NORTHRIDGE COMMUNITY
Charter #61257 · Virginia, MN · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 15.66% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 2.49% ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 5.72% ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 3.06% sits at the 95th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.92% sits at the 95th percentile of structural peers — worth a closer look.
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 | NORTHRIDGE COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $109.57M | 7th pct | 18th pct |
| Members | 7,962 | 18th pct | 48th pct |
| Net worth ratio | 15.66% | 88th pct | 77th pct |
| Return on average assets | 2.49% | 99th pct | 98th pct |
| Net interest margin | 5.72% | 99th pct | 98th pct |
| Cost of funds | 1.50% | 67th pct | 36th pct |
| Loan-to-share | 96.93% | 97th pct | 82th pct |
| Delinquency 60+ days | 3.06% | 98th pct | 95th pct |
| Net charge-off ratio | 0.92% | 87th pct | 95th pct |
| Loan growth YoY | 0.59% | 53th pct | 51th pct |
| Share growth YoY | -2.18% | 3th pct | 8th pct |
| Efficiency ratio | 61.36% | 10th pct | 16th pct |
structural peer set hash: 86bd86a73370dcfd0e1452e3fe3c8b02… (reproducible)
Closest structural peers
This is the free public view
Claim NORTHRIDGE COMMUNITY
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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.