TRAILNORTH
Charter #9219 · Ticonderoga, NY · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.73% sits at the 16th percentile of structural peers — worth a closer look.
- Net interest margin of 4.09% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.78% sits at the 77th percentile of structural peers — worth a closer look.
- On Delinquency 60+ days, the asset-size band puts this credit union at the 54th percentile but its structural peers at the 70th — a 17-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 | TRAILNORTH | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $176.52M | 42th pct | 51th pct |
| Members | 10,968 | 38th pct | 43th pct |
| Net worth ratio | 9.73% | 24th pct | 16th pct |
| Return on average assets | 0.61% | 42th pct | 33th pct |
| Net interest margin | 4.09% | 76th pct | 87th pct |
| Cost of funds | 0.75% | 28th pct | 33th pct |
| Loan-to-share | 57.59% | 22th pct | 30th pct |
| Delinquency 60+ days | 0.65% | 54th pct | 70th pct |
| Net charge-off ratio | 0.78% | 83th pct | 77th pct |
| Loan growth YoY | -0.62% | 40th pct | 46th pct |
| Share growth YoY | 0.28% | 11th pct | 8th pct |
| Efficiency ratio | 81.23% | 60th pct | 67th pct |
structural peer set hash: d57c09b4d0b2a45e75037f719fd46093… (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.