Northern Hills
Sturgis, SD · Charter 6986 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
$204.9MAssets
$172.9MLoans
$183.2MShares
$19.6MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 73% of credit unions under $1B in assets (rank 461 of 1682).
- Widest gap: equity / assets trails 84% of credit unions under $1B in assets (rank 1415 of 1683).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
0.79%
Rank 788 of 1,683
Net Interest Margin
3.85%
Rank 815 of 1,683
Efficiency Ratio
73.76%
Rank 627 of 1,682
Equity / Assets
9.57%
Rank 1,415 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.79% | 0.35% | 0.74% | 1.18% | Beats 53% | 788 / 1,683 | |
| Return on Equity | 8.29% | 2.67% | 5.89% | 8.74% | Beats 72% | 472 / 1,681 | |
| Net Interest Margin | 3.85% | 3.31% | 3.82% | 4.32% | Beats 52% | 815 / 1,683 | |
| Efficiency Ratio | 73.76% | 68.91% | 78.20% | 86.93% | Beats 63% | 627 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.29% | 0.26% | 0.65% | 1.29% | Beats 73% | 461 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.57% | 10.44% | 12.89% | 16.53% | Beats 16% | 1,415 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.57% | 10.44% | 12.89% | 16.53% | Beats 16% | 1,415 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 94.38% | 52.61% | 69.38% | 83.50% | 93rd pctl | 124 / 1,683 | |
| Loans / Assets | 84.38% | 44.71% | 59.18% | 70.72% | 97th pctl | 52 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |