NORTH STAR
Charter #60689 · COOK, MN · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 6,076 sits at the 16th percentile of structural peers — worth a closer look.
- Return on average assets of 1.05% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.25% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.19% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.02% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
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 | NORTH STAR | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $112.74M | 9th pct | 13th pct |
| Members | 6,076 | 7th pct | 16th pct |
| Net worth ratio | 9.21% | 17th pct | 26th pct |
| Return on average assets | 1.05% | 72th pct | 79th pct |
| Net interest margin | 4.25% | 82th pct | 84th pct |
| Cost of funds | 1.47% | 65th pct | 39th pct |
| Loan-to-share | 85.49% | 80th pct | 48th pct |
| Delinquency 60+ days | 0.19% | 13th pct | 13th pct |
| Net charge-off ratio | 0.02% | 9th pct | 15th pct |
| Loan growth YoY | -2.25% | 23th pct | 16th pct |
| Share growth YoY | -1.85% | 4th pct | 11th pct |
| Efficiency ratio | 78.69% | 50th pct | 31th pct |
structural peer set hash: 5ab7053bd6e19a5724e7ed355a971513… (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.