MINNESOTA POWER EMPLOYEES

Charter #60377 | MN

100M-500M (1077 CUs) Micro
31 100M-500M in MN

MINNESOTA POWER EMPLOYEES has 8 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 0.2% in tier
  • + Wallet Share Momentum: Top 1.7% in tier
  • + Emerging Performer: Top 24.1% in tier
  • + ROA 0.26% above tier average
  • + Loan-to-Member Ratio (LMR): Top 1.5% in tier
  • + Average Member Relationship (AMR): Top 2.3% in tier
  • + AMR Growth Rate: Top 3.6% in tier
  • + Loan-to-Share Ratio: Top 4.4% in tier

Key Concerns

Areas that may need attention

  • - Stagnation Risk: Bottom 0.6% in tier
  • - Growth-at-Risk: Bottom 3.2% in tier
  • - Liquidity Strain: Bottom 4.8% in tier
  • - Membership Headwinds: Bottom 8.3% in tier
  • - Credit Quality Pressure: Bottom 9.1% in tier
  • - Liquidity Overhang: Bottom 29.8% in tier
  • - Member decline: -4.5% YoY
  • - Total Members: Bottom 3.2% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Members 4,952
-4.5% YoY-0.8% QoQ
 -10.7K 15,628
-3.4% YoY
 26,738
+5.8% YoY
 33,089
+6.1% YoY
 Bottom 3.1% in tier
Assets $158.2M
+2.8% YoY+0.9% QoQ
 $-73.1M $231.3M
-0.0% YoY
 $521.2M
+7.2% YoY
 $547.7M
+7.8% YoY
 34th in tier
Loans $120.4M
+11.7% YoY+0.3% QoQ
 $-27.4M $147.8M
-1.4% YoY
 $373.7M
+9.3% YoY
 $388.7M
+8.6% YoY
 48th in tier
Deposits $122.6M
+7.2% YoY+0.4% QoQ
 $-77.7M $200.3M
-0.0% YoY
 $429.0M
+9.5% YoY
 $464.6M
+9.3% YoY
 27th in tier
ROA 1.1%
+5.5% YoY-17.2% QoQ
 +0.3% 0.8%
+15.5% YoY
 1.4%
-35.4% YoY
 0.7%
+273.4% YoY
 69th in tier
NIM 3.4%
+16.7% YoY+1.3% QoQ
 -0.2% 3.6%
+6.9% YoY
 3.7%
+9.1% YoY
 3.7%
+5.0% YoY
 38th in tier
Efficiency Ratio 62.6%
-7.8% YoY-3.9% QoQ
 -14.6% 77.3%
-3.0% YoY
 74.2%
-2.5% YoY
 79.1%
-3.3% YoY
 Bottom 11.3% in tier
Delinquency Rate 0.4%
+1155.9% YoY+76.0% QoQ
 -0.5 0.9%
+7.6% YoY
 0.9%
+10.7% YoY
 1.2%
-0.9% YoY
 Bottom 24.3% in tier
Loan To Share 98.2%
+4.2% YoY-0.0% QoQ
 +25.5% 72.7%
-1.5% YoY
 77.1%
-1.5% YoY
 68.0%
-1.7% YoY
 Top 4.5% in tier
AMR $49,073
+14.5% YoY+1.1% QoQ
 +$25K $24,363
+2.9% YoY
 $23,275
+3.9% YoY
 $19,418
+1.3% YoY
 Top 2.4% in tier
CD Concentration 23.4%
-6.5% YoY+11.1% QoQ
 -1.0% 24.4%
+4.2% YoY
 22.0%
+1.9% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 5.7%
-26.8% YoY-13.3% QoQ
 -8.3% 14.0%
-5.8% YoY
 6.6%
-8.5% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth
#7 of 1006 • Top 0.2% in tier

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

Why This Signature
AMR Growth (YoY): 14.53%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $4.4K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Wallet Share Momentum

growth
#49 of 1006 • Top 1.7% in tier

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

Why This Signature
AMR Growth (YoY): 14.53%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Emerging Performer

growth
#453 of 627 • Top 24.1% in tier

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

Why This Signature
Return on Assets: 1.05%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): -4.51%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank worsening

Concerns (6)

Stagnation Risk

risk
#11 of 550 • Bottom 0.6% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 1.05%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -4.51%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $49.1K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 23.40%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Growth-at-Risk

risk
#49 of 446 • Bottom 3.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 11.66%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.34% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 1077 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | New qualifier

Liquidity Strain

risk
#38 of 258 • Bottom 4.8% in tier

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

Why This Signature
Loan-to-Share Ratio: 98.22%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 11.66%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
258 of 1077 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | Rank improving

Membership Headwinds

decline
#137 of 550 • Bottom 8.3% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -4.51%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Credit Quality Pressure

risk
#227 of 736 • Bottom 9.1% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.34% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | New qualifier

Liquidity Overhang

risk
#462 of 552 • Bottom 29.8% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 13.93%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 98.22%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 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 1077 peers in tier

Top Strengths (11 metrics)

17
Loan-to-Member Ratio (LMR)
engagement
Value: $24,316
Peer Avg: $10,245
#17 of 1077 Top 1.5% in 100M-500M tier
26
Average Member Relationship (AMR)
engagement
Value: $49,073
Peer Avg: $24,363
#26 of 1077 Top 2.3% in 100M-500M tier
40
AMR Growth Rate
growth
Value: 14.53%
Peer Avg: 3.64%
#40 of 1077 Top 3.6% in 100M-500M tier
48
Loan-to-Share Ratio
balance_sheet
Value: 98.22%
Peer Avg: 72.70%
#48 of 1077 Top 4.4% in 100M-500M tier
121
Loan Growth Rate
growth
Value: 11.66%
Peer Avg: 3.45%
#121 of 1077 Top 11.1% in 100M-500M tier
123
Efficiency Ratio
profitability
Value: 62.63%
Peer Avg: 77.28%
#123 of 1077 Top 11.3% in 100M-500M tier
127
Net Charge-Off Rate
risk
Value: 0.07%
Peer Avg: 0.47%
#127 of 1077 Top 11.7% in 100M-500M tier
169
Fee Income Per Member
profitability
Value: $239.97
Peer Avg: $174.31
#169 of 1077 Top 15.6% in 100M-500M tier
239
Net Worth Ratio
risk
Value: 13.93%
Peer Avg: 12.15%
#239 of 1077 Top 22.1% in 100M-500M tier
251
Deposit Growth Rate
growth
Value: 7.20%
Peer Avg: 4.69%
#251 of 1077 Top 23.2% in 100M-500M tier

Top Weaknesses (3 metrics)

1044
Total Members
engagement
Value: 4,952
Peer Avg: 15,628
#1044 of 1077 Bottom 3.2% in 100M-500M tier
959
Member Growth Rate
growth
Value: -4.51%
Peer Avg: 0.72%
#959 of 1077 Bottom 11.0% in 100M-500M tier
896
Members Per Employee (MPE)
engagement
Value: 247.600
Peer Avg: 332.881
#896 of 1077 Bottom 16.9% in 100M-500M tier