CITY & COUNTY

Charter #60255 | MN

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

CITY & COUNTY has 3 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 24.0% in tier
  • + Emerging Performer: Top 28.0% in tier
  • + Wallet Share Momentum: Top 34.9% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 3.3% in tier
  • - ROA 0.27% below tier average
  • - Efficiency ratio 7.92% above tier (higher cost structure)
  • - Total Loans: Bottom 6.6% in tier
  • - Asset Growth Rate: Bottom 7.2% in tier
  • - Fee Income Per Member: Bottom 8.6% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Members 62,303
+0.2% YoY+0.0% QoQ
 -36.4K 98,678
-1.9% YoY
 26,738
+5.8% YoY
 33,089
+6.1% YoY
 Bottom 16.4% in tier
Assets $1.2B
-3.7% YoY+1.0% QoQ
 $-552.5M $1.7B
+0.5% YoY
 $521.2M
+7.2% YoY
 $547.7M
+7.8% YoY
 Bottom 20.1% in tier
Loans $685.0M
-1.6% YoY-0.4% QoQ
 $-548.0M $1.2B
+0.5% YoY
 $373.7M
+9.3% YoY
 $388.7M
+8.6% YoY
 Bottom 6.2% in tier
Deposits $1.0B
+3.0% YoY+0.2% QoQ
 $-423.1M $1.5B
+1.3% YoY
 $429.0M
+9.5% YoY
 $464.6M
+9.3% YoY
 Bottom 22.0% in tier
ROA 0.4%
+2.2% YoY+18.1% QoQ
 -0.3% 0.7%
+13.4% YoY
 1.4%
-35.4% YoY
 0.7%
+273.4% YoY
 25th in tier
NIM 3.2%
+12.7% YoY+5.4% QoQ
 -0.0% 3.3%
+9.3% YoY
 3.7%
+9.1% YoY
 3.7%
+5.0% YoY
 46th in tier
Efficiency Ratio 81.9%
-1.7% YoY-2.7% QoQ
 +7.9% 74.0%
-10.9% YoY
 74.2%
-2.5% YoY
 79.1%
-3.3% YoY
 Top 18.1% in tier
Delinquency Rate 0.3%
-22.1% YoY+9.0% QoQ
 -0.5 0.8%
+6.1% YoY
 0.9%
+10.7% YoY
 1.2%
-0.9% YoY
 Bottom 11.5% in tier
Loan To Share 66.4%
-4.5% YoY-0.5% QoQ
 -18.8% 85.2%
-0.8% YoY
 77.1%
-1.5% YoY
 68.0%
-1.7% YoY
 Bottom 13.2% in tier
AMR $27,547
+0.9% YoY-0.1% QoQ
 $-2K $29,172
+2.8% YoY
 $23,275
+3.9% YoY
 $19,418
+1.3% YoY
 50th in tier
CD Concentration 24.2%
+8.6% YoY+2.9% QoQ
 -4.8% 29.0%
+0.8% YoY
 22.0%
+1.9% YoY
 19.6%
+6.2% YoY
 28th in tier
Indirect Auto % 10.3%
-25.5% YoY-7.6% QoQ
 -8.5% 18.8%
-2.8% YoY
 6.6%
-8.5% YoY
 7.9%
-2.9% YoY
 35th in tier

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth
#174 of 264 • Top 24.0% in tier

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

Why This Signature
AMR Growth (YoY): 0.90%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $3.8K
(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

Emerging Performer

growth
#149 of 184 • Top 28.0% in tier

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

Why This Signature
Return on Assets: 0.44%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): 0.19%
(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 | Rank worsening

Wallet Share Momentum

growth
#253 of 264 • Top 34.9% in tier

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

Why This Signature
AMR Growth (YoY): 0.90%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Concerns (1)

Efficiency Drag

risk
#12 of 96 • Bottom 3.3% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 81.89%
(Tier: 73.45%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.01% points
(Tier: 0.07% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): 0.19%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
96 of 380 Mid-Market CUs have this signature | 624 nationally
↓ Shrinking -32 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 (2 metrics)

36
Total Delinquency Rate (60+ days)
risk
Value: 0.28%
Peer Avg: 0.83%
#36 of 304 Top 11.5% in 1B-3B tier
65
Net Charge-Off Rate
risk
Value: 0.28%
Peer Avg: 0.60%
#65 of 304 Top 21.1% in 1B-3B tier

Top Weaknesses (10 metrics)

285
Total Loans
balance_sheet
Value: $685.04M
Peer Avg: $1.23B
#285 of 304 Bottom 6.6% in 1B-3B tier
283
Asset Growth Rate
growth
Value: -3.70%
Peer Avg: 4.83%
#283 of 304 Bottom 7.2% in 1B-3B tier
279
Fee Income Per Member
profitability
Value: $124.86
Peer Avg: $210.52
#279 of 304 Bottom 8.6% in 1B-3B tier
264
Loan-to-Share Ratio
balance_sheet
Value: 66.43%
Peer Avg: 85.19%
#264 of 304 Bottom 13.5% in 1B-3B tier
256
First Mortgage Concentration (%)
balance_sheet
Value: 48.39%
Peer Avg: 34.01%
#256 of 304 Bottom 16.1% in 1B-3B tier
255
Loan Growth Rate
growth
Value: -1.62%
Peer Avg: 5.27%
#255 of 304 Bottom 16.4% in 1B-3B tier
254
Total Members
engagement
Value: 62,303
Peer Avg: 98,678
#254 of 304 Bottom 16.8% in 1B-3B tier
250
Efficiency Ratio
profitability
Value: 81.89%
Peer Avg: 73.97%
#250 of 304 Bottom 18.1% in 1B-3B tier
243
Total Assets
balance_sheet
Value: $1.17B
Peer Avg: $1.72B
#243 of 304 Bottom 20.4% in 1B-3B tier
237
Total Deposits
balance_sheet
Value: $1.03B
Peer Avg: $1.45B
#237 of 304 Bottom 22.4% in 1B-3B tier