North Shore
Silver Bay, MN · Charter 18473 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 8 branches
Q2 2026
$284.8MAssets
$226.7MLoans
$246.7MShares
$36.4MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 71% of credit unions under $1B in assets (rank 495 of 1682).
- Widest gap: efficiency ratio trails 72% of credit unions under $1B in assets (rank 1206 of 1682).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.59%
Rank 1,016 of 1,683
Net Interest Margin
3.94%
Rank 727 of 1,683
Efficiency Ratio
85.68%
Rank 1,206 of 1,682
Equity / Assets
12.77%
Rank 862 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.59% | 0.35% | 0.74% | 1.18% | Beats 40% | 1,016 / 1,683 | | |
| Return on Equity | 4.66% | 2.67% | 5.89% | 8.74% | Beats 41% | 994 / 1,681 | | |
| Net Interest Margin | 3.94% | 3.31% | 3.82% | 4.32% | Beats 57% | 727 / 1,683 | | |
| Efficiency Ratio | 85.68% | 68.91% | 78.20% | 86.93% | Beats 28% | 1,206 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.33% | 0.26% | 0.65% | 1.29% | Beats 71% | 495 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.77% | 10.44% | 12.89% | 16.53% | Beats 49% | 862 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.77% | 10.44% | 12.89% | 16.53% | Beats 49% | 862 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 91.87% | 52.61% | 69.38% | 83.50% | 89th pctl | 177 / 1,683 | | |
| Loans / Assets | 79.60% | 44.71% | 59.18% | 70.72% | 91st pctl | 146 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |