TRUE NORTH
Charter #5892 · Juneau, AK · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.22% sits at the 21st percentile of structural peers — worth a closer look.
- Net interest margin of 4.55% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.91% sits at the 82nd percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 75th percentile but its structural peers at the 59th — a 16-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 | TRUE NORTH | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $237.14M | 60th pct | 54th pct |
| Members | 13,157 | 50th pct | 34th pct |
| Net worth ratio | 10.19% | 30th pct | 33th pct |
| Return on average assets | 0.22% | 17th pct | 21th pct |
| Net interest margin | 4.55% | 91th pct | 85th pct |
| Cost of funds | 1.06% | 41th pct | 46th pct |
| Loan-to-share | 82.89% | 75th pct | 59th pct |
| Delinquency 60+ days | 0.91% | 72th pct | 82th pct |
| Net charge-off ratio | 0.61% | 73th pct | 61th pct |
| Loan growth YoY | -0.58% | 40th pct | 38th pct |
| Share growth YoY | 0.19% | 11th pct | 16th pct |
| Efficiency ratio | 83.63% | 68th pct | 64th pct |
structural peer set hash: 53cb35b140c740b35cce78d5ae88be65… (reproducible)
Closest structural peers
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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.