COMMUNITY
Charter #61336 · NEW ROCKFORD, ND · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.45% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.32% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.00% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 42.24% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 2nd percentile but its structural peers at the 44th — a 42-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 | COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $178.29M | 43th pct | 79th pct |
| Members | 4,075 | 2th pct | 44th pct |
| Net worth ratio | 16.60% | 91th pct | 70th pct |
| Return on average assets | 1.45% | 87th pct | 89th pct |
| Net interest margin | 2.49% | 4th pct | 36th pct |
| Cost of funds | 0.32% | 13th pct | 7th pct |
| Loan-to-share | 19.48% | 0th pct | 10th pct |
| Delinquency 60+ days | 0.00% | 1th pct | 5th pct |
| Net charge-off ratio | 0.00% | 6th pct | 33th pct |
| Loan growth YoY | -10.12% | 0th pct | 2th pct |
| Share growth YoY | 5.12% | 72th pct | 75th pct |
| Efficiency ratio | 42.24% | 1th pct | 2th pct |
structural peer set hash: 0c41334a2107838fb21e19975ec72718… (reproducible)
Closest structural peers
This is the free public view
Claim COMMUNITY
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.