44 NORTH
Charter #68739 · Lebanon, OR · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.96% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.94% sits at the 84th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 2.10% sits at the 95th percentile of structural peers — worth a closer look.
- Efficiency ratio of 75.50% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 65th percentile but its structural peers at the 41st — a 24-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 | 44 NORTH | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $156.89M | 34th pct | 33th pct |
| Members | 9,761 | 31th pct | 31th pct |
| Net worth ratio | 12.75% | 66th pct | 64th pct |
| Return on average assets | 0.42% | 31th pct | 43th pct |
| Net interest margin | 4.96% | 97th pct | 97th pct |
| Cost of funds | 1.29% | 55th pct | 44th pct |
| Loan-to-share | 78.66% | 65th pct | 41th pct |
| Delinquency 60+ days | 1.94% | 95th pct | 84th pct |
| Net charge-off ratio | 2.10% | 98th pct | 95th pct |
| Loan growth YoY | -2.01% | 25th pct | 25th pct |
| Share growth YoY | -8.59% | 0th pct | 0th pct |
| Efficiency ratio | 75.50% | 39th pct | 21th pct |
structural peer set hash: 0928c326b1b3c919ac7eceb443784c26… (reproducible)
Closest structural peers
This is the free public view
Claim 44 NORTH
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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.