ELECTRIC MACHINERY EMPLOYEES
Charter #63988 | MN
<100M
(2596 CUs)
Micro
($0-$500M)
38 <100M in MN
ELECTRIC MACHINERY EMPLOYEES has 1 strength but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.15% below tier average
- - Efficiency ratio 29.42% above tier (higher cost structure)
- - Member decline: -13.6% YoY
- - Member Growth Rate: Bottom 3.4% in tier
- - Net Charge-Off Rate: Bottom 8.4% in tier
- - Loan Growth Rate: 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 |
780
-13.6% YoY-5.8% QoQ
|
-1.8K |
2,625
-2.2% YoY
|
26,738
+5.8% YoY
|
33,089
+6.1% YoY
|
Bottom 22.3% in tier |
| Assets |
$8.5M
-0.3% YoY+0.5% QoQ
|
$-21.3M |
$29.9M
+1.1% YoY
|
$521.2M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
29th in tier |
| Loans |
$4.1M
-16.8% YoY-6.4% QoQ
|
$-11.7M |
$15.8M
-2.4% YoY
|
$373.7M
+9.3% YoY
|
$388.7M
+8.6% YoY
|
29th in tier |
| Deposits |
$6.4M
+1.2% YoY+0.7% QoQ
|
$-19.1M |
$25.5M
+0.4% YoY
|
$429.0M
+9.5% YoY
|
$464.6M
+9.3% YoY
|
28th in tier |
| ROA |
-0.5%
-59.2% YoY-46.2% QoQ
|
-1.1% |
0.7%
-731.4% YoY
|
1.4%
-35.4% YoY
|
0.7%
+273.4% YoY
|
Bottom 9.1% in tier |
| NIM |
3.2%
+3.7% YoY+3.2% QoQ
|
-0.7% |
3.9%
+3.8% YoY
|
3.7%
+9.1% YoY
|
3.7%
+5.0% YoY
|
Bottom 24.0% in tier |
| Efficiency Ratio |
110.8%
-11.0% YoY-8.2% QoQ
|
+29.4% |
81.4%
-2.4% YoY
|
74.2%
-2.5% YoY
|
79.1%
-3.3% YoY
|
Top 6.1% in tier |
| Delinquency Rate |
1.0%
-44.9% YoY-6.3% QoQ
|
-0.5 |
1.5%
-2.0% YoY
|
0.9%
+10.7% YoY
|
1.2%
-0.9% YoY
|
62nd in tier |
| Loan To Share |
63.5%
-17.8% YoY-7.1% QoQ
|
+2.3% |
61.2%
-3.0% YoY
|
77.1%
-1.5% YoY
|
68.0%
-1.7% YoY
|
53rd in tier |
| AMR |
$13,394
+8.1% YoY+3.8% QoQ
|
$-1K |
$14,627
-2.7% YoY
|
$23,275
+3.9% YoY
|
$19,418
+1.3% YoY
|
48th in tier |
| CD Concentration |
33.3%
-7.0% YoY-5.9% QoQ
|
+8.9% |
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 (3 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
309
Net Worth Ratio
risk
Value:
24.41%
Peer Avg: 16.43%
#309 of 2596
Top 11.9% in <100M tier
354
AMR Growth Rate
growth
Value:
8.08%
Peer Avg: 4.67%
#354 of 2596
Top 13.6% in <100M tier
Top Weaknesses (9 metrics)
2510
Member Growth Rate
growth
Value:
-13.62%
Peer Avg: 14.92%
#2510 of 2596
Bottom 3.4% in <100M tier
2438
Efficiency Ratio
profitability
Value:
110.81%
Peer Avg: 81.39%
#2438 of 2596
Bottom 6.1% in <100M tier
2379
Net Charge-Off Rate
risk
Value:
1.52%
Peer Avg: 0.57%
#2379 of 2596
Bottom 8.4% in <100M tier
2359
Return on Assets (ROA)
profitability
Value:
-0.47%
Peer Avg: 0.68%
#2359 of 2596
Bottom 9.2% in <100M tier
2358
Loan Growth Rate
growth
Value:
-16.83%
Peer Avg: 59.01%
#2358 of 2596
Bottom 9.2% in <100M tier
2250
Share Certificate Concentration (%)
balance_sheet
Value:
33.33%
Peer Avg: 15.37%
#2250 of 2596
Bottom 13.4% in <100M tier
2140
Fee Income Per Member
profitability
Value:
$8.22
Peer Avg: $182.96
#2140 of 2596
Bottom 17.6% in <100M tier
2016
Total Members
engagement
Value:
780
Peer Avg: 2,626
#2016 of 2596
Bottom 22.4% in <100M tier
1972
Net Interest Margin (NIM)
profitability
Value:
3.20%
Peer Avg: 3.93%
#1972 of 2596
Bottom 24.1% in <100M tier