CAPITAL
Charter #61637 · Bismarck, ND · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 32,476 sits at the 18th percentile of structural peers — worth a closer look.
- Net interest margin of 3.58% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.51% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.53% sits at the 87th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 86th percentile but its structural peers at the 46th — a 40-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 | CAPITAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $907.75M | 86th pct | 46th pct |
| Members | 32,476 | 23th pct | 18th pct |
| Net worth ratio | 12.91% | 81th pct | 74th pct |
| Return on average assets | 0.97% | 71th pct | 74th pct |
| Net interest margin | 3.58% | 57th pct | 75th pct |
| Cost of funds | 0.51% | 13th pct | 10th pct |
| Loan-to-share | 88.99% | 75th pct | 57th pct |
| Delinquency 60+ days | 1.53% | 94th pct | 87th pct |
| Net charge-off ratio | 0.22% | 24th pct | 48th pct |
| Loan growth YoY | 4.02% | 83th pct | 75th pct |
| Share growth YoY | 6.72% | 83th pct | 80th pct |
| Efficiency ratio | 72.86% | 27th pct | 30th pct |
structural peer set hash: a02088b941fc851f85ee5899bd7b9ca2… (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.