NOVATION
Charter #65063 · OAKDALE, MN · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.12% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 74.02% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 56th percentile but its structural peers at the 33rd — a 24-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 | NOVATION | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $252.33M | 64th pct | 44th pct |
| Members | 14,384 | 56th pct | 33th pct |
| Net worth ratio | 10.86% | 40th pct | 39th pct |
| Return on average assets | 1.12% | 76th pct | 79th pct |
| Net interest margin | 3.57% | 44th pct | 33th pct |
| Cost of funds | 1.30% | 56th pct | 61th pct |
| Loan-to-share | 76.46% | 59th pct | 54th pct |
| Delinquency 60+ days | 0.66% | 55th pct | 56th pct |
| Net charge-off ratio | 0.31% | 45th pct | 39th pct |
| Loan growth YoY | 0.88% | 56th pct | 49th pct |
| Share growth YoY | 5.05% | 71th pct | 77th pct |
| Efficiency ratio | 74.02% | 34th pct | 20th pct |
structural peer set hash: 85acd9b7e8bd384db37d2918d71462d4… (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.