DULUTH FIRE DEPARTMENT
Charter #60750 · DULUTH, MN · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 367 sits at the 8th percentile of structural peers — worth a closer look.
- Return on average assets of 1.97% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 41.55% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 84th percentile but its structural peers at the 48th — a 36-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 | DULUTH FIRE DEPARTMENT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $7.65M | 84th pct | 48th pct |
| Members | 367 | 32th pct | 8th pct |
| Net worth ratio | 17.66% | 50th pct | 52th pct |
| Return on average assets | 1.97% | 90th pct | 92th pct |
| Net interest margin | 3.36% | 29th pct | 30th pct |
| Cost of funds | 0.76% | 59th pct | 51th pct |
| Loan-to-share | 41.24% | 30th pct | 34th pct |
| Delinquency 60+ days | 0.34% | 38th pct | 34th pct |
| Net charge-off ratio | 0.00% | 22th pct | 25th pct |
| Loan growth YoY | -4.68% | 53th pct | 62th pct |
| Share growth YoY | 1.90% | 64th pct | 44th pct |
| Efficiency ratio | 41.55% | 6th pct | 2th pct |
structural peer set hash: e0cf5f7d4b93e7424cf5c0713f06b0f9… (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.