | 63th pct | 61th pct |
| Return on average assets | 2.07% | 96th pct | 90th pct |
| Net interest margin | 4.59% | 89th pct | 72th pct |
| Cost of funds | 0.90% | 49th pct | 43th pct |
| Loan-to-share | 89.33% | 94th pct | 75th pct |
| Delinquency 60+ days | 1.39% | 84th pct | 89th pct |
| Net charge-off ratio | 0.35% | 60th pct | 61th pct |
| Loan growth YoY | -0.32% | 62th pct | 46th pct |
| Share growth YoY | 2.76% | 48th pct | 48th pct |
| Efficiency ratio | 62.12% | 13th pct | 7th pct |
structural peer set hash: 211790c0afe08cd446b8490c8d7acfa4… (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.