ELY AREA
Charter #63398 · ELY, MN · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 16.11% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 2.51% ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.06% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.42% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.00% ranks in the 0th 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 | ELY AREA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $75.23M | 58th pct | 61th pct |
| Members | 4,523 | 40th pct | 62th pct |
| Net worth ratio | 16.11% | 76th pct | 77th pct |
| Return on average assets | 2.51% | 99th pct | 98th pct |
| Net interest margin | 4.06% | 70th pct | 93th pct |
| Cost of funds | 0.42% | 19th pct | 20th pct |
| Loan-to-share | 40.80% | 14th pct | 23th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.02% | 21th pct | 31th pct |
| Loan growth YoY | 1.55% | 75th pct | 80th pct |
| Share growth YoY | 1.07% | 29th pct | 31th pct |
| Efficiency ratio | 45.15% | 2th pct | 0th pct |
structural peer set hash: e999693d9842dd61423230a74667f325… (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.