Northwoods
Cloquet, MN · Charter 62847 · Peer group: credit unions under $1B in assets in the Duluth, MN-WI area (n=16)
NCUA · 4 branches
Q2 2026
$175.2MAssets
$131.8MLoans
$154.7MShares
$17.4MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 88% of credit unions under $1B in assets in the Duluth, MN-WI area (rank 2 of 16).
- Widest gap: equity / assets trails 94% of credit unions under $1B in assets in the Duluth, MN-WI area (rank 15 of 16).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
1.35%
Rank 9 of 16
Net Interest Margin
5.55%
Rank 2 of 16
Efficiency Ratio
80.78%
Rank 13 of 16
Equity / Assets
9.93%
Rank 15 of 16
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.35% | 0.85% | 1.44% | 2.05% | Beats 44% | 9 / 16 | |
| Return on Equity | 13.59% | 6.27% | 10.66% | 13.40% | Beats 81% | 3 / 16 | |
| Net Interest Margin | 5.55% | 4.07% | 4.17% | 4.88% | Beats 88% | 2 / 16 | |
| Efficiency Ratio | 80.78% | 63.01% | 70.37% | 80.78% | Beats 25% | 13 / 16 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.49% | 0.32% | 0.86% | 1.92% | Beats 62% | 7 / 16 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.93% | 13.43% | 14.66% | 16.97% | Beats 6% | 15 / 16 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.93% | 13.43% | 14.66% | 16.97% | Beats 6% | 15 / 16 | |
| Liquidity & Funding |
| Loans / Deposits | 85.17% | 67.52% | 85.26% | 93.00% | 44th pctl | 9 / 16 | |
| Loans / Assets | 75.24% | 52.10% | 73.80% | 79.04% | 56th pctl | 7 / 16 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |