Northwoods

Cloquet, MN · 2 · Charter #62847 · www.northwoodscu.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
$174.0M
81th percentile
Members
11,783
78th percentile
Total loans
$136.9M
92th percentile
Total shares
$156.0M
84th percentile

Profitability

Return on assets
1.43%
74th percentile
Net interest margin
5.46%
98th percentile
Efficiency ratio
72.32%
20th percentile
Non-interest income ratio
23.42%
78th percentile

Capital & Risk

Net worth ratio
9.32%
15th percentile
Delinquency rate
0.55%
61th percentile
Net charge-off rate
0.51%
31th percentile
Loan-to-share
87.77%
83th percentile

Growth

Member growth YoY
-2.00%
33th percentile
Asset growth YoY
-1.07%
14th percentile
Loan growth YoY
-0.92%
36th percentile
Share growth YoY
-2.52%
10th percentile

Operations

Members / branch
2,946
46th percentile
Assets / member
$14,770
53th percentile
Field of membership penetration
4.43%
43th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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