IDEAL

Charter #62978 | MN

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

IDEAL has 4 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 6.2% in tier
  • + Wallet Share Momentum: Top 8.3% in tier
  • + Emerging Performer: Top 31.8% in tier
  • + Loan-to-Member Ratio (LMR): Top 9.5% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 20.2% in tier
  • - Efficiency Drag: Bottom 21.3% in tier
  • - Stagnation Risk: Bottom 22.6% in tier
  • - Membership Headwinds: Bottom 23.0% in tier
  • - ROA 0.35% below tier average
  • - Efficiency ratio 6.12% above tier (higher cost structure)
  • - Total Members: Bottom 5.6% in tier
  • - Total Deposits: Bottom 9.2% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Members 49,087
-1.7% YoY-0.6% QoQ
 -49.6K 98,678
-1.9% YoY
 26,738
+5.8% YoY
 33,089
+6.1% YoY
 Bottom 5.3% in tier
Assets $1.1B
+5.5% YoY+0.4% QoQ
 $-629.2M $1.7B
+0.5% YoY
 $521.2M
+7.2% YoY
 $547.7M
+7.8% YoY
 Bottom 10.5% in tier
Loans $874.9M
+4.1% YoY+0.5% QoQ
 $-358.1M $1.2B
+0.5% YoY
 $373.7M
+9.3% YoY
 $388.7M
+8.6% YoY
 Bottom 22.4% in tier
Deposits $914.3M
+7.3% YoY+1.1% QoQ
 $-540.0M $1.5B
+1.3% YoY
 $429.0M
+9.5% YoY
 $464.6M
+9.3% YoY
 Bottom 8.9% in tier
ROA 0.4%
-23.1% YoY-7.5% QoQ
 -0.4% 0.7%
+13.4% YoY
 1.4%
-35.4% YoY
 0.7%
+273.4% YoY
 Bottom 18.8% in tier
NIM 3.2%
+0.4% YoY+0.1% QoQ
 -0.0% 3.3%
+9.3% YoY
 3.7%
+9.1% YoY
 3.7%
+5.0% YoY
 47th in tier
Efficiency Ratio 80.1%
-0.3% YoY+0.5% QoQ
 +6.1% 74.0%
-10.9% YoY
 74.2%
-2.5% YoY
 79.1%
-3.3% YoY
 72nd in tier
Delinquency Rate 0.7%
-32.1% YoY+2.9% QoQ
 -0.1 0.8%
+6.1% YoY
 0.9%
+10.7% YoY
 1.2%
-0.9% YoY
 51st in tier
Loan To Share 95.7%
-3.0% YoY-0.6% QoQ
 +10.5% 85.2%
-0.8% YoY
 77.1%
-1.5% YoY
 68.0%
-1.7% YoY
 Top 22.7% in tier
AMR $36,450
+7.5% YoY+1.4% QoQ
 +$7K $29,172
+2.8% YoY
 $23,275
+3.9% YoY
 $19,418
+1.3% YoY
 Top 12.8% in tier
CD Concentration 25.5%
+3.4% YoY+1.8% QoQ
 -3.5% 29.0%
+0.8% YoY
 22.0%
+1.9% YoY
 19.6%
+6.2% YoY
 35th in tier
Indirect Auto % 9.4%
-12.3% YoY-1.4% QoQ
 -9.4% 18.8%
-2.8% YoY
 6.6%
-8.5% YoY
 7.9%
-2.9% YoY
 34th in tier

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth
#46 of 264 • Top 6.2% in tier

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

Why This Signature
AMR Growth (YoY): 7.54%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.2K
(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 | Rank improving

Wallet Share Momentum

growth
#61 of 264 • Top 8.3% in tier

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

Why This Signature
AMR Growth (YoY): 7.54%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank improving

Emerging Performer

growth
#169 of 184 • Top 31.8% in tier

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

Why This Signature
Return on Assets: 0.35%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): -1.71%
(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

Concerns (4)

Liquidity Strain

risk
#107 of 183 • Bottom 20.2% in tier

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

Why This Signature
Loan-to-Share Ratio: 95.70%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 4.06%
(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

Efficiency Drag

risk
#71 of 96 • Bottom 21.3% in tier

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

Why This Signature
Efficiency Ratio: 80.09%
(Tier: 73.45%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.11% points
(Tier: 0.07% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): -1.71%
(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

Stagnation Risk

risk
#55 of 85 • Bottom 22.6% 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: 0.35%
(Tier: 0.71%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -1.71%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $36.5K
(Tier: $29.2K, National: $19.4K)
but better than tier avg
CD Concentration: 25.49%
(Tier: 28.98%, National: 19.60%)
but better than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 CUs YoY | Rank worsening

Membership Headwinds

decline
#56 of 85 • Bottom 23.0% in tier

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

Why This Signature
Member Growth (YoY): -1.71%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 CUs YoY

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 (4 metrics)

30
Loan-to-Member Ratio (LMR)
engagement
Value: $17,824
Peer Avg: $13,213
#30 of 304 Top 9.5% in 1B-3B tier
39
Average Member Relationship (AMR)
engagement
Value: $36,450
Peer Avg: $29,172
#39 of 304 Top 12.5% in 1B-3B tier
51
AMR Growth Rate
growth
Value: 7.54%
Peer Avg: 3.29%
#51 of 304 Top 16.4% in 1B-3B tier
69
Loan-to-Share Ratio
balance_sheet
Value: 95.70%
Peer Avg: 85.19%
#69 of 304 Top 22.4% in 1B-3B tier

Top Weaknesses (7 metrics)

288
Total Members
engagement
Value: 49,087
Peer Avg: 98,678
#288 of 304 Bottom 5.6% in 1B-3B tier
277
Total Deposits
balance_sheet
Value: $914.29M
Peer Avg: $1.45B
#277 of 304 Bottom 9.2% in 1B-3B tier
272
Total Assets
balance_sheet
Value: $1.09B
Peer Avg: $1.72B
#272 of 304 Bottom 10.9% in 1B-3B tier
251
Member Growth Rate
growth
Value: -1.71%
Peer Avg: 2.20%
#251 of 304 Bottom 17.8% in 1B-3B tier
247
Return on Assets (ROA)
profitability
Value: 0.35%
Peer Avg: 0.70%
#247 of 304 Bottom 19.1% in 1B-3B tier
243
Members Per Employee (MPE)
engagement
Value: 293.934
Peer Avg: 364.953
#243 of 304 Bottom 20.4% in 1B-3B tier
236
Total Loans
balance_sheet
Value: $874.94M
Peer Avg: $1.23B
#236 of 304 Bottom 22.7% in 1B-3B tier