AREA COMMUNITY
Charter #64294 · GRAND FORKS, ND · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.19% sits at the 18th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.34% sits at the 77th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.27% sits at the 75th percentile of structural peers — worth a closer look.
- Efficiency ratio of 91.01% sits at the 79th percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 76th percentile but its structural peers at the 51st — a 25-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 | AREA COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $27.65M | 55th pct | 48th pct |
| Members | 1,895 | 42th pct | 38th pct |
| Net worth ratio | 18.66% | 80th pct | 66th pct |
| Return on average assets | 0.19% | 25th pct | 18th pct |
| Net interest margin | 4.22% | 68th pct | 66th pct |
| Cost of funds | 1.14% | 64th pct | 54th pct |
| Loan-to-share | 74.31% | 76th pct | 51th pct |
| Delinquency 60+ days | 1.34% | 75th pct | 77th pct |
| Net charge-off ratio | 0.27% | 60th pct | 75th pct |
| Loan growth YoY | -0.51% | 67th pct | 62th pct |
| Share growth YoY | 2.21% | 47th pct | 51th pct |
| Efficiency ratio | 91.01% | 75th pct | 79th pct |
structural peer set hash: af5f1cce6ff0955c07bf4d9ed4a55fc1… (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.