TRIBE
Charter #24960 | MN
<100M
(2596 CUs)
Micro
($0-$500M)
38 <100M in MN
TRIBE has 5 strengths but faces 17 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 46.02% above tier average
- + Efficiency Ratio: Top 0.0% in tier
- + Fee Income Per Member: Top 0.0% in tier
- + Asset Growth Rate: Top 0.0% in tier
- + Net Worth Ratio: Top 0.1% in tier
Key Concerns
Areas that may need attention
- - Loan Growth Rate: Bottom 0.0% in tier
- - Deposit Growth Rate: Bottom 0.0% in tier
- - AMR Growth Rate: Bottom 0.0% in tier
- - Total Delinquency Rate (60+ days): Bottom 0.0% in tier
- - Net Charge-Off Rate: Bottom 0.0% in tier
- - Loan-to-Share Ratio: Bottom 0.0% in tier
- - Indirect Auto Concentration (%): Bottom 0.0% in tier
- - First Mortgage Concentration (%): Bottom 0.0% in tier
- - Share Certificate Concentration (%): Bottom 0.0% in tier
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Average Member Relationship (AMR): Bottom 0.2% in tier
- - Total Members: Bottom 0.2% in tier
- - Total Deposits: Bottom 0.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 0.5% in tier
- - Total Loans: Bottom 0.5% in tier
- - Net Interest Margin (NIM): Bottom 2.5% in tier
- - Total Assets: Bottom 3.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1
0% YoY0% QoQ
|
-2.6K |
2,625
-2.2% YoY
|
26,738
+5.8% YoY
|
33,089
+6.1% YoY
|
Bottom 0.0% in tier |
| Assets |
$599,179
+383.5% YoY+27.3% QoQ
|
$-29.3M |
$29.9M
+1.1% YoY
|
$521.2M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
Bottom 3.7% in tier |
| Loans | $0.0 | $-15.8M |
$15.8M
-2.4% YoY
|
$373.7M
+9.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 0.0% in tier |
| Deposits | $0.0 | $-25.5M |
$25.5M
+0.4% YoY
|
$429.0M
+9.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 0.0% in tier |
| ROA |
46.7%
-1684.3% YoY-43.2% QoQ
|
+46.0% |
0.7%
-731.4% YoY
|
1.4%
-35.4% YoY
|
0.7%
+273.4% YoY
|
Top 0.0% in tier |
| NIM |
1.7%
+45.3% QoQ
|
-2.2% |
3.9%
+3.8% YoY
|
3.7%
+9.1% YoY
|
3.7%
+5.0% YoY
|
Bottom 2.4% in tier |
| Efficiency Ratio |
3.4%
+1364.2% QoQ
|
-78.0% |
81.4%
-2.4% YoY
|
74.2%
-2.5% YoY
|
79.1%
-3.3% YoY
|
Bottom 0.0% in tier |
| Delinquency Rate | - | - |
1.5%
-2.0% YoY
|
0.9%
+10.7% YoY
|
1.2%
-0.9% YoY
|
- |
| Loan To Share | - | - |
61.2%
-3.0% YoY
|
77.1%
-1.5% YoY
|
68.0%
-1.7% YoY
|
- |
| AMR | $0.0 | $-15K |
$14,627
-2.7% YoY
|
$23,275
+3.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 0.0% in tier |
| CD Concentration | - | - |
24.4%
+4.2% YoY
|
22.0%
+1.9% YoY
|
19.6%
+6.2% YoY
|
- |
| Indirect Auto % | - | - |
14.0%
-5.8% YoY
|
6.6%
-8.5% YoY
|
7.9%
-2.9% YoY
|
- |
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 (5 metrics)
1
Return on Assets (ROA)
profitability
Value:
46.70%
Peer Avg: 0.68%
#1 of 2596
Top 0.0% in <100M tier
1
Efficiency Ratio
profitability
Value:
3.37%
Peer Avg: 81.39%
#1 of 2596
Top 0.0% in <100M tier
1
Fee Income Per Member
profitability
Value:
$249,347
Peer Avg: $182.96
#1 of 2596
Top 0.0% in <100M tier
1
Asset Growth Rate
growth
Value:
383.50%
Peer Avg: 1.82%
#1 of 2596
Top 0.0% in <100M tier
3
Net Worth Ratio
risk
Value:
99.84%
Peer Avg: 16.43%
#3 of 2596
Top 0.1% in <100M tier
Top Weaknesses (17 metrics)
2596
Loan Growth Rate
growth
Value:
-
Peer Avg: 59.01%
#2596 of 2596
Bottom 0.0% in <100M tier
2596
Deposit Growth Rate
growth
Value:
-
Peer Avg: 16.80%
#2596 of 2596
Bottom 0.0% in <100M tier
2596
AMR Growth Rate
growth
Value:
-
Peer Avg: 4.67%
#2596 of 2596
Bottom 0.0% in <100M tier
2596
Total Delinquency Rate (60+ days)
risk
Value:
-
Peer Avg: 1.51%
#2596 of 2596
Bottom 0.0% in <100M tier
2596
Net Charge-Off Rate
risk
Value:
-
Peer Avg: 0.57%
#2596 of 2596
Bottom 0.0% in <100M tier
2596
Loan-to-Share Ratio
balance_sheet
Value:
-
Peer Avg: 61.23%
#2596 of 2596
Bottom 0.0% in <100M tier
2596
Indirect Auto Concentration (%)
balance_sheet
Value:
-
Peer Avg: 2.84%
#2596 of 2596
Bottom 0.0% in <100M tier
2596
First Mortgage Concentration (%)
balance_sheet
Value:
-
Peer Avg: 14.49%
#2596 of 2596
Bottom 0.0% in <100M tier
2596
Share Certificate Concentration (%)
balance_sheet
Value:
-
Peer Avg: 15.37%
#2596 of 2596
Bottom 0.0% in <100M tier
2596
Members Per Employee (MPE)
engagement
Value:
-
Peer Avg: 365.701
#2596 of 2596
Bottom 0.0% in <100M tier