FT RANDALL
Charter #7067 · WAGNER, SD · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 17.15% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.74% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 5.06% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.59% sits at the 79th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 83rd percentile but its structural peers at the 52nd — a 31-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 | FT RANDALL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $44.94M | 92th pct | 64th pct |
| Members | 3,418 | 83th pct | 52th pct |
| Net worth ratio | 17.15% | 72th pct | 77th pct |
| Return on average assets | 1.74% | 90th pct | 85th pct |
| Net interest margin | 5.06% | 92th pct | 90th pct |
| Cost of funds | 1.04% | 60th pct | 51th pct |
| Loan-to-share | 71.51% | 72th pct | 64th pct |
| Delinquency 60+ days | 0.95% | 67th pct | 56th pct |
| Net charge-off ratio | 0.59% | 74th pct | 79th pct |
| Loan growth YoY | -0.99% | 62th pct | 51th pct |
| Share growth YoY | 8.42% | 92th pct | 93th pct |
| Efficiency ratio | 71.91% | 30th pct | 46th pct |
structural peer set hash: 0d0342742c4b3870ee221a7286cbb455… (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.