| Metric | Minnco Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.2% | +4.8% | +2.5 pts |
| Share growth (YoY) | +4.2% | +4.3% | -0.1 pts |
| Loan growth (YoY) | +2.5% | +4.3% | -1.8 pts |
| ROA | 0.57% | 0.62% | -0.1 pts |
| ROE | 5.9% | 5.9% | +0.0 pts |
ROA ranks in the 45th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $612.4M | $535.0M | $350.7M | $58.3M | $866K | 0.57% | 3.10% | 0.54% | 37,039 |
| Q4 2025 | $601.8M | $519.6M | $361.0M | $57.1M | $3.5M | 0.58% | 2.98% | 0.69% | 36,957 |
| Q3 2025 | $577.4M | $515.7M | $353.0M | $56.3M | $2.5M | 0.58% | 3.06% | 0.83% | 36,979 |
| Q2 2025 | $568.1M | $510.8M | $346.6M | $55.5M | $1.7M | 0.61% | 3.04% | 0.83% | 36,812 |
| Q1 2025 | $571.1M | $513.4M | $342.2M | $54.7M | $855K | 0.60% | 2.96% | 0.64% | 36,499 |
| Q4 2024 | $523.4M | $473.6M | $328.1M | $51.9M | $2.9M | 0.55% | 2.60% | 0.69% | 33,860 |
| Q3 2024 | $528.1M | $474.1M | $333.3M | $51.7M | $2.4M | 0.61% | 2.53% | 0.75% | 34,019 |
| Q2 2024 | $522.0M | $471.3M | $334.4M | $50.9M | $1.7M | 0.63% | 2.47% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Minnco Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.57% | 0.62% | 45th | |
Return on equity Annualized net income ÷ equity or net worth | 5.9% | 5.9% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.10% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.49% |
| 33,493 |
Loan mix (Q1 2026): real estate $165.5M · commercial $24.0M · consumer $128.3M · securities $183.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.3% | 78.3% | 50th |
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% |
| Ratio | Minnco Credit Union | 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% |
| Ratio | Minnco Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Minnco Credit Union | 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% |
| Ratio | Minnco Credit Union | 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% |
| Ratio | Minnco Credit Union | 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% |
The full ratio pack is part of CharterBench Pro.
8 branches in 6 counties across 1 state (+1 vs 2024). Biggest market: Isanti, MN, ranked 1st with 20.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Isanti, MN | 3 | $191.5M* | 20.34% | 1st |
| Mille Lacs, MN | 1 | $63.8M* | 5.25% | 5th |
| Ramsey, MN | 1 | $63.8M* | 0.10% | 36th |
| 3 more counties with Pro → | ||||
Minnesota: 65th with 0.15% · Minneapolis-St. Paul-Bloomington metro: 41st, 0.20% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 7 · 2023 7 · 2024 7 · 2025 8