Nsp

Maplewood, MN · 2 · Charter #62733 · www.mynspcu.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$36.3M
85th percentile
Members
2,707
80th percentile
Total loans
$20.9M
90th percentile
Total shares
$28.2M
81th percentile

Profitability

Return on assets
-0.23%
11th percentile
Net interest margin
3.82%
44th percentile
Efficiency ratio
92.96%
10th percentile
Non-interest income ratio
19.79%
82th percentile

Capital & Risk

Net worth ratio
20.48%
75th percentile
Delinquency rate
0.19%
72th percentile
Net charge-off rate
0.52%
31th percentile
Loan-to-share
74.12%
69th percentile

Growth

Member growth YoY
-2.84%
35th percentile
Asset growth YoY
-5.23%
16th percentile
Loan growth YoY
-2.61%
52th percentile
Share growth YoY
-6.48%
16th percentile

Operations

Members / branch
2,707
89th percentile
Assets / member
$13,423
78th percentile
Field of membership penetration
36.09%
50th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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