FIRST PACE
Charter #64089 | MN
<100M
(2596 CUs)
Micro
($0-$500M)
38 <100M in MN
FIRST PACE has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.27% 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 1.54% below tier average
- - Efficiency ratio 36.90% above tier (higher cost structure)
- - Member decline: -2.0% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
914
-2.0% YoY-1.4% QoQ
|
-1.7K |
2,625
-2.2% YoY
|
26,738
+5.8% YoY
|
33,089
+6.1% YoY
|
26th in tier |
| Assets |
$9.2M
-1.7% YoY+0.4% QoQ
|
$-20.7M |
$29.9M
+1.1% YoY
|
$521.2M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
31st in tier |
| Loans |
$5.4M
-1.9% YoY-4.9% QoQ
|
$-10.4M |
$15.8M
-2.4% YoY
|
$373.7M
+9.3% YoY
|
$388.7M
+8.6% YoY
|
36th in tier |
| Deposits |
$7.4M
-1.2% YoY+0.7% QoQ
|
$-18.0M |
$25.5M
+0.4% YoY
|
$429.0M
+9.5% YoY
|
$464.6M
+9.3% YoY
|
30th in tier |
| ROA |
-0.9%
-40.0% YoY+1.6% QoQ
|
-1.5% |
0.7%
-731.4% YoY
|
1.4%
-35.4% YoY
|
0.7%
+273.4% YoY
|
Bottom 6.2% in tier |
| NIM |
4.2%
+20.6% YoY+2.2% QoQ
|
+0.3% |
3.9%
+3.8% YoY
|
3.7%
+9.1% YoY
|
3.7%
+5.0% YoY
|
62nd in tier |
| Efficiency Ratio |
118.3%
-12.0% YoY-0.5% QoQ
|
+36.9% |
81.4%
-2.4% YoY
|
74.2%
-2.5% YoY
|
79.1%
-3.3% YoY
|
Top 4.5% in tier |
| Delinquency Rate |
0.7%
+18.8% YoY-23.4% QoQ
|
-0.8 |
1.5%
-2.0% YoY
|
0.9%
+10.7% YoY
|
1.2%
-0.9% YoY
|
51st in tier |
| Loan To Share |
72.1%
-0.7% YoY-5.6% QoQ
|
+10.9% |
61.2%
-3.0% YoY
|
77.1%
-1.5% YoY
|
68.0%
-1.7% YoY
|
66th in tier |
| AMR |
$14,021
+0.6% YoY-0.4% QoQ
|
$-606 |
$14,627
-2.7% YoY
|
$23,275
+3.9% YoY
|
$19,418
+1.3% YoY
|
52nd in tier |
| CD Concentration |
18.7%
-28.4% YoY-7.5% QoQ
|
-5.7% |
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 (2 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
Top Weaknesses (2 metrics)
2481
Efficiency Ratio
profitability
Value:
118.30%
Peer Avg: 81.39%
#2481 of 2596
Bottom 4.5% in <100M tier
2436
Return on Assets (ROA)
profitability
Value:
-0.86%
Peer Avg: 0.68%
#2436 of 2596
Bottom 6.2% in <100M tier