St. Paul Saint Paul, MN · Charter 24358 · Peer group: credit unions under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=25)
NCUA · 3 branches
Q2 2026
$252.1M Assets
$199.4M Loans
$215.2M Shares
$32.6M Net Worth
Executive Summary Strongest standing: nonperforming loans / loans outperforms 80% of credit unions under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 6 of 25). Widest gap: net interest margin trails 68% of credit unions under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 17 of 25). Overall: at or above the peer median on 6 of 7 directional measures. Return on Assets
0.66%
Rank 9 of 25
Net Interest Margin
3.43%
Rank 17 of 25
Efficiency Ratio
80.06%
Rank 8 of 25
Equity / Assets
12.93%
Rank 10 of 25
Metric Your Credit Union Peer 25th Peer Median Peer 75th Standing Rank 8-Qtr Trend Peer Position Earnings Return on Assets 0.66% -0.29% 0.38% 0.84% Beats 64% 9 / 25 Return on Equity 5.09% -1.54% 3.43% 5.67% Beats 68% 8 / 25 Net Interest Margin 3.43% 3.36% 3.62% 4.13% Beats 32% 17 / 25 Efficiency Ratio 80.06% 75.76% 88.22% 93.38% Beats 72% 8 / 25 Asset Quality Nonperforming Loans / Loans 0.20% 0.29% 0.62% 1.02% Beats 80% 6 / 25 Net Charge-Offs / Loans n/a Not reported for this institution Capital Tier 1 Capital Ratio 12.93% 10.07% 11.51% 14.55% Beats 60% 10 / 25 Total Risk-Based Capital Ratio n/a Not reported for this institution Equity / Assets 12.93% 10.07% 11.51% 14.55% Beats 60% 10 / 25 Liquidity & Funding Loans / Deposits 92.66% 59.49% 71.17% 86.44% 84th pctl 4 / 25 Loans / Assets 79.08% 53.45% 61.94% 76.61% 84th pctl 4 / 25 Brokered Deposits / Deposits n/a Not reported for this institution
Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Peer statistics computed across credit unions under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area; percentile is the share of peers with a lower reported value. Each ratio is ranked only among the institutions that reported it, so the denominator in the Rank column varies by measure. Income-statement figures on this page are year-to-date as filed, annualized, because the peer percentiles are computed on that basis. Performance Trends defaults to the discrete quarter, so the same measure can read differently there in any quarter but the first, where year-to-date and the quarter cover the same period. Peer comparisons use ratios standardized identically across all institutions and can differ from as-filed figures. Subchapter S banks are restated to an after-tax equivalent at 21.50%, the median effective tax rate of the 2,758 C-corporation banks filing for this quarter. The rate is recomputed each quarter, and C-corporation figures are unchanged. Peer groups below the disclosure floor are suppressed.
CallReports · callreports.ai · Peer Comparison Generated 2026-10-11