ELECTRIC MACHINERY EMPLOYEES
Charter #63988 · MINNEAPOLIS, MN · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 748 sits at the 7th percentile of structural peers — worth a closer look.
- Net worth ratio of 24.01% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of -1.06% sits at the 8th percentile of structural peers — worth a closer look.
- Net interest margin of 3.52% sits at the 15th percentile of structural peers — worth a closer look.
- Cost of funds of 1.79% sits at the 89th percentile of structural peers — worth a closer look.
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 | ELECTRIC MACHINERY EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $8.61M | 91th pct | 18th pct |
| Members | 748 | 66th pct | 7th pct |
| Net worth ratio | 24.01% | 72th pct | 85th pct |
| Return on average assets | -1.06% | 16th pct | 8th pct |
| Net interest margin | 3.52% | 33th pct | 15th pct |
| Cost of funds | 1.79% | 85th pct | 89th pct |
| Loan-to-share | 58.25% | 49th pct | 49th pct |
| Delinquency 60+ days | 1.31% | 58th pct | 77th pct |
| Net charge-off ratio | -0.00% | 22th pct | 26th pct |
| Loan growth YoY | -7.08% | 39th pct | 28th pct |
| Share growth YoY | 1.27% | 59th pct | 48th pct |
| Efficiency ratio | 120.37% | 88th pct | 93th pct |
structural peer set hash: 022c2f046b4af3e9adff13cf92f15be9… (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.