SCHOOL EMPLOYEES
Charter #66662 · Superior, WI · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 558 sits at the 23rd percentile of structural peers — worth a closer look.
- Return on average assets of 1.39% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.74% sits at the 75th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.00% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 48th percentile but its structural peers at the 23rd — a 25-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 | SCHOOL EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.42M | 35th pct | 13th pct |
| Members | 558 | 48th pct | 23th pct |
| Net worth ratio | 16.00% | 43th pct | 56th pct |
| Return on average assets | 1.39% | 82th pct | 75th pct |
| Net interest margin | 5.02% | 77th pct | 66th pct |
| Cost of funds | 1.74% | 84th pct | 75th pct |
| Loan-to-share | 85.32% | 83th pct | 61th pct |
| Delinquency 60+ days | 0.35% | 38th pct | 36th pct |
| Net charge-off ratio | 0.00% | 22th pct | 21th pct |
| Loan growth YoY | -7.12% | 39th pct | 21th pct |
| Share growth YoY | 2.75% | 69th pct | 62th pct |
| Efficiency ratio | 72.71% | 27th pct | 34th pct |
structural peer set hash: 26a7dc3d2aa3f0930b05718394c2735b… (reproducible)
Closest structural peers
This is the free public view
Claim SCHOOL EMPLOYEES
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.