DULUTH POLICE DEPARTMENT EMPLOYEES
Charter #64359 · DULUTH, MN · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.71% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.48% sits at the 21st percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.02% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 50.85% ranks in the 10th 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 | DULUTH POLICE DEPARTMENT EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $7.99M | 86th pct | 59th pct |
| Members | 693 | 61th pct | 30th pct |
| Net worth ratio | 22.09% | 66th pct | 64th pct |
| Return on average assets | 1.71% | 87th pct | 79th pct |
| Net interest margin | 3.48% | 32th pct | 21th pct |
| Cost of funds | 1.47% | 77th pct | 72th pct |
| Loan-to-share | 69.33% | 63th pct | 44th pct |
| Delinquency 60+ days | 0.02% | 28th pct | 25th pct |
| Net charge-off ratio | 0.00% | 22th pct | 16th pct |
| Loan growth YoY | -3.38% | 59th pct | 57th pct |
| Share growth YoY | 0.84% | 56th pct | 43th pct |
| Efficiency ratio | 50.85% | 9th pct | 10th pct |
structural peer set hash: 4d3b16e2fda90ebdbe1d300b9a3665d8… (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.