True North Federal Credit Union
Total assets
$237.1M
▼ -3.6% YoY
Shares & deposits
$210.3M
▲ +0.3% YoY
Loans
$174.3M
▲ +0.5% YoY
Members
13,157
▲ +0.1% YoY
ROA (annualized)
0.22%
peers 0.69%
ROE (annualized)
2.19%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.6% | +3.9% | -7.5 pts |
| Share growth (YoY) | +0.3% | +3.3% | -3.0 pts |
| Loan growth (YoY) | +0.5% | +2.9% | -2.5 pts |
| ROA | 0.22% | 0.69% | -0.5 pts |
| ROE | 2.2% | 5.9% | -3.8 pts |
ROA ranks in the 17th percentile of its peer group · Q1 2026
Profile
- Established
- 1948
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- Po Box 34157, Juneau, AK, 99803
- NCUA charter #
- 5892
- RSSD ID
- 358475
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $237.1M | $210.3M | $174.3M | $23.7M | $130K | 0.22% | 4.55% | 0.91% | 13,157 |
| Q4 2025 | $237.5M | $211.2M | $176.2M | $23.5M | $1.5M | 0.62% | 4.52% | 0.80% | 13,191 |
| Q3 2025 | $236.8M | $209.8M | $175.3M | $23.2M | $1.1M | 0.60% | 4.48% | 1.46% | 13,200 |
| Q2 2025 | $234.4M | $208.1M | $175.9M | $22.7M | $571K | 0.49% | 4.45% | 1.43% | 13,197 |
| Q1 2025 | $245.9M | $209.7M | $173.5M | $22.4M | $250K | 0.41% | 4.13% | 1.46% | 13,148 |
| Q4 2024 | $234.7M | $200.0M | $174.5M | $22.2M | $1.7M | 0.71% | 4.19% | 1.41% | 13,092 |
| Q3 2024 | $230.9M | $195.9M | $174.5M | $21.6M | $1.1M | 0.61% | 4.18% | 0.68% | 13,124 |
| Q2 2024 | $228.5M | $194.3M | $173.3M | $20.9M | $337K | 0.30% | 4.14% | 0.42% | 13,091 |
Loan mix (Q1 2026): real estate $40.5M · commercial $20.1M · consumer $96.8M · securities $23.0M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.22% | 0.69% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | 2.2% | 5.9% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.55% | 3.62% | 91th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.6% | 78.7% | 68th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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