HURON AREA EDUCATION
Charter #7599 · HURON, SD · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 854 sits at the 0th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.20% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 68.62% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- On Net worth ratio, the asset-size band puts this credit union at the 39th percentile but its structural peers at the 61st — a 22-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 | HURON AREA EDUCATION | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $18.46M | 32th pct | 16th pct |
| Members | 854 | 3th pct | 0th pct |
| Net worth ratio | 12.28% | 39th pct | 61th pct |
| Return on average assets | 1.15% | 74th pct | 70th pct |
| Net interest margin | 3.61% | 38th pct | 51th pct |
| Cost of funds | 1.58% | 80th pct | 70th pct |
| Loan-to-share | 54.07% | 45th pct | 48th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | -0.20% | 6th pct | 7th pct |
| Loan growth YoY | -5.46% | 27th pct | 20th pct |
| Share growth YoY | 3.30% | 59th pct | 62th pct |
| Efficiency ratio | 68.62% | 24th pct | 23th pct |
structural peer set hash: 1780da1c56e60317c4c22d7be71e9a15… (reproducible)
Closest structural peers
This is the free public view
Claim HURON AREA EDUCATION
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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.