MINNCO
Charter #63639 · Cambridge, MN · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.51% sits at the 13th percentile of structural peers — worth a closer look.
- On Net worth ratio, the asset-size band puts this credit union at the 29th percentile but its structural peers at the 13th — a 16-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 | MINNCO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $612.35M | 27th pct | 33th pct |
| Members | 37,039 | 38th pct | 44th pct |
| Net worth ratio | 9.51% | 29th pct | 13th pct |
| Return on average assets | 0.57% | 45th pct | 33th pct |
| Net interest margin | 3.13% | 26th pct | 30th pct |
| Cost of funds | 1.61% | 61th pct | 70th pct |
| Loan-to-share | 65.56% | 16th pct | 28th pct |
| Delinquency 60+ days | 0.54% | 45th pct | 52th pct |
| Net charge-off ratio | 0.52% | 59th pct | 67th pct |
| Loan growth YoY | -0.63% | 30th pct | 23th pct |
| Share growth YoY | 3.74% | 45th pct | 38th pct |
| Efficiency ratio | 78.32% | 50th pct | 48th pct |
structural peer set hash: 990d7b0d861babee0dd19aaacaee5ed6… (reproducible)
Closest structural peers
This is the free public view
Claim MINNCO
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.