Cities
Vadnais Heights, MN · Charter 63109 · Peer group: credit unions under $1B in assets (n=1,721-1,724)
NCUA · 1 branch
Q4 2024
$32.3MAssets
$14.3MLoans
$29.5MShares
$2.0MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 46% of credit unions under $1B in assets (rank 937 of 1723).
- Widest gap: equity / assets trails 99% of credit unions under $1B in assets (rank 1710 of 1723).
- Overall: at or above the peer median on 0 of 7 directional measures.
Return on Assets
-2.10%
Rank 1,689 of 1,724
Net Interest Margin
3.52%
Rank 937 of 1,723
Efficiency Ratio
133.40%
Rank 1,689 of 1,721
Equity / Assets
6.21%
Rank 1,710 of 1,723
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -2.10% | 0.25% | 0.67% | 1.13% | Beats 2% | 1,689 / 1,724 | |
| Return on Equity | -33.87% | 1.95% | 5.34% | 8.54% | Beats 1% | 1,708 / 1,723 | |
| Net Interest Margin | 3.52% | 3.03% | 3.61% | 4.27% | Beats 46% | 937 / 1,723 | |
| Efficiency Ratio | 133.40% | 69.84% | 78.36% | 87.50% | Beats 2% | 1,689 / 1,721 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.98% | 0.28% | 0.70% | 1.38% | Beats 36% | 1,095 / 1,721 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 6.21% | 10.16% | 12.41% | 16.03% | Beats 1% | 1,711 / 1,724 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 6.21% | 10.15% | 12.41% | 16.03% | Beats 1% | 1,710 / 1,723 | |
| Liquidity & Funding |
| Loans / Deposits | 48.42% | 55.95% | 72.66% | 85.34% | 17th pctl | 1,432 / 1,722 | |
| Loans / Assets | 44.24% | 47.91% | 62.00% | 72.82% | 21st pctl | 1,366 / 1,723 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |