NORTHERN
Charter #68696 · WATERTOWN, NY · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.03% sits at the 7th percentile of structural peers — worth a closer look.
- Net interest margin of 3.71% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 94.68% sits at the 90th percentile of structural peers — worth a closer look.
- On Net charge-off ratio, the asset-size band puts this credit union at the 45th percentile but its structural peers at the 72nd — a 28-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 | NORTHERN | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $682.12M | 44th pct | 31th pct |
| Members | 45,187 | 61th pct | 54th pct |
| Net worth ratio | 10.53% | 53th pct | 64th pct |
| Return on average assets | 0.03% | 7th pct | 7th pct |
| Net interest margin | 3.71% | 69th pct | 85th pct |
| Cost of funds | 1.53% | 53th pct | 38th pct |
| Loan-to-share | 91.16% | 81th pct | 57th pct |
| Delinquency 60+ days | 0.67% | 60th pct | 51th pct |
| Net charge-off ratio | 0.37% | 45th pct | 72th pct |
| Loan growth YoY | 1.26% | 54th pct | 40th pct |
| Share growth YoY | 4.42% | 57th pct | 62th pct |
| Efficiency ratio | 94.68% | 97th pct | 90th pct |
structural peer set hash: b7942bbbcba7f58ffae3cb2d293b7024… (reproducible)
Closest structural peers
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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.