Duluth Police Department Employees
Duluth, MN · Charter 64359 · Peer group: credit unions under $1B in assets in the Duluth, MN-WI area (n=16)
NCUA · 1 branch
Q2 2026
$7.8MAssets
$4.1MLoans
$6.0MShares
$1.8MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 94% of credit unions under $1B in assets in the Duluth, MN-WI area (rank 1 of 16).
- Widest gap: net interest margin trails 94% 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 5 of 7 directional measures.
Return on Assets
1.48%
Rank 7 of 16
Net Interest Margin
3.27%
Rank 15 of 16
Efficiency Ratio
54.69%
Rank 3 of 16
Equity / Assets
22.83%
Rank 1 of 16
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.48% | 0.85% | 1.44% | 2.05% | Beats 56% | 7 / 16 | |
| Return on Equity | 6.48% | 6.27% | 10.66% | 13.40% | Beats 31% | 11 / 16 | |
| Net Interest Margin | 3.27% | 4.07% | 4.17% | 4.88% | Beats 6% | 15 / 16 | |
| Efficiency Ratio | 54.69% | 63.01% | 70.37% | 80.78% | Beats 87% | 3 / 16 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.42% | 0.32% | 0.86% | 1.92% | Beats 69% | 6 / 16 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 22.83% | 13.43% | 14.66% | 16.97% | Beats 94% | 1 / 16 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 22.83% | 13.43% | 14.66% | 16.97% | Beats 94% | 1 / 16 | |
| Liquidity & Funding |
| Loans / Deposits | 67.52% | 67.52% | 85.26% | 93.00% | 25th pctl | 12 / 16 | |
| Loans / Assets | 52.10% | 52.10% | 73.80% | 79.04% | 25th pctl | 12 / 16 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |