Northern Communities
Duluth, MN · Charter 64655 · Peer group: credit unions under $1B in assets in the Duluth, MN-WI area (n=16)
NCUA · 2 branches
Q2 2026
$124.3MAssets
$101.3MLoans
$108.9MShares
$13.4MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 75% of credit unions under $1B in assets in the Duluth, MN-WI area (rank 4 of 16).
- Widest gap: efficiency ratio trails 88% 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 1 of 7 directional measures.
Return on Assets
0.56%
Rank 14 of 16
Net Interest Margin
4.88%
Rank 4 of 16
Efficiency Ratio
86.36%
Rank 15 of 16
Equity / Assets
10.79%
Rank 14 of 16
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.56% | 0.85% | 1.44% | 2.05% | Beats 13% | 14 / 16 | | |
| Return on Equity | 5.16% | 6.27% | 10.66% | 13.40% | Beats 19% | 13 / 16 | | |
| Net Interest Margin | 4.88% | 4.07% | 4.17% | 4.88% | Beats 75% | 4 / 16 | | |
| Efficiency Ratio | 86.36% | 63.01% | 70.37% | 80.78% | Beats 12% | 15 / 16 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.92% | 0.32% | 0.86% | 1.92% | Beats 25% | 13 / 16 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.79% | 13.43% | 14.66% | 16.97% | Beats 13% | 14 / 16 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.79% | 13.43% | 14.66% | 16.97% | Beats 13% | 14 / 16 | | |
| Liquidity & Funding |
| Loans / Deposits | 93.00% | 67.52% | 85.26% | 93.00% | 75th pctl | 4 / 16 | | |
| Loans / Assets | 81.48% | 52.10% | 73.80% | 79.04% | 81st pctl | 3 / 16 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |