INDIANHEAD
Charter #66434 · SPOONER, WI · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.70% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.02% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 64.80% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 99th percentile but its structural peers at the 69th — a 30-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 | INDIANHEAD | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $98.77M | 99th pct | 69th pct |
| Members | 7,274 | 81th pct | 57th pct |
| Net worth ratio | 14.97% | 69th pct | 72th pct |
| Return on average assets | 1.70% | 90th pct | 87th pct |
| Net interest margin | 4.26% | 80th pct | 64th pct |
| Cost of funds | 0.71% | 35th pct | 30th pct |
| Loan-to-share | 81.84% | 86th pct | 56th pct |
| Delinquency 60+ days | 0.67% | 54th pct | 49th pct |
| Net charge-off ratio | 0.02% | 20th pct | 11th pct |
| Loan growth YoY | 5.11% | 92th pct | 89th pct |
| Share growth YoY | 1.96% | 40th pct | 25th pct |
| Efficiency ratio | 64.80% | 17th pct | 13th pct |
structural peer set hash: 994265cef672504d88acf5175cfb51d2… (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.