BRAINERD B. N.
Charter #60436 · Brainerd, MN · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.72% sits at the 10th percentile of structural peers — worth a closer look.
- Cost of funds of 2.03% sits at the 93rd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.01% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 93.85% sits at the 85th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 10th percentile but its structural peers at the 28th — a 18-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 | BRAINERD B. N. | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $124.42M | 16th pct | 28th pct |
| Members | 6,689 | 10th pct | 28th pct |
| Net worth ratio | 10.88% | 41th pct | 43th pct |
| Return on average assets | 0.27% | 20th pct | 26th pct |
| Net interest margin | 2.72% | 7th pct | 10th pct |
| Cost of funds | 2.03% | 89th pct | 93th pct |
| Loan-to-share | 57.13% | 21th pct | 39th pct |
| Delinquency 60+ days | 0.31% | 23th pct | 33th pct |
| Net charge-off ratio | 0.01% | 7th pct | 15th pct |
| Loan growth YoY | -0.66% | 39th pct | 48th pct |
| Share growth YoY | 3.62% | 53th pct | 59th pct |
| Efficiency ratio | 93.85% | 92th pct | 85th pct |
structural peer set hash: e9cd0828eed9aba44846ce76cdea2731… (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.