MAGNIFI FINANCIAL
Charter #68604 · MELROSE, MN · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.45% sits at the 25th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.18% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 84.53% sits at the 84th percentile of structural peers — worth a closer look.
- On Net charge-off ratio, the asset-size band puts this credit union at the 10th percentile but its structural peers at the 34th — 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 | MAGNIFI FINANCIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.67B | 59th pct | 64th pct |
| Members | 85,373 | 32th pct | 44th pct |
| Net worth ratio | 11.18% | 59th pct | 62th pct |
| Return on average assets | 0.45% | 26th pct | 25th pct |
| Net interest margin | 3.14% | 37th pct | 49th pct |
| Cost of funds | 2.22% | 73th pct | 64th pct |
| Loan-to-share | 96.60% | 83th pct | 70th pct |
| Delinquency 60+ days | 0.18% | 7th pct | 13th pct |
| Net charge-off ratio | 0.14% | 10th pct | 34th pct |
| Loan growth YoY | 2.03% | 54th pct | 56th pct |
| Share growth YoY | 5.01% | 64th pct | 67th pct |
| Efficiency ratio | 84.53% | 89th pct | 84th pct |
structural peer set hash: dd837eecf489c1b620df3839c0377ab9… (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.