NORTH PLATTE UNION PACIFIC EMPLOYEE
Charter #65528 · North Platte, NE · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 16.26% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.97% sits at the 10th percentile of structural peers — worth a closer look.
- Cost of funds of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 3.59% sits at the 95th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 88th percentile but its structural peers at the 66th — a 23-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 | NORTH PLATTE UNION PACIFIC EMPLOYEE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $43.18M | 88th pct | 66th pct |
| Members | 3,947 | 90th pct | 69th pct |
| Net worth ratio | 16.26% | 67th pct | 79th pct |
| Return on average assets | 0.95% | 66th pct | 52th pct |
| Net interest margin | 2.97% | 15th pct | 10th pct |
| Cost of funds | 0.00% | 0th pct | 0th pct |
| Loan-to-share | 43.05% | 25th pct | 38th pct |
| Delinquency 60+ days | 3.59% | 95th pct | 95th pct |
| Net charge-off ratio | 0.20% | 56th pct | 38th pct |
| Loan growth YoY | -8.71% | 10th pct | 15th pct |
| Share growth YoY | 3.06% | 56th pct | 51th pct |
| Efficiency ratio | 73.73% | 35th pct | 49th pct |
structural peer set hash: e8fdd22fd74795483e5a078bd61c58a0… (reproducible)
Closest structural peers
This is the free public view
Claim NORTH PLATTE UNION PACIFIC EMPLOYEE
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.