Mid Minnesota
Baxter, MN · Charter 20194 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 12 branches
Q2 2026
$858.0MAssets
$707.7MLoans
$766.9MShares
$79.8MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 93% of credit unions under $1B in assets (rank 117 of 1681).
- Widest gap: equity / assets trails 87% of credit unions under $1B in assets (rank 1469 of 1683).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
1.15%
Rank 448 of 1,683
Net Interest Margin
3.78%
Rank 883 of 1,683
Efficiency Ratio
75.82%
Rank 716 of 1,682
Equity / Assets
9.30%
Rank 1,469 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.15% | 0.35% | 0.74% | 1.18% | Beats 73% | 448 / 1,683 | |
| Return on Equity | 12.39% | 2.67% | 5.89% | 8.74% | Beats 93% | 117 / 1,681 | |
| Net Interest Margin | 3.78% | 3.31% | 3.82% | 4.32% | Beats 48% | 883 / 1,683 | |
| Efficiency Ratio | 75.82% | 68.91% | 78.20% | 86.93% | Beats 57% | 716 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.43% | 0.26% | 0.65% | 1.29% | Beats 64% | 610 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.30% | 10.44% | 12.89% | 16.53% | Beats 13% | 1,469 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.30% | 10.44% | 12.89% | 16.53% | Beats 13% | 1,469 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 92.28% | 52.61% | 69.38% | 83.50% | 90th pctl | 166 / 1,683 | |
| Loans / Assets | 82.48% | 44.71% | 59.18% | 70.72% | 95th pctl | 89 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |