ZIEGLER
Charter #5781 | MN
<100M
(2596 CUs)
Micro
($0-$500M)
38 <100M in MN
ZIEGLER has 6 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.18% above tier average
- + Net Interest Margin 0.18% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 2.9% in tier
Key Concerns
Areas that may need attention
- - Deposit Growth Rate: Bottom 2.9% in tier
- - Fee Income Per Member: Bottom 4.4% in tier
- - Asset Growth Rate: Bottom 4.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
705
-1.8% YoY-0.7% QoQ
|
-1.9K |
2,625
-2.2% YoY
|
26,738
+5.8% YoY
|
33,089
+6.1% YoY
|
Bottom 19.9% in tier |
| Assets |
$4.4M
-10.9% YoY+0.5% QoQ
|
$-25.5M |
$29.9M
+1.1% YoY
|
$521.2M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
Bottom 17.2% in tier |
| Loans |
$2.6M
+0.8% YoY-2.7% QoQ
|
$-13.1M |
$15.8M
-2.4% YoY
|
$373.7M
+9.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 21.4% in tier |
| Deposits |
$3.2M
-15.2% YoY+0.2% QoQ
|
$-22.2M |
$25.5M
+0.4% YoY
|
$429.0M
+9.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 17.0% in tier |
| ROA |
1.9%
-35.3% YoY-4.2% QoQ
|
+1.2% |
0.7%
-731.4% YoY
|
1.4%
-35.4% YoY
|
0.7%
+273.4% YoY
|
Top 11.7% in tier |
| NIM |
4.1%
-8.5% YoY+1.4% QoQ
|
+0.2% |
3.9%
+3.8% YoY
|
3.7%
+9.1% YoY
|
3.7%
+5.0% YoY
|
59th in tier |
| Efficiency Ratio |
43.1%
+34.0% YoY-1.4% QoQ
|
-38.3% |
81.4%
-2.4% YoY
|
74.2%
-2.5% YoY
|
79.1%
-3.3% YoY
|
Bottom 2.9% in tier |
| Delinquency Rate |
1.1%
+5662.0% YoY+7.6% QoQ
|
-0.4 |
1.5%
-2.0% YoY
|
0.9%
+10.7% YoY
|
1.2%
-0.9% YoY
|
65th in tier |
| Loan To Share |
81.0%
+18.8% YoY-2.9% QoQ
|
+19.8% |
61.2%
-3.0% YoY
|
77.1%
-1.5% YoY
|
68.0%
-1.7% YoY
|
Top 21.3% in tier |
| AMR |
$8,327
-7.0% YoY-0.5% QoQ
|
$-6K |
$14,627
-2.7% YoY
|
$23,275
+3.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 21.1% in tier |
| CD Concentration | 0.0% | -24.4% |
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 (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
77
Efficiency Ratio
profitability
Value:
43.06%
Peer Avg: 81.39%
#77 of 2596
Top 2.9% in <100M tier
268
Net Worth Ratio
risk
Value:
25.68%
Peer Avg: 16.43%
#268 of 2596
Top 10.3% in <100M tier
304
Return on Assets (ROA)
profitability
Value:
1.86%
Peer Avg: 0.68%
#304 of 2596
Top 11.7% in <100M tier
549
Loan-to-Share Ratio
balance_sheet
Value:
81.03%
Peer Avg: 61.23%
#549 of 2596
Top 21.1% in <100M tier
Top Weaknesses (9 metrics)
2522
Deposit Growth Rate
growth
Value:
-15.20%
Peer Avg: 16.80%
#2522 of 2596
Bottom 2.9% in <100M tier
2482
Fee Income Per Member
profitability
Value:
$0.04
Peer Avg: $182.96
#2482 of 2596
Bottom 4.4% in <100M tier
2481
Asset Growth Rate
growth
Value:
-10.86%
Peer Avg: 1.82%
#2481 of 2596
Bottom 4.5% in <100M tier
2274
AMR Growth Rate
growth
Value:
-7.04%
Peer Avg: 4.67%
#2274 of 2596
Bottom 12.4% in <100M tier
2155
Total Deposits
balance_sheet
Value:
$3.24M
Peer Avg: $25.45M
#2155 of 2596
Bottom 17.0% in <100M tier
2150
Total Assets
balance_sheet
Value:
$4.37M
Peer Avg: $29.86M
#2150 of 2596
Bottom 17.2% in <100M tier
2078
Total Members
engagement
Value:
705
Peer Avg: 2,626
#2078 of 2596
Bottom 20.0% in <100M tier
2049
Average Member Relationship (AMR)
engagement
Value:
$8,327
Peer Avg: $14,627
#2049 of 2596
Bottom 21.1% in <100M tier
2041
Total Loans
balance_sheet
Value:
$2.63M
Peer Avg: $15.77M
#2041 of 2596
Bottom 21.4% in <100M tier