Embarrass Vermillion Federal Credit Union
Total assets
$66.3M
▲ +2.2% YoY
Shares & deposits
$56.6M
▲ +3.6% YoY
Loans
$50.6M
▲ +6.2% YoY
Members
4,836
▲ +0.6% YoY
ROA (annualized)
2.06%
peers 0.60%
ROE (annualized)
14.71%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.2% | +1.3% | +0.9 pts |
| Share growth (YoY) | +3.6% | +0.7% | +3.0 pts |
| Loan growth (YoY) | +6.2% | -2.4% | +8.5 pts |
| ROA | 2.06% | 0.60% | +1.5 pts |
| ROE | 14.7% | 4.1% | +10.6 pts |
ROA ranks in the 94th percentile of its peer group · Q1 2026
Profile
- Established
- 1941
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 4
- Address
- 600 W 3Rd Ave N, Aurora, MN, 55705
- NCUA charter #
- 4708
- RSSD ID
- 132170
- 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 | $66.3M | $56.6M | $50.6M | $9.3M | $342K | 2.06% | 4.59% | 1.39% | 4,836 |
| Q4 2025 | $66.0M | $55.4M | $50.5M | $10.3M | $992K | 1.50% | 4.64% | 1.44% | 4,855 |
| Q3 2025 | $65.8M | $55.1M | $50.7M | $10.2M | $834K | 1.69% | 4.65% | 1.93% | 4,856 |
| Q2 2025 | $65.1M | $54.6M | $49.8M | $9.9M | $501K | 1.54% | 4.59% | 1.53% | 4,833 |
| Q1 2025 | $64.8M | $54.6M | $47.6M | $9.6M | $222K | 1.37% | 4.60% | 1.41% | 4,805 |
| Q4 2024 | $60.6M | $50.8M | $46.4M | $9.4M | $1.2M | 2.05% | 5.11% | 1.29% | 4,795 |
| Q3 2024 | $60.1M | $50.7M | $46.1M | $9.1M | $959K | 2.13% | 5.15% | 1.44% | 4,796 |
| Q2 2024 | $57.4M | $48.2M | $44.4M | $8.7M | $605K | 2.11% | 5.36% | 1.12% | 4,818 |
Loan mix (Q1 2026): real estate $24.7M · commercial $0 · consumer $24.8M · securities $10.5M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.06% | 0.60% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 14.7% | 4.1% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.59% | 3.83% | 79th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.1% | 81.5% | 15th | |
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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