Mower County Catholic Parishes Credit Union
Total assets
$6.7M
▼ -9.0% YoY
Shares & deposits
$5.4M
▼ -10.3% YoY
Loans
$4.6M
▼ -4.4% YoY
Members
1,020
▲ +2.1% YoY
ROA (annualized)
1.15%
peers 0.60%
ROE (annualized)
6.05%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -9.0% | +1.3% | -10.3 pts |
| Share growth (YoY) | -10.3% | +0.7% | -11.0 pts |
| Loan growth (YoY) | -4.4% | -2.4% | -2.1 pts |
| ROA | 1.15% | 0.60% | +0.5 pts |
| ROE | 6.1% | 4.1% | +2.0 pts |
ROA ranks in the 75th percentile of its peer group · Q1 2026
Profile
- Established
- 1935
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 2
- Address
- Po Box 885, Austin, MN, 55912
- NCUA charter #
- 63258
- RSSD ID
- 369293
- 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 | $6.7M | $5.4M | $4.6M | $1.3M | $19K | 1.15% | 4.87% | 3.13% | 1,020 |
| Q4 2025 | $6.6M | $5.4M | $4.6M | $1.2M | $-33K | -0.49% | 4.90% | 2.67% | 1,012 |
| Q3 2025 | $6.7M | $5.5M | $4.7M | $1.2M | $-29K | -0.58% | 4.91% | 2.76% | 1,008 |
| Q2 2025 | $6.8M | $5.6M | $4.7M | $1.3M | $-4K | -0.11% | 5.01% | 4.22% | 1,005 |
| Q1 2025 | $7.3M | $6.0M | $4.8M | $1.3M | $24K | 1.29% | 4.83% | 6.48% | 999 |
| Q4 2024 | $7.3M | $6.1M | $5.0M | $1.3M | $105K | 1.43% | 4.44% | 4.98% | 1,000 |
| Q3 2024 | $7.3M | $6.0M | $5.0M | $1.3M | $93K | 1.70% | 4.41% | 3.63% | 998 |
| Q2 2024 | $7.4M | $6.1M | $4.9M | $1.2M | $66K | 1.79% | 4.18% | 3.83% | 1,003 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $4.5M · securities $1.5M
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 | 1.15% | 0.60% | — | |
Return on equity Annualized net income ÷ equity or net worth | 6.1% | 4.1% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 4.87% | 3.83% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.5% | 81.5% | — | |
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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