SOUTH METRO

Charter #24482 | MN

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

SOUTH METRO has 6 strengths but faces 10 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 9.0% in tier
  • + Wallet Share Momentum: Top 26.0% in tier
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Fee Income Per Member: Top 0.6% in tier
  • + Average Member Relationship (AMR): Top 1.6% in tier
  • + Loan-to-Member Ratio (LMR): Top 1.7% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 5.9% in tier
  • - Membership Headwinds: Bottom 22.4% in tier
  • - Stagnation Risk: Bottom 26.1% in tier
  • - Credit Quality Pressure: Bottom 28.0% in tier
  • - Growth-at-Risk: Bottom 28.9% in tier
  • - ROA 0.80% below tier average
  • - Efficiency ratio 17.55% above tier (higher cost structure)
  • - Members Per Employee (MPE): Bottom 0.3% in tier
  • - Total Members: Bottom 3.1% in tier
  • - Asset Growth Rate: Bottom 3.3% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Members 4,913
-1.6% YoY+0.4% QoQ
 -10.7K 15,628
-3.4% YoY
 26,738
+5.8% YoY
 33,089
+6.1% YoY
 Bottom 3.0% in tier
Assets $170.3M
-5.3% YoY-1.9% QoQ
 $-61.0M $231.3M
-0.0% YoY
 $521.2M
+7.2% YoY
 $547.7M
+7.8% YoY
 39th in tier
Loans $118.1M
+2.0% YoY+4.5% QoQ
 $-29.7M $147.8M
-1.4% YoY
 $373.7M
+9.3% YoY
 $388.7M
+8.6% YoY
 46th in tier
Deposits $158.4M
+0.8% YoY-1.8% QoQ
 $-41.9M $200.3M
-0.0% YoY
 $429.0M
+9.5% YoY
 $464.6M
+9.3% YoY
 45th in tier
ROA -0.0%
-104.0% YoY-87.5% QoQ
 -0.8% 0.8%
+15.5% YoY
 1.4%
-35.4% YoY
 0.7%
+273.4% YoY
 Bottom 6.9% in tier
NIM 3.5%
+14.1% YoY+3.1% QoQ
 -0.0% 3.6%
+6.9% YoY
 3.7%
+9.1% YoY
 3.7%
+5.0% YoY
 47th in tier
Efficiency Ratio 94.8%
+15.8% YoY-1.4% QoQ
 +17.5% 77.3%
-3.0% YoY
 74.2%
-2.5% YoY
 79.1%
-3.3% YoY
 Top 5.0% in tier
Delinquency Rate 0.4%
+4.2% YoY-49.8% QoQ
 -0.5 0.9%
+7.6% YoY
 0.9%
+10.7% YoY
 1.2%
-0.9% YoY
 26th in tier
Loan To Share 74.6%
+1.3% YoY+6.4% QoQ
 +1.9% 72.7%
-1.5% YoY
 77.1%
-1.5% YoY
 68.0%
-1.7% YoY
 51st in tier
AMR $56,283
+3.0% YoY+0.4% QoQ
 +$32K $24,363
+2.9% YoY
 $23,275
+3.9% YoY
 $19,418
+1.3% YoY
 Top 1.7% in tier
CD Concentration 18.9%
-8.5% YoY+5.1% QoQ
 -5.5% 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)

Relationship Depth Leader

growth
#248 of 1006 • Top 9.0% in tier

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

Why This Signature
AMR Growth (YoY): 2.97%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $7.9K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Wallet Share Momentum

growth
#718 of 1006 • Top 26.0% in tier

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

Why This Signature
AMR Growth (YoY): 2.97%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (5)

Efficiency Drag

risk
#105 of 521 • Bottom 5.9% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 94.83%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.27% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): -1.62%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank improving

Membership Headwinds

decline
#370 of 550 • Bottom 22.4% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -1.62%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Stagnation Risk

risk
#430 of 550 • Bottom 26.1% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: -0.01%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -1.62%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $56.3K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 18.94%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Credit Quality Pressure

risk
#694 of 736 • Bottom 28.0% 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

Growth-at-Risk

risk
#434 of 446 • Bottom 28.9% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 2.04%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 0.02% points
(Tier: 0.04% points, National: 0.07% points)
but better than tier avg
446 of 1077 Community CUs have this signature | 646 nationally
↓ Shrinking -77 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 (4 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
8
Fee Income Per Member
profitability
Value: $516.95
Peer Avg: $174.31
#8 of 1077 Top 0.6% in 100M-500M tier
18
Average Member Relationship (AMR)
engagement
Value: $56,283
Peer Avg: $24,363
#18 of 1077 Top 1.6% in 100M-500M tier
19
Loan-to-Member Ratio (LMR)
engagement
Value: $24,045
Peer Avg: $10,245
#19 of 1077 Top 1.7% in 100M-500M tier

Top Weaknesses (8 metrics)

1075
Members Per Employee (MPE)
engagement
Value: 125.974
Peer Avg: 332.881
#1075 of 1077 Bottom 0.3% in 100M-500M tier
1045
Total Members
engagement
Value: 4,913
Peer Avg: 15,628
#1045 of 1077 Bottom 3.1% in 100M-500M tier
1042
Asset Growth Rate
growth
Value: -5.31%
Peer Avg: 4.70%
#1042 of 1077 Bottom 3.3% in 100M-500M tier
1024
Efficiency Ratio
profitability
Value: 94.83%
Peer Avg: 77.28%
#1024 of 1077 Bottom 5.0% in 100M-500M tier
1003
Return on Assets (ROA)
profitability
Value: -0.01%
Peer Avg: 0.79%
#1003 of 1077 Bottom 7.0% in 100M-500M tier
935
Net Worth Ratio
risk
Value: 9.02%
Peer Avg: 12.15%
#935 of 1077 Bottom 13.3% in 100M-500M tier
880
Net Charge-Off Rate
risk
Value: 0.73%
Peer Avg: 0.47%
#880 of 1077 Bottom 18.4% in 100M-500M tier
816
Deposit Growth Rate
growth
Value: 0.76%
Peer Avg: 4.69%
#816 of 1077 Bottom 24.3% in 100M-500M tier