IDEAL
Charter #62978 · WOODBURY, MN · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 0.50% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.58% 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 5th percentile but its structural peers at the 49th — a 44-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 | IDEAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.09B | 5th pct | 49th pct |
| Members | 48,369 | 3th pct | 44th pct |
| Net worth ratio | 10.51% | 44th pct | 72th pct |
| Return on average assets | 0.55% | 35th pct | 54th pct |
| Net interest margin | 3.35% | 49th pct | 48th pct |
| Cost of funds | 0.50% | 11th pct | 2th pct |
| Loan-to-share | 95.90% | 81th pct | 75th pct |
| Delinquency 60+ days | 0.80% | 67th pct | 66th pct |
| Net charge-off ratio | 0.58% | 56th pct | 75th pct |
| Loan growth YoY | 0.38% | 33th pct | 46th pct |
| Share growth YoY | 0.17% | 6th pct | 15th pct |
| Efficiency ratio | 77.49% | 69th pct | 38th pct |
structural peer set hash: 9d7d116df5530ae2a13fdc488c11ae5f… (reproducible)
Closest structural peers
This is the free public view
Claim IDEAL
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.