TRUSTONE FINANCIAL
Charter #68722 · Plymouth, MN · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.57% sits at the 15th percentile of structural peers — worth a closer look.
- Cost of funds of 3.45% sits at the 97th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.84% sits at the 77th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.14% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 60.58% ranks in the 11th 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 | TRUSTONE FINANCIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $6.06B | 86th pct | 87th pct |
| Members | 221,057 | 76th pct | 69th pct |
| Net worth ratio | 10.80% | 51th pct | 57th pct |
| Return on average assets | 1.06% | 76th pct | 72th pct |
| Net interest margin | 2.57% | 11th pct | 15th pct |
| Cost of funds | 3.45% | 98th pct | 97th pct |
| Loan-to-share | 88.41% | 56th pct | 41th pct |
| Delinquency 60+ days | 0.84% | 70th pct | 77th pct |
| Net charge-off ratio | 0.14% | 9th pct | 16th pct |
| Loan growth YoY | -1.04% | 14th pct | 13th pct |
| Share growth YoY | 5.05% | 65th pct | 49th pct |
| Efficiency ratio | 60.58% | 13th pct | 11th pct |
structural peer set hash: e577d4324008e2ad40679cd62a7034fd… (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.