GLACIER HILLS
Charter #67238 · WEST BEND, WI · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net charge-off ratio of 0.08% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 72.76% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- On Net worth ratio, the asset-size band puts this credit union at the 38th percentile but its structural peers at the 56th — a 17-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 | GLACIER HILLS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $284.03M | 71th pct | 56th pct |
| Members | 17,040 | 67th pct | 49th pct |
| Net worth ratio | 10.71% | 38th pct | 56th pct |
| Return on average assets | 1.01% | 70th pct | 74th pct |
| Net interest margin | 3.48% | 39th pct | 28th pct |
| Cost of funds | 1.51% | 67th pct | 62th pct |
| Loan-to-share | 79.25% | 66th pct | 52th pct |
| Delinquency 60+ days | 0.77% | 63th pct | 66th pct |
| Net charge-off ratio | 0.08% | 16th pct | 11th pct |
| Loan growth YoY | 2.66% | 73th pct | 69th pct |
| Share growth YoY | 5.44% | 75th pct | 75th pct |
| Efficiency ratio | 72.76% | 30th pct | 25th pct |
structural peer set hash: 91418d12e15483d3e2ef1aca6bea8849… (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.