GREATER COMMUNITY
Charter #61624 | MN
100M-500M
(1077 CUs)
Micro
($0-$500M)
31 100M-500M in MN
GREATER COMMUNITY has 8 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 12.7% in tier
- + Organic Growth Leader: Top 29.9% in tier
- + ROA 0.85% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 0.9% in tier
- + Net Worth Ratio: Top 2.4% in tier
- + Average Member Relationship (AMR): Top 4.0% in tier
- + Loan-to-Member Ratio (LMR): Top 4.4% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 6.3% in tier
- - Margin Compression: Bottom 13.6% in tier
- - Credit Quality Pressure: Bottom 20.5% in tier
- - Shrinking Wallet Share: Bottom 21.2% in tier
- - Flatlined Growth: Bottom 39.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,662
+0.8% YoY+0.5% QoQ
|
-7.0K |
15,628
-3.4% YoY
|
26,738
+5.8% YoY
|
33,089
+6.1% YoY
|
Bottom 20.4% in tier |
| Assets |
$277.2M
+1.5% YoY-0.2% QoQ
|
+$45.9M |
$231.3M
-0.0% YoY
|
$521.2M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
70th in tier |
| Loans |
$163.4M
-0.0% YoY-0.4% QoQ
|
+$15.6M |
$147.8M
-1.4% YoY
|
$373.7M
+9.3% YoY
|
$388.7M
+8.6% YoY
|
66th in tier |
| Deposits |
$219.3M
-0.3% YoY-0.8% QoQ
|
+$19.0M |
$200.3M
-0.0% YoY
|
$429.0M
+9.5% YoY
|
$464.6M
+9.3% YoY
|
64th in tier |
| ROA |
1.6%
-7.7% YoY+3.2% QoQ
|
+0.9% |
0.8%
+15.5% YoY
|
1.4%
-35.4% YoY
|
0.7%
+273.4% YoY
|
Top 8.4% in tier |
| NIM |
2.9%
-2.3% YoY+2.8% QoQ
|
-0.7% |
3.6%
+6.9% YoY
|
3.7%
+9.1% YoY
|
3.7%
+5.0% YoY
|
Bottom 14.2% in tier |
| Efficiency Ratio |
45.7%
+7.9% YoY-0.9% QoQ
|
-31.6% |
77.3%
-3.0% YoY
|
74.2%
-2.5% YoY
|
79.1%
-3.3% YoY
|
Bottom 0.9% in tier |
| Delinquency Rate |
0.5%
+19.8% YoY-21.0% QoQ
|
-0.3 |
0.9%
+7.6% YoY
|
0.9%
+10.7% YoY
|
1.2%
-0.9% YoY
|
40th in tier |
| Loan To Share |
74.5%
+0.3% YoY+0.4% QoQ
|
+1.8% |
72.7%
-1.5% YoY
|
77.1%
-1.5% YoY
|
68.0%
-1.7% YoY
|
51st in tier |
| AMR |
$44,181
-1.0% YoY-1.2% QoQ
|
+$20K |
$24,363
+2.9% YoY
|
$23,275
+3.9% YoY
|
$19,418
+1.3% YoY
|
Top 4.1% in tier |
| CD Concentration |
35.8%
+0.8% YoY-0.3% QoQ
|
+11.4% |
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 (2)
Organic Growth Engine
growth
#234 of 603 • Top 12.7% in tier
Growing membership while maintaining profitability. Healthy fundamentals in place.
Why This Signature
Member Growth (YoY):
0.77%
(Tier:
0.88%, National:
9.37%)
Return on Assets:
1.64%
(Tier:
0.77%, National:
0.71%)
Indirect Auto %:
0.00%
(Tier:
13.96%, National:
7.90%)
603 of 1077 Community CUs have this signature
| 917 nationally
→ Stable (608→603 CUs)
-5 CUs YoY
|
New qualifier
Organic Growth Leader
growth
#395 of 430 • Top 29.9% in tier
Attracting members without relying on indirect channels. Healthy, sustainable growth model.
