MOWER COUNTY CATHOLIC PARISHES
Charter #63258 | MN
<100M
(2596 CUs)
Micro
($0-$500M)
38 <100M in MN
MOWER COUNTY CATHOLIC PARISHES has 3 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.94% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.25% below tier average
- - Delinquency rate 1.25% above tier average
- - Net Charge-Off Rate: Bottom 3.6% in tier
- - Share Certificate Concentration (%): Bottom 8.1% in tier
- - Asset Growth Rate: Bottom 9.1% in tier
- - Deposit Growth Rate: Bottom 9.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,008
+1.0% YoY+0.3% QoQ
|
-1.6K |
2,625
-2.2% YoY
|
26,738
+5.8% YoY
|
33,089
+6.1% YoY
|
28th in tier |
| Assets |
$6.7M
-7.2% YoY-1.4% QoQ
|
$-23.1M |
$29.9M
+1.1% YoY
|
$521.2M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
Bottom 24.7% in tier |
| Loans |
$4.7M
-6.2% YoY-0.4% QoQ
|
$-11.1M |
$15.8M
-2.4% YoY
|
$373.7M
+9.3% YoY
|
$388.7M
+8.6% YoY
|
32nd in tier |
| Deposits |
$5.5M
-8.5% YoY-1.3% QoQ
|
$-20.0M |
$25.5M
+0.4% YoY
|
$429.0M
+9.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 24.9% in tier |
| ROA |
-0.6%
-133.8% YoY+451.2% QoQ
|
-1.3% |
0.7%
-731.4% YoY
|
1.4%
-35.4% YoY
|
0.7%
+273.4% YoY
|
Bottom 8.2% in tier |
| NIM |
4.9%
+11.2% YoY+0.7% QoQ
|
+0.9% |
3.9%
+3.8% YoY
|
3.7%
+9.1% YoY
|
3.7%
+5.0% YoY
|
Top 16.9% in tier |
| Efficiency Ratio |
68.0%
+10.3% YoY+10.7% QoQ
|
-13.4% |
81.4%
-2.4% YoY
|
74.2%
-2.5% YoY
|
79.1%
-3.3% YoY
|
27th in tier |
| Delinquency Rate |
2.8%
-24.2% YoY-34.6% QoQ
|
+1.2 |
1.5%
-2.0% YoY
|
0.9%
+10.7% YoY
|
1.2%
-0.9% YoY
|
Top 13.5% in tier |
| Loan To Share |
84.9%
+2.5% YoY+0.9% QoQ
|
+23.7% |
61.2%
-3.0% YoY
|
77.1%
-1.5% YoY
|
68.0%
-1.7% YoY
|
Top 16.6% in tier |
| AMR |
$10,072
-8.4% YoY-1.2% QoQ
|
$-5K |
$14,627
-2.7% YoY
|
$23,275
+3.9% YoY
|
$19,418
+1.3% YoY
|
29th in tier |
| CD Concentration |
39.0%
+25.1% YoY+10.7% QoQ
|
+14.6% |
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 (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 (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
428
Loan-to-Share Ratio
balance_sheet
Value:
84.93%
Peer Avg: 61.23%
#428 of 2596
Top 16.4% in <100M tier
440
Net Interest Margin (NIM)
profitability
Value:
4.87%
Peer Avg: 3.93%
#440 of 2596
Top 16.9% in <100M tier
616
Member Growth Rate
growth
Value:
1.00%
Peer Avg: 14.92%
#616 of 2596
Top 23.7% in <100M tier
Top Weaknesses (10 metrics)
2504
Net Charge-Off Rate
risk
Value:
2.76%
Peer Avg: 0.57%
#2504 of 2596
Bottom 3.6% in <100M tier
2388
Share Certificate Concentration (%)
balance_sheet
Value:
39.03%
Peer Avg: 15.37%
#2388 of 2596
Bottom 8.1% in <100M tier
2382
Return on Assets (ROA)
profitability
Value:
-0.57%
Peer Avg: 0.68%
#2382 of 2596
Bottom 8.3% in <100M tier
2361
Asset Growth Rate
growth
Value:
-7.17%
Peer Avg: 1.82%
#2361 of 2596
Bottom 9.1% in <100M tier
2354
Deposit Growth Rate
growth
Value:
-8.48%
Peer Avg: 16.80%
#2354 of 2596
Bottom 9.4% in <100M tier
2333
AMR Growth Rate
growth
Value:
-8.37%
Peer Avg: 4.67%
#2333 of 2596
Bottom 10.2% in <100M tier
2246
Total Delinquency Rate (60+ days)
risk
Value:
2.76%
Peer Avg: 1.51%
#2246 of 2596
Bottom 13.5% in <100M tier
2053
Fee Income Per Member
profitability
Value:
$12.53
Peer Avg: $182.96
#2053 of 2596
Bottom 21.0% in <100M tier
1954
Total Assets
balance_sheet
Value:
$6.74M
Peer Avg: $29.86M
#1954 of 2596
Bottom 24.8% in <100M tier
1949
Total Deposits
balance_sheet
Value:
$5.49M
Peer Avg: $25.45M
#1949 of 2596
Bottom 25.0% in <100M tier