NORTHERN COMMUNITIES
Charter #64655 · DULUTH, MN · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 6,869 sits at the 8th percentile of structural peers — worth a closer look.
- Return on average assets of 0.86% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 5.14% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.81% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.50% sits at the 90th 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 | NORTHERN COMMUNITIES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $126.83M | 18th pct | 11th pct |
| Members | 6,869 | 10th pct | 8th pct |
| Net worth ratio | 10.51% | 35th pct | 39th pct |
| Return on average assets | 0.86% | 61th pct | 77th pct |
| Net interest margin | 5.14% | 98th pct | 97th pct |
| Cost of funds | 0.81% | 29th pct | 21th pct |
| Loan-to-share | 88.29% | 86th pct | 85th pct |
| Delinquency 60+ days | 1.50% | 89th pct | 90th pct |
| Net charge-off ratio | 0.59% | 72th pct | 61th pct |
| Loan growth YoY | 3.82% | 80th pct | 75th pct |
| Share growth YoY | 9.14% | 95th pct | 97th pct |
| Efficiency ratio | 83.29% | 67th pct | 61th pct |
structural peer set hash: 7a81802fd74a13cf471b0368cc4bd5e1… (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.