SHAREPOINT
Charter #63098 · Bloomington, MN · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net charge-off ratio of 0.20% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
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 | SHAREPOINT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $368.22M | 85th pct | 74th pct |
| Members | 20,680 | 79th pct | 69th pct |
| Net worth ratio | 11.42% | 49th pct | 59th pct |
| Return on average assets | 0.72% | 51th pct | 57th pct |
| Net interest margin | 3.49% | 40th pct | 26th pct |
| Cost of funds | 1.28% | 54th pct | 59th pct |
| Loan-to-share | 72.15% | 51th pct | 49th pct |
| Delinquency 60+ days | 0.74% | 60th pct | 52th pct |
| Net charge-off ratio | 0.20% | 31th pct | 20th pct |
| Loan growth YoY | -2.46% | 21th pct | 23th pct |
| Share growth YoY | 0.01% | 10th pct | 8th pct |
| Efficiency ratio | 82.13% | 63th pct | 61th pct |
structural peer set hash: 3c3f59862eb8d3aaef74a5c825fadb63… (reproducible)
Closest structural peers
This is the free public view
Claim SHAREPOINT
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.