Proctor
Proctor, MN · Charter 19960 · Peer group: credit unions under $1B in assets (n=1,721-1,724)
NCUA · 2 branches
Q4 2024
$69.5MAssets
$56.6MLoans
$61.6MShares
$7.5MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 80% of credit unions under $1B in assets (rank 352 of 1723).
- Widest gap: equity / assets trails 68% of credit unions under $1B in assets (rank 1171 of 1723).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
1.00%
Rank 529 of 1,724
Net Interest Margin
3.91%
Rank 634 of 1,723
Efficiency Ratio
69.39%
Rank 410 of 1,721
Equity / Assets
10.80%
Rank 1,171 of 1,723
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.00% | 0.25% | 0.67% | 1.13% | Beats 69% | 529 / 1,724 | | |
| Return on Equity | 9.26% | 1.95% | 5.34% | 8.54% | Beats 80% | 352 / 1,723 | | |
| Net Interest Margin | 3.91% | 3.03% | 3.61% | 4.27% | Beats 63% | 634 / 1,723 | | |
| Efficiency Ratio | 69.39% | 69.84% | 78.36% | 87.50% | Beats 76% | 410 / 1,721 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.95% | 0.28% | 0.70% | 1.38% | Beats 38% | 1,073 / 1,721 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.80% | 10.16% | 12.41% | 16.03% | Beats 32% | 1,172 / 1,724 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.80% | 10.15% | 12.41% | 16.03% | Beats 32% | 1,171 / 1,723 | | |
| Liquidity & Funding |
| Loans / Deposits | 91.97% | 55.95% | 72.66% | 85.34% | 87th pctl | 226 / 1,722 | | |
| Loans / Assets | 81.42% | 47.91% | 62.00% | 72.82% | 92nd pctl | 131 / 1,723 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |