NORTHWOODS
Charter #62847 · Cloquet, MN · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 11,728 sits at the 25th percentile of structural peers — worth a closer look.
- Return on average assets of 0.97% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 5.44% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.36% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.75% sits at the 75th 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 | NORTHWOODS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $177.97M | 43th pct | 34th pct |
| Members | 11,728 | 43th pct | 25th pct |
| Net worth ratio | 9.35% | 19th pct | 28th pct |
| Return on average assets | 0.97% | 67th pct | 75th pct |
| Net interest margin | 5.44% | 99th pct | 97th pct |
| Cost of funds | 0.83% | 30th pct | 33th pct |
| Loan-to-share | 82.68% | 75th pct | 72th pct |
| Delinquency 60+ days | 0.36% | 28th pct | 18th pct |
| Net charge-off ratio | 0.75% | 81th pct | 75th pct |
| Loan growth YoY | -1.15% | 34th pct | 26th pct |
| Share growth YoY | 1.24% | 20th pct | 26th pct |
| Efficiency ratio | 85.04% | 72th pct | 69th pct |
structural peer set hash: d4acc522447997f71c5deb7efb094517… (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.