NORTHWOODS COMMUNITY
Charter #67240 · Park Falls, WI · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.33% sits at the 13th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.33% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 84.95% sits at the 77th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 87th percentile but its structural peers at the 66th — a 21-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 | NORTHWOODS COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $93.74M | 91th pct | 74th pct |
| Members | 7,947 | 87th pct | 66th pct |
| Net worth ratio | 10.65% | 27th pct | 33th pct |
| Return on average assets | 0.33% | 30th pct | 13th pct |
| Net interest margin | 4.07% | 70th pct | 69th pct |
| Cost of funds | 0.63% | 30th pct | 31th pct |
| Loan-to-share | 57.20% | 44th pct | 34th pct |
| Delinquency 60+ days | 0.75% | 58th pct | 62th pct |
| Net charge-off ratio | -0.33% | 1th pct | 0th pct |
| Loan growth YoY | -7.15% | 8th pct | 8th pct |
| Share growth YoY | 0.73% | 24th pct | 10th pct |
| Efficiency ratio | 84.95% | 65th pct | 77th pct |
structural peer set hash: 789b5b897142eabab0c2a612e4bcd14a… (reproducible)
Closest structural peers
This is the free public view
Claim NORTHWOODS COMMUNITY
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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.