NORTHERN HILLS
Charter #6986 · STURGIS, SD · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 1.91% sits at the 79th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.40% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 69th percentile but its structural peers at the 49th — a 20-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 HILLS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $196.60M | 50th pct | 51th pct |
| Members | 12,667 | 47th pct | 41th pct |
| Net worth ratio | 9.77% | 25th pct | 43th pct |
| Return on average assets | 0.87% | 62th pct | 57th pct |
| Net interest margin | 3.96% | 69th pct | 49th pct |
| Cost of funds | 1.91% | 85th pct | 79th pct |
| Loan-to-share | 91.88% | 92th pct | 85th pct |
| Delinquency 60+ days | 0.40% | 31th pct | 15th pct |
| Net charge-off ratio | 0.40% | 54th pct | 48th pct |
| Loan growth YoY | 14.40% | 99th pct | 98th pct |
| Share growth YoY | 14.60% | 99th pct | 97th pct |
| Efficiency ratio | 74.23% | 35th pct | 33th pct |
structural peer set hash: c31498ead62914892662703e54b6e9a0… (reproducible)
Closest structural peers
This is the free public view
Claim NORTHERN HILLS
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.