NSP
Charter #62733 | MN
<100M
(2596 CUs)
Micro
($0-$500M)
38 <100M in MN
NSP faces 4 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 1.38% below tier average
- - Efficiency ratio 22.50% above tier (higher cost structure)
- - Member decline: -2.6% YoY
- - Indirect Auto Concentration (%): Bottom 4.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,731
-2.6% YoY-0.9% QoQ
|
+105 |
2,625
-2.2% YoY
|
26,738
+5.8% YoY
|
33,089
+6.1% YoY
|
63rd in tier |
| Assets |
$36.3M
-5.7% YoY-3.5% QoQ
|
+$6.4M |
$29.9M
+1.1% YoY
|
$521.2M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
66th in tier |
| Loans |
$20.2M
-6.1% YoY+0.4% QoQ
|
+$4.4M |
$15.8M
-2.4% YoY
|
$373.7M
+9.3% YoY
|
$388.7M
+8.6% YoY
|
70th in tier |
| Deposits |
$28.2M
-7.0% YoY-4.9% QoQ
|
+$2.7M |
$25.5M
+0.4% YoY
|
$429.0M
+9.5% YoY
|
$464.6M
+9.3% YoY
|
63rd in tier |
| ROA |
-0.7%
+93.9% YoY-38.8% QoQ
|
-1.4% |
0.7%
-731.4% YoY
|
1.4%
-35.4% YoY
|
0.7%
+273.4% YoY
|
Bottom 7.2% in tier |
| NIM |
3.7%
+3.9% YoY+5.9% QoQ
|
-0.2% |
3.9%
+3.8% YoY
|
3.7%
+9.1% YoY
|
3.7%
+5.0% YoY
|
42nd in tier |
| Efficiency Ratio |
103.9%
+5.1% YoY+4.2% QoQ
|
+22.5% |
81.4%
-2.4% YoY
|
74.2%
-2.5% YoY
|
79.1%
-3.3% YoY
|
Top 9.1% in tier |
| Delinquency Rate |
0.4%
-31.9% YoY-77.0% QoQ
|
-1.1 |
1.5%
-2.0% YoY
|
0.9%
+10.7% YoY
|
1.2%
-0.9% YoY
|
37th in tier |
| Loan To Share |
71.6%
+1.0% YoY+5.6% QoQ
|
+10.4% |
61.2%
-3.0% YoY
|
77.1%
-1.5% YoY
|
68.0%
-1.7% YoY
|
65th in tier |
| AMR |
$17,712
-4.2% YoY-1.9% QoQ
|
+$3K |
$14,627
-2.7% YoY
|
$23,275
+3.9% YoY
|
$19,418
+1.3% YoY
|
70th in tier |
| CD Concentration |
21.7%
-10.5% YoY-2.2% QoQ
|
-2.7% |
24.4%
+4.2% YoY
|
22.0%
+1.9% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % |
24.5%
-0.5% YoY-2.4% QoQ
|
+10.6% |
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 (3 metrics)
476
Fee Income Per Member
profitability
Value:
$136.12
Peer Avg: $182.96
#476 of 2596
Top 18.3% in <100M tier
527
Net Worth Ratio
risk
Value:
20.61%
Peer Avg: 16.43%
#527 of 2596
Top 20.3% in <100M tier
586
Loan-to-Member Ratio (LMR)
engagement
Value:
$7,393
Peer Avg: $5,488
#586 of 2596
Top 22.5% in <100M tier
Top Weaknesses (7 metrics)
2472
Indirect Auto Concentration (%)
balance_sheet
Value:
24.54%
Peer Avg: 2.84%
#2472 of 2596
Bottom 4.8% in <100M tier
2410
Return on Assets (ROA)
profitability
Value:
-0.70%
Peer Avg: 0.68%
#2410 of 2596
Bottom 7.2% in <100M tier
2361
Efficiency Ratio
profitability
Value:
103.90%
Peer Avg: 81.39%
#2361 of 2596
Bottom 9.1% in <100M tier
2284
Deposit Growth Rate
growth
Value:
-7.04%
Peer Avg: 16.80%
#2284 of 2596
Bottom 12.1% in <100M tier
2276
Asset Growth Rate
growth
Value:
-5.70%
Peer Avg: 1.82%
#2276 of 2596
Bottom 12.4% in <100M tier
2083
AMR Growth Rate
growth
Value:
-4.18%
Peer Avg: 4.67%
#2083 of 2596
Bottom 19.8% in <100M tier
1960
Net Charge-Off Rate
risk
Value:
0.63%
Peer Avg: 0.57%
#1960 of 2596
Bottom 24.5% in <100M tier