Embarrass Vermillion
Aurora, MN · Charter 4708 · Peer group: credit unions under $1B in assets in the Duluth, MN-WI area (n=16)
NCUA · 5 branches
Q2 2026
$66.7MAssets
$51.9MLoans
$56.8MShares
$9.5MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 69% of credit unions under $1B in assets in the Duluth, MN-WI area (rank 5 of 16).
- Widest gap: nonperforming loans / loans trails 63% of credit unions under $1B in assets in the Duluth, MN-WI area (rank 11 of 16).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
1.51%
Rank 5 of 16
Net Interest Margin
4.64%
Rank 5 of 16
Efficiency Ratio
66.99%
Rank 6 of 16
Equity / Assets
14.18%
Rank 9 of 16
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.51% | 0.85% | 1.44% | 2.05% | Beats 69% | 5 / 16 | |
| Return on Equity | 10.66% | 6.27% | 10.66% | 13.40% | Beats 50% | 8 / 16 | |
| Net Interest Margin | 4.64% | 4.07% | 4.17% | 4.88% | Beats 69% | 5 / 16 | |
| Efficiency Ratio | 66.99% | 63.01% | 70.37% | 80.78% | Beats 69% | 6 / 16 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.95% | 0.32% | 0.86% | 1.92% | Beats 37% | 11 / 16 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.18% | 13.43% | 14.66% | 16.97% | Beats 44% | 9 / 16 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.18% | 13.43% | 14.66% | 16.97% | Beats 44% | 9 / 16 | |
| Liquidity & Funding |
| Loans / Deposits | 91.48% | 67.52% | 85.26% | 93.00% | 69th pctl | 5 / 16 | |
| Loans / Assets | 77.91% | 52.10% | 73.80% | 79.04% | 69th pctl | 5 / 16 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |