Magnifi Financial
Melrose, MN · Charter 68604 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 28 branches
Q2 2026
$2.8BAssets
$2.3BLoans
$2.3BShares
$304.0MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 95% of credit unions $1B-$10B in assets (rank 23 of 435).
- Widest gap: return on equity trails 70% of credit unions $1B-$10B in assets (rank 306 of 435).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.61%
Rank 305 of 435
Net Interest Margin
3.26%
Rank 257 of 435
Efficiency Ratio
75.23%
Rank 285 of 435
Equity / Assets
11.04%
Rank 197 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.61% | 0.55% | 0.81% | 1.14% | Beats 30% | 305 / 435 | | |
| Return on Equity | 5.51% | 5.12% | 7.41% | 9.70% | Beats 30% | 306 / 435 | | |
| Net Interest Margin | 3.26% | 3.01% | 3.39% | 3.75% | Beats 41% | 257 / 435 | | |
| Efficiency Ratio | 75.23% | 65.25% | 71.39% | 77.86% | Beats 35% | 285 / 435 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.21% | 0.45% | 0.69% | 1.05% | Beats 95% | 23 / 435 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.04% | 9.81% | 10.84% | 12.63% | Beats 55% | 197 / 435 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.04% | 9.81% | 10.84% | 12.63% | Beats 55% | 197 / 435 | | |
| Liquidity & Funding |
| Loans / Deposits | 99.58% | 78.33% | 88.38% | 95.61% | 84th pctl | 71 / 435 | | |
| Loans / Assets | 82.15% | 67.69% | 74.58% | 80.80% | 83rd pctl | 73 / 435 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |