Duluth Fire Department
Duluth, MN · Charter 60750 · Peer group: credit unions under $1B in assets in the Duluth, MN-WI area (n=16)
NCUA · 1 branch
Q2 2026
$7.5MAssets
$2.5MLoans
$6.2MShares
$1.3MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 81% of credit unions under $1B in assets in the Duluth, MN-WI area (rank 3 of 16).
- Widest gap: net interest margin trails 100% of credit unions under $1B in assets in the Duluth, MN-WI area (rank 16 of 16).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.51%
Rank 15 of 16
Net Interest Margin
2.08%
Rank 16 of 16
Efficiency Ratio
76.92%
Rank 11 of 16
Equity / Assets
17.75%
Rank 3 of 16
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.51% | 0.85% | 1.44% | 2.05% | Beats 6% | 15 / 16 | |
| Return on Equity | 2.85% | 6.27% | 10.66% | 13.40% | Beats 6% | 15 / 16 | |
| Net Interest Margin | 2.08% | 4.07% | 4.17% | 4.88% | Beats 0% | 16 / 16 | |
| Efficiency Ratio | 76.92% | 63.01% | 70.37% | 80.78% | Beats 37% | 11 / 16 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.32% | 0.32% | 0.86% | 1.92% | Beats 75% | 5 / 16 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 17.75% | 13.43% | 14.66% | 16.97% | Beats 81% | 3 / 16 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 17.75% | 13.43% | 14.66% | 16.97% | Beats 81% | 3 / 16 | |
| Liquidity & Funding |
| Loans / Deposits | 40.00% | 67.52% | 85.26% | 93.00% | 6th pctl | 15 / 16 | |
| Loans / Assets | 32.89% | 52.10% | 73.80% | 79.04% | 6th pctl | 15 / 16 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |