MEMBERS COOPERATIVE
Charter #60216 · DULUTH, MN · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Delinquency 60+ days of 1.33% sits at the 84th percentile of structural peers — worth a closer look.
- Efficiency ratio of 73.82% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 14th percentile but its structural peers at the 62nd — a 49-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 | MEMBERS COOPERATIVE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.19B | 14th pct | 62th pct |
| Members | 59,619 | 9th pct | 54th pct |
| Net worth ratio | 10.17% | 36th pct | 54th pct |
| Return on average assets | 0.63% | 43th pct | 57th pct |
| Net interest margin | 3.44% | 56th pct | 64th pct |
| Cost of funds | 1.69% | 46th pct | 36th pct |
| Loan-to-share | 95.58% | 81th pct | 72th pct |
| Delinquency 60+ days | 1.33% | 90th pct | 84th pct |
| Net charge-off ratio | 0.54% | 53th pct | 72th pct |
| Loan growth YoY | 0.01% | 27th pct | 25th pct |
| Share growth YoY | 3.86% | 44th pct | 58th pct |
| Efficiency ratio | 73.82% | 54th pct | 23th pct |
structural peer set hash: f80f9859e7941318a035310d6bd38bd3… (reproducible)
Closest structural peers
This is the free public view
Claim MEMBERS COOPERATIVE
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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.