Mini-Cassia Empl. Credit Union
Total assets
$532K
▲ +3.6% YoY
Shares & deposits
$442K
▲ +4.2% YoY
Loans
$373K
▼ -11.7% YoY
Members
337
▲ 0.0% YoY
ROA (annualized)
0.14%
peers 0.60%
ROE (annualized)
0.86%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.6% | +1.3% | +2.3 pts |
| Share growth (YoY) | +4.2% | +0.7% | +3.5 pts |
| Loan growth (YoY) | -11.7% | -2.4% | -9.3 pts |
| ROA | 0.14% | 0.60% | -0.5 pts |
| ROE | 0.9% | 4.1% | -3.2 pts |
ROA ranks in the 27th percentile of its peer group · Q1 2026
Profile
- Established
- 1955
- Charter
- NFICU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 1
- Address
- Po Box 524, Burley, ID, 83318
- NCUA charter #
- 82527
- RSSD ID
- 932697
- 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 | $532K | $442K | $373K | $88K | $190 | 0.14% | 3.82% | 2.77% | 337 |
| Q4 2025 | $528K | $438K | $411K | $88K | $766 | 0.14% | 4.06% | 2.58% | 341 |
| Q3 2025 | $536K | $446K | $439K | $88K | $652 | 0.16% | 4.05% | 6.98% | 339 |
| Q2 2025 | $511K | $421K | $390K | $88K | $567 | 0.22% | 4.26% | 7.26% | 337 |
| Q1 2025 | $514K | $424K | $422K | $88K | $246 | 0.19% | 4.68% | 6.96% | 337 |
| Q4 2024 | $509K | $419K | $475K | $87K | $3K | 0.56% | 4.92% | 5.68% | 340 |
| Q3 2024 | $529K | $440K | $511K | $86K | $2K | 0.47% | 4.76% | 2.85% | 343 |
| Q2 2024 | $548K | $461K | $461K | $85K | $908 | 0.33% | 4.65% | 3.53% | 342 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $228K · securities $0
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 | 0.14% | 0.60% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 0.9% | 4.1% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.82% | 3.83% | 50th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 96.3% | 81.5% | 81th | |
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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