MEMBERS COOPERATIVE

Charter #60216 | MN

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

MEMBERS COOPERATIVE has 3 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 13.4% in tier
  • + Organic Growth Leader: Top 14.8% in tier
  • + Organic Growth Engine: Top 19.1% in tier

Key Concerns

Areas that may need attention

  • - Shrinking Wallet Share: Bottom 12.9% in tier
  • - Liquidity Strain: Bottom 18.5% in tier
  • - ROA 0.15% below tier average
  • - Efficiency ratio 1.34% above tier (higher cost structure)
  • - Delinquency rate 0.71% above tier average

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Members 58,339
+4.4% YoY+1.2% QoQ
 -40.3K 98,678
-1.9% YoY
 26,738
+5.8% YoY
 33,089
+6.1% YoY
 Bottom 12.2% in tier
Assets $1.2B
+1.8% YoY+0.8% QoQ
 $-556.8M $1.7B
+0.5% YoY
 $521.2M
+7.2% YoY
 $547.7M
+7.8% YoY
 Bottom 19.1% in tier
Loans $939.7M
+1.6% YoY+0.4% QoQ
 $-293.3M $1.2B
+0.5% YoY
 $373.7M
+9.3% YoY
 $388.7M
+8.6% YoY
 31st in tier
Deposits $946.7M
+1.4% YoY+0.9% QoQ
 $-507.6M $1.5B
+1.3% YoY
 $429.0M
+9.5% YoY
 $464.6M
+9.3% YoY
 Bottom 13.5% in tier
ROA 0.6%
+43.5% YoY+40.8% QoQ
 -0.1% 0.7%
+13.4% YoY
 1.4%
-35.4% YoY
 0.7%
+273.4% YoY
 40th in tier
NIM 3.2%
+13.7% YoY+2.0% QoQ
 -0.1% 3.3%
+9.3% YoY
 3.7%
+9.1% YoY
 3.7%
+5.0% YoY
 41st in tier
Efficiency Ratio 75.3%
-7.3% YoY-0.2% QoQ
 +1.3% 74.0%
-10.9% YoY
 74.2%
-2.5% YoY
 79.1%
-3.3% YoY
 54th in tier
Delinquency Rate 1.5%
-4.5% YoY+13.0% QoQ
 +0.7 0.8%
+6.1% YoY
 0.9%
+10.7% YoY
 1.2%
-0.9% YoY
 Top 10.9% in tier
Loan To Share 99.3%
+0.2% YoY-0.4% QoQ
 +14.1% 85.2%
-0.8% YoY
 77.1%
-1.5% YoY
 68.0%
-1.7% YoY
 Top 16.1% in tier
AMR $32,336
-2.8% YoY-0.5% QoQ
 +$3K $29,172
+2.8% YoY
 $23,275
+3.9% YoY
 $19,418
+1.3% YoY
 75th in tier
CD Concentration 30.0%
+0.2% YoY+3.0% QoQ
 +1.0% 29.0%
+0.8% YoY
 22.0%
+1.9% YoY
 19.6%
+6.2% YoY
 56th in tier
Indirect Auto % 10.4%
-16.0% YoY-1.9% QoQ
 -8.4% 18.8%
-2.8% YoY
 6.6%
-8.5% YoY
 7.9%
-2.9% YoY
 36th in tier

Signature Analysis

Strengths (3)

Emerging Performer

growth
#72 of 184 • Top 13.4% in tier

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

Why This Signature
Return on Assets: 0.56%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): 4.45%
(Tier: 3.18%, National: 9.37%)
better than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | Rank improving

Organic Growth Leader

growth
#59 of 138 • Top 14.8% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 4.45%
(Tier: 3.18%, National: 9.37%)
better than tier avg
138 of 380 Mid-Market CUs have this signature | 608 nationally
↑ Growing +11 CUs YoY | Rank worsening

Organic Growth Engine

growth
#139 of 246 • Top 19.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 4.45%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 0.56%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 10.35%
(Tier: 18.80%, National: 7.90%)
better than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY

Concerns (2)

Shrinking Wallet Share

decline
#40 of 83 • Bottom 12.9% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -2.83%
(Tier: 3.04%, National: 4.19%)
worse than tier avg
83 of 380 Mid-Market CUs have this signature | 346 nationally
↓ Shrinking -55 CUs YoY | Rank worsening

Liquidity Strain

risk
#98 of 183 • Bottom 18.5% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 99.26%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 1.61%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY | Rank worsening

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 (6 metrics)

49
Loan-to-Share Ratio
balance_sheet
Value: 99.26%
Peer Avg: 85.19%
#49 of 304 Top 15.8% in 1B-3B tier
50
Loan-to-Member Ratio (LMR)
engagement
Value: $16,108
Peer Avg: $13,213
#50 of 304 Top 16.1% in 1B-3B tier
53
Net Charge-Off Rate
risk
Value: 0.24%
Peer Avg: 0.60%
#53 of 304 Top 17.1% in 1B-3B tier
69
Fee Income Per Member
profitability
Value: $255.42
Peer Avg: $210.52
#69 of 304 Top 22.4% in 1B-3B tier
77
Member Growth Rate
growth
Value: 4.45%
Peer Avg: 2.20%
#77 of 304 Top 25.0% in 1B-3B tier
77
Average Member Relationship (AMR)
engagement
Value: $32,336
Peer Avg: $29,172
#77 of 304 Top 25.0% in 1B-3B tier

Top Weaknesses (7 metrics)

274
AMR Growth Rate
growth
Value: -2.83%
Peer Avg: 3.29%
#274 of 304 Bottom 10.2% in 1B-3B tier
272
Total Delinquency Rate (60+ days)
risk
Value: 1.53%
Peer Avg: 0.83%
#272 of 304 Bottom 10.9% in 1B-3B tier
267
Total Members
engagement
Value: 58,339
Peer Avg: 98,678
#267 of 304 Bottom 12.5% in 1B-3B tier
263
Total Deposits
balance_sheet
Value: $946.71M
Peer Avg: $1.45B
#263 of 304 Bottom 13.8% in 1B-3B tier
255
Members Per Employee (MPE)
engagement
Value: 287.384
Peer Avg: 364.953
#255 of 304 Bottom 16.4% in 1B-3B tier
246
Total Assets
balance_sheet
Value: $1.16B
Peer Avg: $1.72B
#246 of 304 Bottom 19.4% in 1B-3B tier
236
Deposit Growth Rate
growth
Value: 1.38%
Peer Avg: 5.58%
#236 of 304 Bottom 22.7% in 1B-3B tier