North Shore

Silver Bay, MN · 1 · Charter #18473 · www.northshorefcu.org
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$282.4M
11th percentile
Members
13,848
7th percentile
Total loans
$219.5M
28th percentile
Total shares
$244.8M
11th percentile

Profitability

Return on assets
0.70%
32th percentile
Net interest margin
3.76%
71th percentile
Efficiency ratio
65.54%
23th percentile
Non-interest income ratio
13.44%
17th percentile

Capital & Risk

Net worth ratio
12.58%
72th percentile
Delinquency rate
0.33%
85th percentile
Net charge-off rate
0.09%
90th percentile
Loan-to-share
89.67%
74th percentile

Growth

Member growth YoY
6.29%
93th percentile
Asset growth YoY
2.03%
25th percentile
Loan growth YoY
15.27%
92th percentile
Share growth YoY
1.27%
20th percentile

Operations

Members / branch
1,731
1th percentile
Assets / member
$20,392
77th percentile
Field of membership penetration
11.21%
75th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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