Great River
St. Cloud, MN · Charter 24632 · Peer group: credit unions under $1B in assets (n=1,656-1,659)
NCUA · 9 branches
Q2 2025
$329.7MAssets
$281.2MLoans
$299.9MShares
$25.2MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 75% of credit unions under $1B in assets (rank 421 of 1657).
- Widest gap: equity / assets trails 97% of credit unions under $1B in assets (rank 1613 of 1658).
- Overall: at or above the peer median on 1 of 7 directional measures.
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 |