Northern Communities

DULUTH, MN · 2 · Charter #64655 · www.nccyou.com
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
$119.9M
58th percentile
Members
6,879
44th percentile
Total loans
$98.1M
75th percentile
Total shares
$105.1M
59th percentile

Profitability

Return on assets
1.48%
77th percentile
Net interest margin
4.89%
94th percentile
Efficiency ratio
65.11%
42th percentile
Non-interest income ratio
15.76%
42th percentile

Capital & Risk

Net worth ratio
10.90%
34th percentile
Delinquency rate
1.87%
11th percentile
Net charge-off rate
0.33%
51th percentile
Loan-to-share
93.30%
91th percentile

Growth

Member growth YoY
1.58%
75th percentile
Asset growth YoY
10.49%
89th percentile
Loan growth YoY
8.30%
81th percentile
Share growth YoY
10.73%
90th percentile

Operations

Members / branch
3,440
58th percentile
Assets / member
$17,428
73th percentile
Field of membership penetration
3.44%
38th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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