West Metro Schools Hopkins, MN · Charter 62726 · Peer group: credit unions under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=25)
NCUA · 3 branches
Q2 2026
$43.6M Assets
$19.6M Loans
$35.7M Shares
$7.8M Net Worth
Executive Summary Strongest standing: tier 1 capital ratio outperforms 84% of credit unions under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 4 of 25). Widest gap: nonperforming loans / loans trails 88% of credit unions under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 23 of 25). Overall: at or above the peer median on 5 of 7 directional measures. Return on Assets
0.84%
Rank 7 of 25
Net Interest Margin
3.62%
Rank 13 of 25
Efficiency Ratio
75.76%
Rank 7 of 25
Equity / Assets
17.85%
Rank 4 of 25
Metric Your Credit Union Peer 25th Peer Median Peer 75th Standing Rank Peer Position Earnings Return on Assets 0.84% -0.29% 0.38% 0.84% Beats 72% 7 / 25 Return on Equity 4.73% -1.54% 3.43% 5.67% Beats 56% 11 / 25 Net Interest Margin 3.62% 3.36% 3.62% 4.13% Beats 48% 13 / 25 Efficiency Ratio 75.76% 75.76% 88.22% 93.38% Beats 76% 7 / 25 Asset Quality Nonperforming Loans / Loans 2.87% 0.29% 0.62% 1.02% Beats 12% 23 / 25 Net Charge-Offs / Loans n/a Not reported for this institution Capital Tier 1 Capital Ratio 17.85% 10.07% 11.51% 14.55% Beats 84% 4 / 25 Total Risk-Based Capital Ratio n/a Not reported for this institution Equity / Assets 17.85% 10.07% 11.51% 14.55% Beats 84% 4 / 25 Liquidity & Funding Loans / Deposits 54.85% 59.49% 71.17% 86.44% 12th pctl 22 / 25 Loans / Assets 44.90% 53.45% 61.94% 76.61% 16th pctl 21 / 25 Brokered Deposits / Deposits n/a Not reported for this institution
Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Peer statistics computed across credit unions under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area; percentile is the share of peers with a lower reported value. Each ratio is ranked only among the institutions that reported it, so the denominator in the Rank column varies by measure. Income-statement figures on this page are year-to-date as filed, annualized, because the peer percentiles are computed on that basis. Performance Trends defaults to the discrete quarter, so the same measure can read differently there in any quarter but the first, where year-to-date and the quarter cover the same period. Peer comparisons use ratios standardized identically across all institutions and can differ from as-filed figures. Subchapter S banks are restated to an after-tax equivalent at 21.50%, the median effective tax rate of the 2,758 C-corporation banks filing for this quarter. The rate is recomputed each quarter, and C-corporation figures are unchanged. Peer groups below the disclosure floor are suppressed.
CallReports · callreports.ai · Peer Comparison Generated 2026-10-11