EMBARRASS VERMILLION
Charter #4708 | MN
<100M
(2596 CUs)
Micro
($0-$500M)
38 <100M in MN
EMBARRASS VERMILLION has 7 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.02% above tier average
- + Net Interest Margin 0.74% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Loans: Top 5.2% in tier
- + Loan-to-Member Ratio (LMR): Top 6.9% in tier
- + Loan-to-Share Ratio: Top 9.2% in tier
- + Asset Growth Rate: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.42% above tier average
- - First Mortgage Concentration (%): Bottom 8.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,856
+1.3% YoY+0.5% QoQ
|
+2.2K |
2,625
-2.2% YoY
|
26,738
+5.8% YoY
|
33,089
+6.1% YoY
|
Top 15.2% in tier |
| Assets |
$65.8M
+9.5% YoY+1.0% QoQ
|
+$35.9M |
$29.9M
+1.1% YoY
|
$521.2M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
Top 14.0% in tier |
| Loans |
$50.7M
+10.0% YoY+1.8% QoQ
|
+$34.9M |
$15.8M
-2.4% YoY
|
$373.7M
+9.3% YoY
|
$388.7M
+8.6% YoY
|
Top 5.2% in tier |
| Deposits |
$55.1M
+8.7% YoY+0.8% QoQ
|
+$29.6M |
$25.5M
+0.4% YoY
|
$429.0M
+9.5% YoY
|
$464.6M
+9.3% YoY
|
Top 15.1% in tier |
| ROA |
1.7%
-21.9% YoY+10.2% QoQ
|
+1.0% |
0.7%
-731.4% YoY
|
1.4%
-35.4% YoY
|
0.7%
+273.4% YoY
|
Top 14.6% in tier |
| NIM |
4.7%
-11.3% YoY+1.5% QoQ
|
+0.7% |
3.9%
+3.8% YoY
|
3.7%
+9.1% YoY
|
3.7%
+5.0% YoY
|
Top 21.5% in tier |
| Efficiency Ratio |
64.4%
+7.8% YoY-3.2% QoQ
|
-17.0% |
81.4%
-2.4% YoY
|
74.2%
-2.5% YoY
|
79.1%
-3.3% YoY
|
Bottom 20.6% in tier |
| Delinquency Rate |
1.9%
+34.2% YoY+26.0% QoQ
|
+0.4 |
1.5%
-2.0% YoY
|
0.9%
+10.7% YoY
|
1.2%
-0.9% YoY
|
Top 21.2% in tier |
| Loan To Share |
92.1%
+1.2% YoY+1.0% QoQ
|
+30.9% |
61.2%
-3.0% YoY
|
77.1%
-1.5% YoY
|
68.0%
-1.7% YoY
|
Top 9.4% in tier |
| AMR |
$21,786
+8.0% YoY+0.8% QoQ
|
+$7K |
$14,627
-2.7% YoY
|
$23,275
+3.9% YoY
|
$19,418
+1.3% YoY
|
Top 14.8% in tier |
| CD Concentration |
18.0%
+121.4% YoY+5.7% QoQ
|
-6.4% |
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 (17 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
136
Total Loans
balance_sheet
Value:
$50.72M
Peer Avg: $15.77M
#136 of 2596
Top 5.2% in <100M tier
180
Loan-to-Member Ratio (LMR)
engagement
Value:
$10,444
Peer Avg: $5,488
#180 of 2596
Top 6.9% in <100M tier
239
Loan-to-Share Ratio
balance_sheet
Value:
92.09%
Peer Avg: 61.23%
#239 of 2596
Top 9.2% in <100M tier
248
Asset Growth Rate
growth
Value:
9.46%
Peer Avg: 1.82%
#248 of 2596
Top 9.5% in <100M tier
279
Loan Growth Rate
growth
Value:
10.03%
Peer Avg: 59.01%
#279 of 2596
Top 10.7% in <100M tier
300
Deposit Growth Rate
growth
Value:
8.73%
Peer Avg: 16.80%
#300 of 2596
Top 11.5% in <100M tier
363
Total Assets
balance_sheet
Value:
$65.77M
Peer Avg: $29.86M
#363 of 2596
Top 13.9% in <100M tier
367
AMR Growth Rate
growth
Value:
8.00%
Peer Avg: 4.67%
#367 of 2596
Top 14.1% in <100M tier
379
Return on Assets (ROA)
profitability
Value:
1.70%
Peer Avg: 0.68%
#379 of 2596
Top 14.6% in <100M tier
Top Weaknesses (3 metrics)
2367
First Mortgage Concentration (%)
balance_sheet
Value:
47.65%
Peer Avg: 14.49%
#2367 of 2596
Bottom 8.9% in <100M tier
2046
Total Delinquency Rate (60+ days)
risk
Value:
1.93%
Peer Avg: 1.51%
#2046 of 2596
Bottom 21.2% in <100M tier
2001
Net Charge-Off Rate
risk
Value:
0.68%
Peer Avg: 0.57%
#2001 of 2596
Bottom 23.0% in <100M tier