DULUTH POLICE DEPARTMENT EMPLOYEES
Charter #64359 | MN
<100M
(2596 CUs)
Micro
($0-$500M)
38 <100M in MN
DULUTH POLICE DEPARTMENT EMPLOYEES has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.43% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Fee Income Per Member: Bottom 7.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
695
-1.1% YoY-0.6% QoQ
|
-1.9K |
2,625
-2.2% YoY
|
26,738
+5.8% YoY
|
33,089
+6.1% YoY
|
Bottom 19.6% in tier |
| Assets |
$7.9M
+2.4% YoY+0.7% QoQ
|
$-22.0M |
$29.9M
+1.1% YoY
|
$521.2M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
28th in tier |
| Loans |
$4.5M
-6.6% YoY-0.7% QoQ
|
$-11.3M |
$15.8M
-2.4% YoY
|
$373.7M
+9.3% YoY
|
$388.7M
+8.6% YoY
|
32nd in tier |
| Deposits |
$6.2M
+1.9% YoY+0.4% QoQ
|
$-19.3M |
$25.5M
+0.4% YoY
|
$429.0M
+9.5% YoY
|
$464.6M
+9.3% YoY
|
27th in tier |
| ROA |
1.1%
+40.7% YoY+7.1% QoQ
|
+0.4% |
0.7%
-731.4% YoY
|
1.4%
-35.4% YoY
|
0.7%
+273.4% YoY
|
67th in tier |
| NIM |
2.9%
+14.9% YoY+5.4% QoQ
|
-1.0% |
3.9%
+3.8% YoY
|
3.7%
+9.1% YoY
|
3.7%
+5.0% YoY
|
Bottom 15.5% in tier |
| Efficiency Ratio |
61.7%
-10.2% YoY-1.0% QoQ
|
-19.7% |
81.4%
-2.4% YoY
|
74.2%
-2.5% YoY
|
79.1%
-3.3% YoY
|
Bottom 16.6% in tier |
| Delinquency Rate | 0.5% | -1.0 |
1.5%
-2.0% YoY
|
0.9%
+10.7% YoY
|
1.2%
-0.9% YoY
|
44th in tier |
| Loan To Share |
72.4%
-8.3% YoY-1.1% QoQ
|
+11.1% |
61.2%
-3.0% YoY
|
77.1%
-1.5% YoY
|
68.0%
-1.7% YoY
|
66th in tier |
| AMR |
$15,314
-0.7% YoY+0.5% QoQ
|
+$687 |
$14,627
-2.7% YoY
|
$23,275
+3.9% YoY
|
$19,418
+1.3% YoY
|
60th in tier |
| CD Concentration | 0.0% | -24.4% |
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 (6 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
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
431
Efficiency Ratio
profitability
Value:
61.70%
Peer Avg: 81.39%
#431 of 2596
Top 16.6% in <100M tier
437
Net Worth Ratio
risk
Value:
21.85%
Peer Avg: 16.43%
#437 of 2596
Top 16.8% in <100M tier
Top Weaknesses (4 metrics)
2408
Fee Income Per Member
profitability
Value:
$0.81
Peer Avg: $182.96
#2408 of 2596
Bottom 7.3% in <100M tier
2194
Net Interest Margin (NIM)
profitability
Value:
2.90%
Peer Avg: 3.93%
#2194 of 2596
Bottom 15.5% in <100M tier
2086
Total Members
engagement
Value:
695
Peer Avg: 2,626
#2086 of 2596
Bottom 19.7% in <100M tier
2034
Members Per Employee (MPE)
engagement
Value:
231.667
Peer Avg: 365.701
#2034 of 2596
Bottom 21.7% in <100M tier