City & County
Saint Paul, MN · Charter 60255 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 13 branches
Q2 2026
$1.2BAssets
$711.4MLoans
$1.0BShares
$141.6MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 88% of credit unions $1B-$10B in assets (rank 53 of 435).
- Widest gap: efficiency ratio trails 84% of credit unions $1B-$10B in assets (rank 365 of 435).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.63%
Rank 302 of 435
Net Interest Margin
3.36%
Rank 226 of 435
Efficiency Ratio
80.10%
Rank 365 of 435
Equity / Assets
12.08%
Rank 137 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.63% | 0.55% | 0.81% | 1.14% | Beats 31% | 302 / 435 | |
| Return on Equity | 5.19% | 5.12% | 7.41% | 9.70% | Beats 27% | 319 / 435 | |
| Net Interest Margin | 3.36% | 3.01% | 3.39% | 3.75% | Beats 48% | 226 / 435 | |
| Efficiency Ratio | 80.10% | 65.25% | 71.39% | 77.86% | Beats 16% | 365 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.32% | 0.45% | 0.69% | 1.05% | Beats 88% | 53 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.08% | 9.81% | 10.84% | 12.63% | Beats 69% | 137 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.08% | 9.81% | 10.84% | 12.63% | Beats 69% | 137 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 68.77% | 78.33% | 88.38% | 95.61% | 12th pctl | 383 / 435 | |
| Loans / Assets | 60.67% | 67.69% | 74.58% | 80.80% | 14th pctl | 373 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |