ST. PAUL

Charter #24358 | MN

100M-500M (1077 CUs) Micro
31 100M-500M in MN

ST. PAUL has 6 strengths but faces 4 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 21.6% in tier
  • + Organic Growth Leader: Top 27.3% in tier
  • + ROA 0.06% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Total Delinquency Rate (60+ days): Top 5.6% in tier
  • + Members Per Employee (MPE): Top 5.8% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 27.7% in tier
  • - Liquidity Overhang: Bottom 32.9% in tier
  • - Flatlined Growth: Bottom 53.4% in tier
  • - Efficiency ratio 0.70% above tier (higher cost structure)

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Members 14,969
+1.1% YoY+0.7% QoQ
 -659 15,628
-3.4% YoY
 26,738
+5.8% YoY
 33,089
+6.1% YoY
 57th in tier
Assets $258.7M
+1.8% YoY+0.6% QoQ
 +$27.4M $231.3M
-0.0% YoY
 $521.2M
+7.2% YoY
 $547.7M
+7.8% YoY
 66th in tier
Loans $186.8M
-2.4% YoY+1.1% QoQ
 +$39.0M $147.8M
-1.4% YoY
 $373.7M
+9.3% YoY
 $388.7M
+8.6% YoY
 72nd in tier
Deposits $226.9M
+3.3% YoY+0.2% QoQ
 +$26.6M $200.3M
-0.0% YoY
 $429.0M
+9.5% YoY
 $464.6M
+9.3% YoY
 66th in tier
ROA 0.8%
+92.3% YoY+17.3% QoQ
 +0.1% 0.8%
+15.5% YoY
 1.4%
-35.4% YoY
 0.7%
+273.4% YoY
 56th in tier
NIM 3.0%
+17.3% YoY+1.5% QoQ
 -0.6% 3.6%
+6.9% YoY
 3.7%
+9.1% YoY
 3.7%
+5.0% YoY
 Bottom 19.4% in tier
Efficiency Ratio 78.0%
-5.3% YoY+0.2% QoQ
 +0.7% 77.3%
-3.0% YoY
 74.2%
-2.5% YoY
 79.1%
-3.3% YoY
 54th in tier
Delinquency Rate 0.1%
+20.5% YoY+46.5% QoQ
 -0.8 0.9%
+7.6% YoY
 0.9%
+10.7% YoY
 1.2%
-0.9% YoY
 Bottom 5.6% in tier
Loan To Share 82.3%
-5.5% YoY+0.9% QoQ
 +9.6% 72.7%
-1.5% YoY
 77.1%
-1.5% YoY
 68.0%
-1.7% YoY
 69th in tier
AMR $27,635
-0.4% YoY-0.1% QoQ
 +$3K $24,363
+2.9% YoY
 $23,275
+3.9% YoY
 $19,418
+1.3% YoY
 Top 24.8% in tier
CD Concentration 23.5%
-17.0% YoY-5.8% QoQ
 -0.9% 24.4%
+4.2% YoY
 22.0%
+1.9% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 6.6%
-8.5% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Organic Growth Engine

growth
#396 of 603 • Top 21.6% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.07%
(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 %: 0.00%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Organic Growth Leader

growth
#361 of 430 • Top 27.3% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 1.07%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 1077 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | New qualifier

Concerns (3)

Credit Quality Pressure

risk
#686 of 736 • Bottom 27.7% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.02% points
(Tier: 0.04% points, National: 0.07% points)
but better than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | New qualifier

Liquidity Overhang

risk
#509 of 552 • Bottom 32.9% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 12.29%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 82.33%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | New qualifier

Flatlined Growth

risk
#56 of 58 • Bottom 53.4% in tier

Asset growth has flattened despite healthy profitability. May indicate a need to reassess growth strategy.

Why This Signature
Total Assets: $258.71M
(Tier: $231.30M, National: $547.69M)
but better than tier avg
Asset Growth (YoY): 1.77%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Return on Assets: 0.84%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
58 of 1077 Community CUs have this signature | 82 nationally
↑ Growing +10 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 1077 peers in tier

Top Strengths (5 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
61
Total Delinquency Rate (60+ days)
risk
Value: 0.11%
Peer Avg: 0.86%
#61 of 1077 Top 5.6% in 100M-500M tier
63
Members Per Employee (MPE)
engagement
Value: 498.967
Peer Avg: 332.881
#63 of 1077 Top 5.8% in 100M-500M tier
223
Loan-to-Member Ratio (LMR)
engagement
Value: $12,479
Peer Avg: $10,245
#223 of 1077 Top 20.6% in 100M-500M tier
267
Average Member Relationship (AMR)
engagement
Value: $27,635
Peer Avg: $24,363
#267 of 1077 Top 24.7% in 100M-500M tier

Top Weaknesses (3 metrics)

875
AMR Growth Rate
growth
Value: -0.43%
Peer Avg: 3.64%
#875 of 1077 Bottom 18.8% in 100M-500M tier
868
Net Interest Margin (NIM)
profitability
Value: 2.99%
Peer Avg: 3.58%
#868 of 1077 Bottom 19.5% in 100M-500M tier
827
Loan Growth Rate
growth
Value: -2.41%
Peer Avg: 3.45%
#827 of 1077 Bottom 23.3% in 100M-500M tier