TRUNORTH
Charter #6332 · Ishpeming, MI · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Delinquency 60+ days of 0.24% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 29th percentile but its structural peers at the 44th — a 15-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 | TRUNORTH | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $203.45M | 52th pct | 39th pct |
| Members | 15,474 | 61th pct | 61th pct |
| Net worth ratio | 9.74% | 25th pct | 30th pct |
| Return on average assets | 0.85% | 60th pct | 49th pct |
| Net interest margin | 3.30% | 29th pct | 44th pct |
| Cost of funds | 0.53% | 20th pct | 31th pct |
| Loan-to-share | 58.68% | 25th pct | 30th pct |
| Delinquency 60+ days | 0.24% | 17th pct | 23th pct |
| Net charge-off ratio | 0.17% | 26th pct | 38th pct |
| Loan growth YoY | 0.21% | 50th pct | 48th pct |
| Share growth YoY | 5.31% | 74th pct | 67th pct |
| Efficiency ratio | 78.53% | 50th pct | 61th pct |
structural peer set hash: 488268d6d60067f2346d9e0c8e62afb0… (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.