MAYO EMPLOYEES

Charter #24748 | MN

1B-3B (304 CUs) Mid-Market (380 CUs)
6 1B-3B in MN

MAYO EMPLOYEES has 9 strengths but faces 4 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 9.6% in tier
  • + Relationship Depth Leader: Top 17.0% in tier
  • + Wallet Share Momentum: Top 20.4% in tier
  • + ROA 0.83% above tier average
  • + Total Delinquency Rate (60+ days): Top 0.0% in tier
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Efficiency Ratio: Top 0.7% in tier
  • + Net Charge-Off Rate: Top 0.7% in tier
  • + Members Per Employee (MPE): Top 1.3% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 3.1% in tier
  • - Loan-to-Share Ratio: Bottom 3.9% in tier
  • - First Mortgage Concentration (%): Bottom 3.9% in tier
  • - Total Loans: Bottom 7.2% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Members 75,015
+0.5% YoY+0.6% QoQ
 -23.7K 98,678
-1.9% YoY
 26,738
+5.8% YoY
 33,089
+6.1% YoY
 33rd in tier
Assets $1.5B
+5.2% YoY+1.9% QoQ
 $-267.4M $1.7B
+0.5% YoY
 $521.2M
+7.2% YoY
 $547.7M
+7.8% YoY
 44th in tier
Loans $697.7M
+1.0% YoY+0.3% QoQ
 $-535.3M $1.2B
+0.5% YoY
 $373.7M
+9.3% YoY
 $388.7M
+8.6% YoY
 Bottom 6.9% in tier
Deposits $1.2B
+6.4% YoY+1.4% QoQ
 $-204.6M $1.5B
+1.3% YoY
 $429.0M
+9.5% YoY
 $464.6M
+9.3% YoY
 48th in tier
ROA 1.5%
+85.1% YoY+5.9% QoQ
 +0.8% 0.7%
+13.4% YoY
 1.4%
-35.4% YoY
 0.7%
+273.4% YoY
 Top 5.6% in tier
NIM 2.5%
+32.6% YoY+1.8% QoQ
 -0.8% 3.3%
+9.3% YoY
 3.7%
+9.1% YoY
 3.7%
+5.0% YoY
 Bottom 9.9% in tier
Efficiency Ratio 54.1%
-20.7% YoY-3.0% QoQ
 -19.9% 74.0%
-10.9% YoY
 74.2%
-2.5% YoY
 79.1%
-3.3% YoY
 Bottom 0.7% in tier
Delinquency Rate 0.0%
-56.0% YoY+19.0% QoQ
 -0.8 0.8%
+6.1% YoY
 0.9%
+10.7% YoY
 1.2%
-0.9% YoY
 Bottom 0.0% in tier
Loan To Share 55.8%
-5.0% YoY-1.0% QoQ
 -29.4% 85.2%
-0.8% YoY
 77.1%
-1.5% YoY
 68.0%
-1.7% YoY
 Bottom 3.6% in tier
AMR $25,960
+3.9% YoY+0.4% QoQ
 $-3K $29,172
+2.8% YoY
 $23,275
+3.9% YoY
 $19,418
+1.3% YoY
 40th in tier
CD Concentration 21.2%
+3.1% YoY+1.7% QoQ
 -7.8% 29.0%
+0.8% YoY
 22.0%
+1.9% YoY
 19.6%
+6.2% YoY
 Bottom 16.4% in tier
Indirect Auto % 0.0% -18.8% 18.8%
-2.8% YoY
 6.6%
-8.5% YoY
 7.9%
-2.9% YoY
 Bottom 0.0% in tier

Signature Analysis

Strengths (3)

Emerging Performer

growth
#52 of 184 • Top 9.6% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 1.53%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Member Growth (YoY): 0.48%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY

Relationship Depth Leader

growth
#124 of 264 • Top 17.0% in tier

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

Why This Signature
AMR Growth (YoY): 3.89%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.2K
(Tier: $3.1K, National: $2.0K)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Wallet Share Momentum

growth
#148 of 264 • Top 20.4% in tier

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

Why This Signature
AMR Growth (YoY): 3.89%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Concerns (1)

Liquidity Overhang

risk
#11 of 113 • Bottom 3.1% 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: 14.07%
(Tier: 11.30%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 55.83%
(Tier: 86.35%, National: 67.96%)
worse than tier avg
113 of 380 Mid-Market CUs have this signature | 691 nationally
↑ Growing +9 CUs YoY | Rank improving

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 304 peers in tier

Top Strengths (8 metrics)

1
Total Delinquency Rate (60+ days)
risk
Value: 0.03%
Peer Avg: 0.83%
#1 of 304 Top 0.0% in 1B-3B tier
1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 18.32%
#1 of 304 Top 0.0% in 1B-3B tier
3
Efficiency Ratio
profitability
Value: 54.08%
Peer Avg: 73.97%
#3 of 304 Top 0.7% in 1B-3B tier
3
Net Charge-Off Rate
risk
Value: 0.03%
Peer Avg: 0.60%
#3 of 304 Top 0.7% in 1B-3B tier
5
Members Per Employee (MPE)
engagement
Value: 590.669
Peer Avg: 364.953
#5 of 304 Top 1.3% in 1B-3B tier
17
Return on Assets (ROA)
profitability
Value: 1.53%
Peer Avg: 0.70%
#17 of 304 Top 5.3% in 1B-3B tier
35
Net Worth Ratio
risk
Value: 14.07%
Peer Avg: 11.44%
#35 of 304 Top 11.2% in 1B-3B tier
54
Share Certificate Concentration (%)
balance_sheet
Value: 21.20%
Peer Avg: 28.53%
#54 of 304 Top 17.4% in 1B-3B tier

Top Weaknesses (5 metrics)

293
Loan-to-Share Ratio
balance_sheet
Value: 55.83%
Peer Avg: 85.19%
#293 of 304 Bottom 3.9% in 1B-3B tier
293
First Mortgage Concentration (%)
balance_sheet
Value: 63.09%
Peer Avg: 34.01%
#293 of 304 Bottom 3.9% in 1B-3B tier
283
Total Loans
balance_sheet
Value: $697.71M
Peer Avg: $1.23B
#283 of 304 Bottom 7.2% in 1B-3B tier
274
Net Interest Margin (NIM)
profitability
Value: 2.49%
Peer Avg: 3.26%
#274 of 304 Bottom 10.2% in 1B-3B tier
266
Loan-to-Member Ratio (LMR)
engagement
Value: $9,301
Peer Avg: $13,213
#266 of 304 Bottom 12.8% in 1B-3B tier