SHARE ADVANTAGE
Charter #60242 · Duluth, MN · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 0.36% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.87% 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 75th percentile but its structural peers at the 56th — 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 | SHARE ADVANTAGE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $58.55M | 22th pct | 23th pct |
| Members | 3,427 | 17th pct | 28th pct |
| Net worth ratio | 12.99% | 51th pct | 64th pct |
| Return on average assets | 0.88% | 60th pct | 54th pct |
| Net interest margin | 4.07% | 71th pct | 67th pct |
| Cost of funds | 0.36% | 17th pct | 13th pct |
| Loan-to-share | 73.94% | 75th pct | 56th pct |
| Delinquency 60+ days | 1.87% | 92th pct | 87th pct |
| Net charge-off ratio | 0.10% | 33th pct | 46th pct |
| Loan growth YoY | -0.90% | 56th pct | 38th pct |
| Share growth YoY | 4.37% | 68th pct | 67th pct |
| Efficiency ratio | 80.27% | 51th pct | 51th pct |
structural peer set hash: 29f0320b558f4ffc9dae640f46a4ff94… (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.