Why This Signature
Member Growth (YoY):
0.77%
(Tier:
0.88%, National:
9.37%)
430 of 1077 Community CUs have this signature
| 608 nationally
↓ Shrinking
-21 CUs YoY
|
New qualifier
Concerns (5)
Liquidity Overhang
risk
#98 of 552 • Bottom 6.3% 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:
20.85%
(Tier:
11.95%, National:
14.51%)
Loan-to-Share Ratio:
74.51%
(Tier:
74.56%, National:
67.96%)
552 of 1077 Community CUs have this signature
| 691 nationally
↑ Growing
+65 CUs YoY
|
Rank worsening
Margin Compression
decline
#58 of 136 • Bottom 13.6% in tier
Strong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.
Why This Signature
Return on Assets:
1.64%
(Tier:
0.77%, National:
0.71%)
ROA Change (YoY):
-0.14% points
(Tier:
0.11% points, National:
0.05% points)
Total Assets:
$277.21M
(Tier: $231.30M, National: $547.69M)
136 of 1077 Community CUs have this signature
| 169 nationally
↓ Shrinking
-43 CUs YoY
|
Rank worsening
Credit Quality Pressure
risk
#507 of 736 • Bottom 20.5% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
0.09% points
(Tier:
0.04% points, National:
0.07% points)
736 of 1077 Community CUs have this signature
| 1002 nationally
↓ Shrinking
-199 CUs YoY
|
New qualifier
Shrinking Wallet Share
decline
#212 of 244 • Bottom 21.2% in tier
Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Why This Signature
AMR Growth (YoY):
-0.95%
(Tier:
3.68%, National:
4.19%)
244 of 1077 Community CUs have this signature
| 346 nationally
↓ Shrinking
-221 CUs YoY
|
New qualifier
Flatlined Growth
risk
#42 of 58 • Bottom 39.8% in tier
Asset growth has flattened despite healthy profitability. May indicate a need to reassess growth strategy.
Why This Signature
Total Assets:
$277.21M
(Tier: $231.30M, National: $547.69M)
Asset Growth (YoY):
1.46%
(Tier:
4.61%, National:
3.04%)
Return on Assets:
1.64%
(Tier:
0.77%, National:
0.71%)
58 of 1077 Community CUs have this signature
| 82 nationally
↑ Growing
+10 CUs YoY
|
New qualifier
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: 13.34%
#1 of 1077
Top 0.0% in 100M-500M tier
11
Efficiency Ratio
profitability
Value:
45.67%
Peer Avg: 77.28%
#11 of 1077
Top 0.9% in 100M-500M tier
27
Net Worth Ratio
risk
Value:
20.85%
Peer Avg: 12.15%
#27 of 1077
Top 2.4% in 100M-500M tier
44
Average Member Relationship (AMR)
engagement
Value:
$44,181
Peer Avg: $24,363
#44 of 1077
Top 4.0% in 100M-500M tier
48
Loan-to-Member Ratio (LMR)
engagement
Value:
$18,865
Peer Avg: $10,245
#48 of 1077
Top 4.4% in 100M-500M tier
91
Return on Assets (ROA)
profitability
Value:
1.64%
Peer Avg: 0.79%
#91 of 1077
Top 8.4% in 100M-500M tier
164
First Mortgage Concentration (%)
balance_sheet
Value:
12.16%
Peer Avg: 30.43%
#164 of 1077
Top 15.1% in 100M-500M tier
Top Weaknesses (6 metrics)
969
Fee Income Per Member
profitability
Value:
$86.87
Peer Avg: $174.31
#969 of 1077
Bottom 10.1% in 100M-500M tier
934
Share Certificate Concentration (%)
balance_sheet
Value:
35.81%
Peer Avg: 23.61%
#934 of 1077
Bottom 13.4% in 100M-500M tier
924
Net Interest Margin (NIM)
profitability
Value:
2.86%
Peer Avg: 3.58%
#924 of 1077
Bottom 14.3% in 100M-500M tier
904
AMR Growth Rate
growth
Value:
-0.95%
Peer Avg: 3.64%
#904 of 1077
Bottom 16.2% in 100M-500M tier
893
Deposit Growth Rate
growth
Value:
-0.31%
Peer Avg: 4.69%
#893 of 1077
Bottom 17.2% in 100M-500M tier
857
Total Members
engagement
Value:
8,662
Peer Avg: 15,628
#857 of 1077
Bottom 20.5% in 100M-500M tier