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Duluth, MN · Charter 60242 · Peer group: credit unions under $1B in assets in the Duluth, MN-WI area (n=16)
NCUA · 2 branches
Q2 2026
$57.5MAssets
$37.6MLoans
$49.2MShares
$7.7MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 50% of credit unions under $1B in assets in the Duluth, MN-WI area (rank 8 of 16).
- Widest gap: nonperforming loans / loans trails 88% of credit unions under $1B in assets in the Duluth, MN-WI area (rank 15 of 16).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.84%
Rank 13 of 16
Net Interest Margin
4.17%
Rank 8 of 16
Efficiency Ratio
81.51%
Rank 14 of 16
Equity / Assets
13.43%
Rank 12 of 16
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.84% | 0.85% | 1.44% | 2.05% | Beats 19% | 13 / 16 | | |
| Return on Equity | 6.27% | 6.27% | 10.66% | 13.40% | Beats 25% | 12 / 16 | | |
| Net Interest Margin | 4.17% | 4.07% | 4.17% | 4.88% | Beats 50% | 8 / 16 | | |
| Efficiency Ratio | 81.51% | 63.01% | 70.37% | 80.78% | Beats 19% | 14 / 16 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.77% | 0.32% | 0.86% | 1.92% | Beats 12% | 15 / 16 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.43% | 13.43% | 14.66% | 16.97% | Beats 25% | 12 / 16 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.43% | 13.43% | 14.66% | 16.97% | Beats 25% | 12 / 16 | | |
| Liquidity & Funding |
| Loans / Deposits | 76.42% | 67.52% | 85.26% | 93.00% | 31st pctl | 11 / 16 | | |
| Loans / Assets | 65.38% | 52.10% | 73.80% | 79.04% | 31st pctl | 11 / 16 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |