Centricity
Hermantown, MN · Charter 68685 · Peer group: credit unions under $1B in assets in the Duluth, MN-WI area (n=16)
NCUA · 5 branches
Q2 2026
$340.5MAssets
$251.3MLoans
$277.4MShares
$47.6MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 88% of credit unions under $1B in assets in the Duluth, MN-WI area (rank 2 of 16).
- Widest gap: equity / assets trails 62% of credit unions under $1B in assets in the Duluth, MN-WI area (rank 10 of 16).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
2.13%
Rank 2 of 16
Net Interest Margin
4.92%
Rank 3 of 16
Efficiency Ratio
63.01%
Rank 5 of 16
Equity / Assets
13.97%
Rank 10 of 16
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.13% | 0.85% | 1.44% | 2.05% | Beats 88% | 2 / 16 | |
| Return on Equity | 15.26% | 6.27% | 10.66% | 13.40% | Beats 88% | 2 / 16 | |
| Net Interest Margin | 4.92% | 4.07% | 4.17% | 4.88% | Beats 81% | 3 / 16 | |
| Efficiency Ratio | 63.01% | 63.01% | 70.37% | 80.78% | Beats 75% | 5 / 16 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.79% | 0.32% | 0.86% | 1.92% | Beats 56% | 8 / 16 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.97% | 13.43% | 14.66% | 16.97% | Beats 38% | 10 / 16 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.97% | 13.43% | 14.66% | 16.97% | Beats 38% | 10 / 16 | |
| Liquidity & Funding |
| Loans / Deposits | 90.58% | 67.52% | 85.26% | 93.00% | 63rd pctl | 6 / 16 | |
| Loans / Assets | 73.80% | 52.10% | 73.80% | 79.04% | 50th pctl | 8 / 16 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |