MID MINNESOTA

Charter #20194 | MN

750M-1B (112 CUs) Community (281 CUs)
1 750M-1B in MN

MID MINNESOTA has 6 strengths but faces 4 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 16.5% in tier
  • + Organic Growth Engine: Top 16.6% in tier
  • + Wallet Share Momentum: Top 33.2% in tier
  • + ROA 0.13% above tier average
  • + Net Interest Margin 0.46% above tier average
  • + First Mortgage Concentration (%): Top 8.0% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 5.2% in tier
  • - Liquidity Strain: Bottom 13.8% in tier
  • - Efficiency ratio 3.11% above tier (higher cost structure)
  • - Indirect Auto Concentration (%): Bottom 3.6% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Members 66,504
+4.5% YoY+1.4% QoQ
 +14.4K 52,114
-2.1% YoY
 26,738
+5.8% YoY
 33,089
+6.1% YoY
 Top 17.0% in tier
Assets $800.7M
+6.1% YoY+2.8% QoQ
 $-58.3M $859.0M
+0.0% YoY
 $521.2M
+7.2% YoY
 $547.7M
+7.8% YoY
 Bottom 24.1% in tier
Loans $660.6M
+9.1% YoY+1.9% QoQ
 +$57.3M $603.4M
+1.0% YoY
 $373.7M
+9.3% YoY
 $388.7M
+8.6% YoY
 61st in tier
Deposits $703.8M
+3.3% YoY+0.7% QoQ
 $-30.4M $734.2M
+0.9% YoY
 $429.0M
+9.5% YoY
 $464.6M
+9.3% YoY
 38th in tier
ROA 0.8%
+61.3% YoY+13.8% QoQ
 +0.1% 0.7%
+27.6% YoY
 1.4%
-35.4% YoY
 0.7%
+273.4% YoY
 63rd in tier
NIM 3.8%
+12.7% YoY+0.6% QoQ
 +0.5% 3.4%
+9.6% YoY
 3.7%
+9.1% YoY
 3.7%
+5.0% YoY
 Top 21.4% in tier
Efficiency Ratio 77.6%
-5.2% YoY-1.7% QoQ
 +3.1% 74.5%
-3.2% YoY
 74.2%
-2.5% YoY
 79.1%
-3.3% YoY
 54th in tier
Delinquency Rate 0.4%
-39.0% YoY-11.4% QoQ
 -0.5 0.8%
+5.0% YoY
 0.9%
+10.7% YoY
 1.2%
-0.9% YoY
 Bottom 17.9% in tier
Loan To Share 93.9%
+5.6% YoY+1.2% QoQ
 +11.2% 82.7%
+0.1% YoY
 77.1%
-1.5% YoY
 68.0%
-1.7% YoY
 Top 22.3% in tier
AMR $20,517
+1.4% YoY-0.1% QoQ
 $-8K $28,651
+2.5% YoY
 $23,275
+3.9% YoY
 $19,418
+1.3% YoY
 Bottom 17.0% in tier
CD Concentration 29.1%
-5.4% YoY-1.6% QoQ
 +4.7% 24.4%
+4.2% YoY
 22.0%
+1.9% YoY
 19.6%
+6.2% YoY
 68th in tier
Indirect Auto % 48.0%
+0.2% YoY-1.7% QoQ
 +34.1% 14.0%
-5.8% YoY
 6.6%
-8.5% YoY
 7.9%
-2.9% YoY
 Top 4.1% in tier

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth
#456 of 1006 • Top 16.5% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 1.45%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $5.1K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Organic Growth Engine

growth
#305 of 603 • Top 16.6% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 4.53%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.84%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 48.02%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Wallet Share Momentum

growth
#916 of 1006 • Top 33.2% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 1.45%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (2)

Indirect Auto Dependency

risk
#85 of 525 • Bottom 5.2% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 6.05%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 48.02%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 4.53%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 281 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank worsening

Liquidity Strain

risk
#108 of 258 • Bottom 13.8% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 93.87%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 9.09%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
258 of 281 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | New qualifier

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 112 peers in tier

Top Strengths (6 metrics)

10
First Mortgage Concentration (%)
balance_sheet
Value: 13.53%
Peer Avg: 33.64%
#10 of 112 Top 8.0% in 750M-1B tier
16
Member Growth Rate
growth
Value: 4.53%
Peer Avg: 1.14%
#16 of 112 Top 13.4% in 750M-1B tier
19
Total Members
engagement
Value: 66,504
Peer Avg: 52,114
#19 of 112 Top 16.1% in 750M-1B tier
21
Total Delinquency Rate (60+ days)
risk
Value: 0.37%
Peer Avg: 0.82%
#21 of 112 Top 17.9% in 750M-1B tier
24
Net Interest Margin (NIM)
profitability
Value: 3.84%
Peer Avg: 3.38%
#24 of 112 Top 20.5% in 750M-1B tier
25
Loan-to-Share Ratio
balance_sheet
Value: 93.87%
Peer Avg: 82.66%
#25 of 112 Top 21.4% in 750M-1B tier

Top Weaknesses (4 metrics)

109
Indirect Auto Concentration (%)
balance_sheet
Value: 48.02%
Peer Avg: 16.60%
#109 of 112 Bottom 3.6% in 750M-1B tier
93
Average Member Relationship (AMR)
engagement
Value: $20,517
Peer Avg: $28,651
#93 of 112 Bottom 17.9% in 750M-1B tier
89
Net Worth Ratio
risk
Value: 9.15%
Peer Avg: 11.52%
#89 of 112 Bottom 21.4% in 750M-1B tier
85
Total Assets
balance_sheet
Value: $800.73M
Peer Avg: $859.01M
#85 of 112 Bottom 25.0% in 750M-1B tier