CARPENTERS
Charter #24676 | MN
<100M
(2596 CUs)
Micro
($0-$500M)
38 <100M in MN
CARPENTERS has 6 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.15% above tier average
- + Net Interest Margin 0.89% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Members: Top 0.1% in tier
- + Members Per Employee (MPE): Top 0.2% in tier
- + Net Charge-Off Rate: Top 2.8% in tier
Key Concerns
Areas that may need attention
- - Member decline: -6.2% YoY
- - Average Member Relationship (AMR): Bottom 5.8% in tier
- - Loan-to-Member Ratio (LMR): Bottom 7.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
15,594
-6.2% YoY-0.3% QoQ
|
+13.0K |
2,625
-2.2% YoY
|
26,738
+5.8% YoY
|
33,089
+6.1% YoY
|
Top 0.1% in tier |
| Assets |
$43.3M
+1.7% YoY+1.5% QoQ
|
+$13.5M |
$29.9M
+1.1% YoY
|
$521.2M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
73rd in tier |
| Loans |
$20.7M
+3.6% YoY+1.6% QoQ
|
+$4.9M |
$15.8M
-2.4% YoY
|
$373.7M
+9.3% YoY
|
$388.7M
+8.6% YoY
|
71st in tier |
| Deposits |
$37.1M
+0.2% YoY+1.5% QoQ
|
+$11.7M |
$25.5M
+0.4% YoY
|
$429.0M
+9.5% YoY
|
$464.6M
+9.3% YoY
|
73rd in tier |
| ROA |
1.8%
-20.2% YoY+24.0% QoQ
|
+1.1% |
0.7%
-731.4% YoY
|
1.4%
-35.4% YoY
|
0.7%
+273.4% YoY
|
Top 12.2% in tier |
| NIM |
4.8%
-2.0% YoY-0.4% QoQ
|
+0.9% |
3.9%
+3.8% YoY
|
3.7%
+9.1% YoY
|
3.7%
+5.0% YoY
|
Top 17.6% in tier |
| Efficiency Ratio |
76.8%
+19.4% YoY-5.2% QoQ
|
-4.6% |
81.4%
-2.4% YoY
|
74.2%
-2.5% YoY
|
79.1%
-3.3% YoY
|
46th in tier |
| Delinquency Rate |
0.6%
+11.5% YoY+112.1% QoQ
|
-0.9 |
1.5%
-2.0% YoY
|
0.9%
+10.7% YoY
|
1.2%
-0.9% YoY
|
46th in tier |
| Loan To Share |
55.8%
+3.4% YoY+0.0% QoQ
|
-5.5% |
61.2%
-3.0% YoY
|
77.1%
-1.5% YoY
|
68.0%
-1.7% YoY
|
42nd in tier |
| AMR |
$3,709
+8.1% YoY+1.9% QoQ
|
$-11K |
$14,627
-2.7% YoY
|
$23,275
+3.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 5.8% in tier |
| CD Concentration |
4.3%
+48.2% YoY+68.3% QoQ
|
-20.1% |
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 (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (8 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
3
Total Members
engagement
Value:
15,594
Peer Avg: 2,626
#3 of 2596
Top 0.1% in <100M tier
5
Members Per Employee (MPE)
engagement
Value:
1732.667
Peer Avg: 365.701
#5 of 2596
Top 0.2% in <100M tier
73
Net Charge-Off Rate
risk
Value:
-0.19%
Peer Avg: 0.57%
#73 of 2596
Top 2.8% in <100M tier
318
Return on Assets (ROA)
profitability
Value:
1.83%
Peer Avg: 0.68%
#318 of 2596
Top 12.2% in <100M tier
356
AMR Growth Rate
growth
Value:
8.07%
Peer Avg: 4.67%
#356 of 2596
Top 13.7% in <100M tier
458
Net Interest Margin (NIM)
profitability
Value:
4.82%
Peer Avg: 3.93%
#458 of 2596
Top 17.6% in <100M tier
649
Loan Growth Rate
growth
Value:
3.61%
Peer Avg: 59.01%
#649 of 2596
Top 25.0% in <100M tier
Top Weaknesses (3 metrics)
2446
Average Member Relationship (AMR)
engagement
Value:
$3,709
Peer Avg: $14,627
#2446 of 2596
Bottom 5.8% in <100M tier
2396
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,328
Peer Avg: $5,488
#2396 of 2596
Bottom 7.7% in <100M tier
2282
Member Growth Rate
growth
Value:
-6.15%
Peer Avg: 14.92%
#2282 of 2596
Bottom 12.1% in <100M tier