St. Cloud, MN · Charter 24632
NCUA · 9 branches
Q2 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2025, the quarter ended June 30, 2025, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,656 to 1,659). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
3
Asset Quality
34
Profitability
55
Liquidity
0
Efficiency
49
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
St. Cloud, MN · Charter 24632
NCUA · 9 branches
Q2 2025
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.29% | 0.31% | -0.45% | -0.60% | -0.71% | -0.59% | -0.01% | 0.72% | +131 bps | |
| Return on Equity | 4.08% | 4.25% | -6.27% | -8.35% | -10.04% | -8.45% | -0.08% | 9.37% | +1,772 bps | |
| Net Interest Margin | 3.06% | 3.10% | 2.91% | 2.94% | 2.99% | 3.00% | 3.27% | 3.60% | +66 bps | |
| Efficiency Ratio | 90.62% | 89.35% | 101.28% | 100.37% | 97.70% | 97.31% | 84.43% | 77.47% | -2,290 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.93% | 6.11% | 1.60% | -4.11% | -5.18% | -3.86% | -3.57% | -6.44% | -233 bps | |
| Loan Growth (YoY) | 15.80% | 8.86% | 1.11% | -3.43% | -3.81% | -3.13% | -1.89% | -4.10% | -67 bps | |
| Share Growth (YoY) | 6.46% | 2.89% | 0.37% | -2.04% | -2.66% | -0.15% | -2.18% | -4.86% | -282 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.51% | 0.78% | 0.67% | 0.80% | 0.81% | 0.95% | 0.86% | 1.00% | +20 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.28% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.04% | 7.27% | 7.22% | 7.13% | 7.03% | 6.95% | 6.98% | 7.65% | +52 bps | |
| Net Worth / Assets | 7.04% | 7.27% | 7.22% | 7.13% | 7.03% | 6.95% | 6.98% | 7.65% | +52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 93.14% | 92.90% | 89.64% | 93.01% | 92.03% | 90.13% | 89.91% | 93.76% | +74 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 99.67% | 0.00% | 0.00% | 99.84% | 0.00% | 0.00% | 0 bps | |
St. Cloud, MN · Charter 24632 · Peer group: credit unions under $1B in assets (n=1,656-1,659)
NCUA · 9 branches
Q2 2025
Return on Assets
0.72%
Rank 890 of 1,659
Net Interest Margin
3.60%
Rank 944 of 1,658
Efficiency Ratio
77.48%
Rank 840 of 1,656
Equity / Assets
7.65%
Rank 1,613 of 1,658
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.72% | 0.35% | 0.78% | 1.25% | Beats 46% | 890 / 1,659 | ||
| Return on Equity | 9.37% | 2.75% | 6.06% | 9.41% | Beats 75% | 421 / 1,657 | ||
| Net Interest Margin | 3.60% | 3.20% | 3.76% | 4.33% | Beats 43% | 944 / 1,658 | ||
| Efficiency Ratio | 77.48% | 67.69% | 77.34% | 85.79% | Beats 49% | 840 / 1,656 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.00% | 0.24% | 0.65% | 1.35% | Beats 34% | 1,097 / 1,657 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 7.65% | 10.20% | 12.57% | 16.16% | Beats 3% | 1,614 / 1,659 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 7.65% | 10.20% | 12.57% | 16.15% | Beats 3% | 1,613 / 1,658 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 93.76% | 54.91% | 71.55% | 84.72% | 91st pctl | 151 / 1,658 | ||
| Loans / Assets | 85.29% | 46.17% | 60.56% | 71.91% | 97th pctl | 49 / 1,658 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||