MINNESOTA POWER EMPLOYEES
Charter #60377 · DULUTH, MN · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 4,170 sits at the 7th percentile of structural peers — worth a closer look.
- Net worth ratio of 13.62% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.95% sits at the 75th percentile of structural peers — worth a closer look.
- Efficiency ratio of 57.97% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 78th percentile but its structural peers at the 48th — a 30-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 | MINNESOTA POWER EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $170.33M | 39th pct | 33th pct |
| Members | 4,170 | 2th pct | 7th pct |
| Net worth ratio | 13.62% | 76th pct | 79th pct |
| Return on average assets | 1.31% | 83th pct | 72th pct |
| Net interest margin | 3.22% | 24th pct | 31th pct |
| Cost of funds | 2.24% | 94th pct | 72th pct |
| Loan-to-share | 83.94% | 78th pct | 48th pct |
| Delinquency 60+ days | 0.95% | 74th pct | 75th pct |
| Net charge-off ratio | 0.05% | 11th pct | 33th pct |
| Loan growth YoY | -3.26% | 15th pct | 3th pct |
| Share growth YoY | 13.20% | 99th pct | 98th pct |
| Efficiency ratio | 57.97% | 6th pct | 8th pct |
structural peer set hash: a9b2af60a6cd6ab5810fa5b79ccb18ec… (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.