True North

Juneau, AK · 1 · Charter #5892 · www.truenorthfcu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$237.5M
97th percentile
Members
13,191
84th percentile
Total loans
$176.2M
98th percentile
Total shares
$211.2M
98th percentile

Profitability

Return on assets
1.08%
53th percentile
Net interest margin
4.52%
88th percentile
Efficiency ratio
66.01%
39th percentile
Non-interest income ratio
18.04%
55th percentile

Capital & Risk

Net worth ratio
9.91%
22th percentile
Delinquency rate
0.80%
46th percentile
Net charge-off rate
0.62%
23th percentile
Loan-to-share
83.42%
77th percentile

Growth

Member growth YoY
0.76%
67th percentile
Asset growth YoY
1.19%
28th percentile
Loan growth YoY
0.97%
48th percentile
Share growth YoY
5.70%
69th percentile

Operations

Members / branch
4,397
76th percentile
Assets / member
$18,004
76th percentile
Field of membership penetration
3.30%
37th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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