LEADING EDGE
Charter #66867 · Worthington, MN · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.68% sits at the 21st percentile of structural peers — worth a closer look.
- Return on average assets of 0.15% sits at the 10th percentile of structural peers — worth a closer look.
- Net interest margin of 3.35% sits at the 23rd percentile of structural peers — worth a closer look.
- Cost of funds of 1.89% sits at the 87th percentile of structural peers — worth a closer look.
- Efficiency ratio of 92.23% 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 | LEADING EDGE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $146.00M | 29th pct | 36th pct |
| Members | 12,087 | 44th pct | 44th pct |
| Net worth ratio | 8.68% | 10th pct | 21th pct |
| Return on average assets | 0.15% | 14th pct | 10th pct |
| Net interest margin | 3.35% | 32th pct | 23th pct |
| Cost of funds | 1.89% | 84th pct | 87th pct |
| Loan-to-share | 80.72% | 70th pct | 54th pct |
| Delinquency 60+ days | 0.85% | 68th pct | 61th pct |
| Net charge-off ratio | 0.28% | 42th pct | 36th pct |
| Loan growth YoY | -0.24% | 45th pct | 41th pct |
| Share growth YoY | 6.43% | 83th pct | 87th pct |
| Efficiency ratio | 92.23% | 89th pct | 90th pct |
structural peer set hash: ba5203124d90e7344d070558e491503b… (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.