RED LAKE CO OP
Charter #6144 · Red Lake Falls, MN · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 96.42% sits at the 75th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 80th percentile but its structural peers at the 41st — a 39-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 | RED LAKE CO OP | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $7.01M | 80th pct | 41th pct |
| Members | 1,439 | 93th pct | 72th pct |
| Net worth ratio | 12.93% | 27th pct | 43th pct |
| Return on average assets | 0.15% | 39th pct | 33th pct |
| Net interest margin | 3.87% | 45th pct | 43th pct |
| Cost of funds | 0.86% | 60th pct | 46th pct |
| Loan-to-share | 75.28% | 70th pct | 59th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.01% | 73th pct | 62th pct |
| Loan growth YoY | 2.68% | 83th pct | 85th pct |
| Share growth YoY | 6.28% | 85th pct | 80th pct |
| Efficiency ratio | 96.42% | 68th pct | 75th pct |
structural peer set hash: 002dd73385e8264072839b5f2fdb1698… (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.