CATHOLIC UNITED FINANCIAL
Charter #68469 · SAINT PAUL, MN · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 1.58% sits at the 84th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.19% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
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 | CATHOLIC UNITED FINANCIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $34.40M | 71th pct | 72th pct |
| Members | 2,815 | 71th pct | 66th pct |
| Net worth ratio | 10.45% | 21th pct | 26th pct |
| Return on average assets | 0.41% | 36th pct | 46th pct |
| Net interest margin | 3.55% | 36th pct | 26th pct |
| Cost of funds | 1.58% | 80th pct | 84th pct |
| Loan-to-share | 55.79% | 48th pct | 49th pct |
| Delinquency 60+ days | 0.19% | 29th pct | 21th pct |
| Net charge-off ratio | 0.00% | 23th pct | 25th pct |
| Loan growth YoY | -9.32% | 9th pct | 8th pct |
| Share growth YoY | -5.51% | 3th pct | 10th pct |
| Efficiency ratio | 90.17% | 73th pct | 67th pct |
structural peer set hash: 4354a0728a84ce50aa0d1fbf9195f8e2… (reproducible)
Closest structural peers
This is the free public view
Claim CATHOLIC UNITED FINANCIAL
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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.