MINNCO

Charter #63639 | MN

500M-750M (169 CUs) Community (281 CUs)
2 500M-750M in MN

MINNCO has 4 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 2.7% in tier
  • + Organic Growth Engine: Top 11.0% in tier
  • + Strong member growth: 8.7% YoY
  • + Member Growth Rate: Top 7.1% in tier

Key Concerns

Areas that may need attention

  • - Shrinking Wallet Share: Bottom 21.0% in tier
  • - Growth-at-Risk: Bottom 21.4% in tier
  • - Credit Quality Pressure: Bottom 21.7% in tier
  • - ROA 0.07% below tier average
  • - Delinquency rate 0.03% above tier average

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Members 36,979
+8.7% YoY+0.5% QoQ
 -2.8K 39,752
-2.7% YoY
 26,738
+5.8% YoY
 33,089
+6.1% YoY
 47th in tier
Assets $577.4M
+9.3% YoY+1.6% QoQ
 $-45.0M $622.4M
+0.3% YoY
 $521.2M
+7.2% YoY
 $547.7M
+7.8% YoY
 34th in tier
Loans $353.0M
+5.9% YoY+1.8% QoQ
 $-83.0M $435.9M
-0.4% YoY
 $373.7M
+9.3% YoY
 $388.7M
+8.6% YoY
 Bottom 16.6% in tier
Deposits $515.7M
+8.8% YoY+1.0% QoQ
 $-22.3M $538.0M
+1.3% YoY
 $429.0M
+9.5% YoY
 $464.6M
+9.3% YoY
 38th in tier
ROA 0.6%
-4.0% YoY-4.0% QoQ
 -0.1% 0.7%
+33.9% YoY
 1.4%
-35.4% YoY
 0.7%
+273.4% YoY
 46th in tier
NIM 3.1%
+21.2% YoY+1.7% QoQ
 -0.3% 3.4%
+8.6% YoY
 3.7%
+9.1% YoY
 3.7%
+5.0% YoY
 27th in tier
Efficiency Ratio 76.9%
-0.8% YoY+0.2% QoQ
 -1.2% 78.1%
-3.4% YoY
 74.2%
-2.5% YoY
 79.1%
-3.3% YoY
 41st in tier
Delinquency Rate 0.8%
+9.9% YoY-0.4% QoQ
 +0.0 0.8%
-4.9% YoY
 0.9%
+10.7% YoY
 1.2%
-0.9% YoY
 63rd in tier
Loan To Share 68.4%
-2.7% YoY+0.9% QoQ
 -12.6% 81.0%
-1.8% YoY
 77.1%
-1.5% YoY
 68.0%
-1.7% YoY
 Bottom 16.6% in tier
AMR $23,492
-1.0% YoY+0.9% QoQ
 $-3K $26,482
+2.6% YoY
 $23,275
+3.9% YoY
 $19,418
+1.3% YoY
 41st in tier
CD Concentration 19.2%
-0.7% YoY+2.5% QoQ
 -5.2% 24.4%
+4.2% YoY
 22.0%
+1.9% YoY
 19.6%
+6.2% YoY
 32nd in tier
Indirect Auto % 4.8%
-28.3% YoY-7.3% QoQ
 -9.1% 14.0%
-5.8% YoY
 6.6%
-8.5% YoY
 7.9%
-2.9% YoY
 45th in tier

Signature Analysis

Strengths (2)

Organic Growth Leader

growth
#36 of 430 • Top 2.7% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 8.70%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 281 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank improving

Organic Growth Engine

growth
#203 of 603 • Top 11.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 8.70%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.59%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 4.84%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY

Concerns (3)

Shrinking Wallet Share

decline
#210 of 244 • Bottom 21.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -1.01%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 281 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY | Rank improving

Growth-at-Risk

risk
#322 of 446 • Bottom 21.4% in tier

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

Why This Signature
Loan Growth (YoY): 5.90%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.07% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 281 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | Rank worsening

Credit Quality Pressure

risk
#537 of 736 • Bottom 21.7% in tier

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

Why This Signature
Delinquency Change (YoY): 0.07% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 281 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 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 169 peers in tier

Top Strengths (4 metrics)

13
Member Growth Rate
growth
Value: 8.70%
Peer Avg: 1.75%
#13 of 169 Top 7.1% in 500M-750M tier
24
Asset Growth Rate
growth
Value: 9.33%
Peer Avg: 4.33%
#24 of 169 Top 13.6% in 500M-750M tier
32
Share Certificate Concentration (%)
balance_sheet
Value: 19.25%
Peer Avg: 26.87%
#32 of 169 Top 18.3% in 500M-750M tier
34
Deposit Growth Rate
growth
Value: 8.79%
Peer Avg: 5.25%
#34 of 169 Top 19.5% in 500M-750M tier

Top Weaknesses (3 metrics)

142
AMR Growth Rate
growth
Value: -1.01%
Peer Avg: 3.12%
#142 of 169 Bottom 16.6% in 500M-750M tier
141
Loan-to-Share Ratio
balance_sheet
Value: 68.44%
Peer Avg: 81.02%
#141 of 169 Bottom 17.2% in 500M-750M tier
141
Total Loans
balance_sheet
Value: $352.97M
Peer Avg: $435.95M
#141 of 169 Bottom 17.2% in 500M-750M tier