Duluth Fire Department

DULUTH, MN · 2 · Charter #60750
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
$7.4M
34th percentile
Members
367
13th percentile
Total loans
$2.7M
28th percentile
Total shares
$6.1M
35th percentile

Profitability

Return on assets
0.55%
38th percentile
Net interest margin
2.14%
6th percentile
Efficiency ratio
37.76%
94th percentile
Non-interest income ratio
0.03%
5th percentile

Capital & Risk

Net worth ratio
17.76%
65th percentile
Delinquency rate
0.00%
100th percentile
Net charge-off rate
0.00%
90th percentile
Loan-to-share
43.85%
26th percentile

Growth

Member growth YoY
3.67%
91th percentile
Asset growth YoY
10.47%
92th percentile
Loan growth YoY
-8.84%
27th percentile
Share growth YoY
12.17%
93th percentile

Operations

Members / branch
367
17th percentile
Assets / member
$20,169
96th percentile
Field of membership penetration
97.35%
98th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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