CROW WING POWER

Charter #68389 | MN

100M-500M (1077 CUs) Micro
31 100M-500M in MN

CROW WING POWER has 8 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 4.6% in tier
  • + Wallet Share Momentum: Top 5.5% in tier
  • + Emerging Performer: Top 23.2% in tier
  • + ROA 0.33% above tier average
  • + Loan-to-Member Ratio (LMR): Top 3.6% in tier
  • + Average Member Relationship (AMR): Top 4.7% in tier
  • + Total Delinquency Rate (60+ days): Top 7.3% in tier
  • + Efficiency Ratio: Top 9.1% in tier

Key Concerns

Areas that may need attention

  • - Stagnation Risk: Bottom 0.4% in tier
  • - Membership Headwinds: Bottom 8.1% in tier
  • - Member decline: -4.6% YoY
  • - Fee Income Per Member: Bottom 1.2% in tier
  • - Share Certificate Concentration (%): Bottom 1.5% in tier
  • - Total Members: Bottom 2.2% in tier
  • - First Mortgage Concentration (%): Bottom 6.6% in tier
  • - Total Assets: Bottom 9.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Members 4,599
-4.6% YoY-0.1% QoQ
 -11.0K 15,628
-3.4% YoY
 26,738
+5.8% YoY
 33,089
+6.1% YoY
 Bottom 2.1% in tier
Assets $114.4M
+2.6% YoY+2.6% QoQ
 $-116.9M $231.3M
-0.0% YoY
 $521.2M
+7.2% YoY
 $547.7M
+7.8% YoY
 Bottom 9.8% in tier
Loans $92.3M
+7.3% YoY-0.3% QoQ
 $-55.5M $147.8M
-1.4% YoY
 $373.7M
+9.3% YoY
 $388.7M
+8.6% YoY
 30th in tier
Deposits $103.0M
+1.5% YoY+2.4% QoQ
 $-97.3M $200.3M
-0.0% YoY
 $429.0M
+9.5% YoY
 $464.6M
+9.3% YoY
 Bottom 12.9% in tier
ROA 1.1%
+1.0% YoY+13.0% QoQ
 +0.3% 0.8%
+15.5% YoY
 1.4%
-35.4% YoY
 0.7%
+273.4% YoY
 73rd in tier
NIM 3.1%
+8.0% YoY+3.6% QoQ
 -0.5% 3.6%
+6.9% YoY
 3.7%
+9.1% YoY
 3.7%
+5.0% YoY
 Bottom 21.9% in tier
Efficiency Ratio 60.6%
-1.7% YoY-2.9% QoQ
 -16.7% 77.3%
-3.0% YoY
 74.2%
-2.5% YoY
 79.1%
-3.3% YoY
 Bottom 9.1% in tier
Delinquency Rate 0.1%
-43.5% YoY+258.6% QoQ
 -0.7 0.9%
+7.6% YoY
 0.9%
+10.7% YoY
 1.2%
-0.9% YoY
 Bottom 7.3% in tier
Loan To Share 89.6%
+5.6% YoY-2.7% QoQ
 +16.9% 72.7%
-1.5% YoY
 77.1%
-1.5% YoY
 68.0%
-1.7% YoY
 Top 16.0% in tier
AMR $42,471
+9.2% YoY+1.2% QoQ
 +$18K $24,363
+2.9% YoY
 $23,275
+3.9% YoY
 $19,418
+1.3% YoY
 Top 4.8% in tier
CD Concentration 50.0%
+9.4% YoY+2.0% QoQ
 +25.6% 24.4%
+4.2% YoY
 22.0%
+1.9% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 12.5%
+11.4% YoY+11.7% QoQ
 -1.4% 14.0%
-5.8% YoY
 6.6%
-8.5% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth
#127 of 1006 • Top 4.6% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 9.18%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.0K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Wallet Share Momentum

growth
#152 of 1006 • Top 5.5% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 9.18%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Emerging Performer

growth
#436 of 627 • Top 23.2% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 1.12%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): -4.60%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank worsening

Concerns (2)

Stagnation Risk

risk
#8 of 550 • Bottom 0.4% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 1.12%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -4.60%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $42.5K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 50.01%
(Tier: 24.41%, National: 19.60%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Membership Headwinds

decline
#134 of 550 • Bottom 8.1% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -4.60%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

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 1077 peers in tier

Top Strengths (8 metrics)

40
Loan-to-Member Ratio (LMR)
engagement
Value: $20,071
Peer Avg: $10,245
#40 of 1077 Top 3.6% in 100M-500M tier
52
Average Member Relationship (AMR)
engagement
Value: $42,471
Peer Avg: $24,363
#52 of 1077 Top 4.7% in 100M-500M tier
80
Total Delinquency Rate (60+ days)
risk
Value: 0.14%
Peer Avg: 0.86%
#80 of 1077 Top 7.3% in 100M-500M tier
99
Efficiency Ratio
profitability
Value: 60.55%
Peer Avg: 77.28%
#99 of 1077 Top 9.1% in 100M-500M tier
121
AMR Growth Rate
growth
Value: 9.18%
Peer Avg: 3.64%
#121 of 1077 Top 11.1% in 100M-500M tier
152
Net Charge-Off Rate
risk
Value: 0.09%
Peer Avg: 0.47%
#152 of 1077 Top 14.0% in 100M-500M tier
172
Loan-to-Share Ratio
balance_sheet
Value: 89.60%
Peer Avg: 72.70%
#172 of 1077 Top 15.9% in 100M-500M tier
269
Loan Growth Rate
growth
Value: 7.25%
Peer Avg: 3.45%
#269 of 1077 Top 24.9% in 100M-500M tier

Top Weaknesses (9 metrics)

1065
Fee Income Per Member
profitability
Value: $26.14
Peer Avg: $174.31
#1065 of 1077 Bottom 1.2% in 100M-500M tier
1062
Share Certificate Concentration (%)
balance_sheet
Value: 50.01%
Peer Avg: 23.61%
#1062 of 1077 Bottom 1.5% in 100M-500M tier
1054
Total Members
engagement
Value: 4,599
Peer Avg: 15,628
#1054 of 1077 Bottom 2.2% in 100M-500M tier
1007
First Mortgage Concentration (%)
balance_sheet
Value: 58.57%
Peer Avg: 30.43%
#1007 of 1077 Bottom 6.6% in 100M-500M tier
971
Total Assets
balance_sheet
Value: $114.40M
Peer Avg: $231.30M
#971 of 1077 Bottom 9.9% in 100M-500M tier
961
Member Growth Rate
growth
Value: -4.60%
Peer Avg: 0.72%
#961 of 1077 Bottom 10.9% in 100M-500M tier
938
Total Deposits
balance_sheet
Value: $103.02M
Peer Avg: $200.29M
#938 of 1077 Bottom 13.0% in 100M-500M tier
844
Net Worth Ratio
risk
Value: 9.58%
Peer Avg: 12.15%
#844 of 1077 Bottom 21.7% in 100M-500M tier
841
Net Interest Margin (NIM)
profitability
Value: 3.07%
Peer Avg: 3.58%
#841 of 1077 Bottom 22.0% in 100M-500M tier