NSP
Charter #62733 · Maplewood, MN · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 20.36% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of -0.79% sits at the 7th percentile of structural peers — worth a closer look.
- Efficiency ratio of 97.88% sits at the 89th percentile of structural peers — worth a closer look.
- On Net interest margin, the asset-size band puts this credit union at the 57th percentile but its structural peers at the 30th — a 28-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 | NSP | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $36.21M | 75th pct | 54th pct |
| Members | 2,699 | 68th pct | 43th pct |
| Net worth ratio | 20.36% | 86th pct | 85th pct |
| Return on average assets | -0.79% | 7th pct | 7th pct |
| Net interest margin | 3.98% | 57th pct | 30th pct |
| Cost of funds | 0.68% | 43th pct | 46th pct |
| Loan-to-share | 73.61% | 75th pct | 82th pct |
| Delinquency 60+ days | 0.83% | 62th pct | 56th pct |
| Net charge-off ratio | 0.62% | 75th pct | 57th pct |
| Loan growth YoY | 2.87% | 86th pct | 87th pct |
| Share growth YoY | 0.13% | 27th pct | 28th pct |
| Efficiency ratio | 97.88% | 87th pct | 89th pct |
structural peer set hash: 7aab28f6cad43657198214bc1f6ab211… (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.