TOPLINE FINANCIAL
Charter #68731 · Maple Grove, MN · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- On Members, the asset-size band puts this credit union at the 18th percentile but its structural peers at the 64th — a 46-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 | TOPLINE FINANCIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.15B | 11th pct | 56th pct |
| Members | 69,773 | 18th pct | 64th pct |
| Net worth ratio | 9.78% | 28th pct | 30th pct |
| Return on average assets | 0.52% | 31th pct | 30th pct |
| Net interest margin | 3.62% | 67th pct | 57th pct |
| Cost of funds | 1.62% | 42th pct | 48th pct |
| Loan-to-share | 89.51% | 59th pct | 57th pct |
| Delinquency 60+ days | 0.65% | 51th pct | 52th pct |
| Net charge-off ratio | 0.40% | 34th pct | 49th pct |
| Loan growth YoY | 0.81% | 38th pct | 40th pct |
| Share growth YoY | 4.27% | 55th pct | 55th pct |
| Efficiency ratio | 80.86% | 80th pct | 67th pct |
structural peer set hash: d215bb9b92fbbfff9e88cb052e6cb101… (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.