Novation

OAKDALE, MN · 2 · Charter #65063 · www.Novation.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
$241.8M
98th percentile
Members
14,498
89th percentile
Total loans
$171.2M
98th percentile
Total shares
$214.9M
99th percentile

Profitability

Return on assets
1.42%
73th percentile
Net interest margin
3.49%
40th percentile
Efficiency ratio
54.44%
74th percentile
Non-interest income ratio
20.41%
66th percentile

Capital & Risk

Net worth ratio
10.56%
30th percentile
Delinquency rate
0.66%
54th percentile
Net charge-off rate
0.20%
67th percentile
Loan-to-share
79.67%
70th percentile

Growth

Member growth YoY
-15.59%
1th percentile
Asset growth YoY
3.99%
50th percentile
Loan growth YoY
3.72%
64th percentile
Share growth YoY
3.04%
46th percentile

Operations

Members / branch
3,625
61th percentile
Assets / member
$16,676
68th percentile
Field of membership penetration
2.90%
36th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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