West Metro Schools

Hopkins, MN · 2 · Charter #62726 · www.wmscu.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
$41.0M
91th percentile
Members
2,614
78th percentile
Total loans
$20.2M
89th percentile
Total shares
$33.0M
88th percentile

Profitability

Return on assets
1.06%
62th percentile
Net interest margin
3.94%
48th percentile
Efficiency ratio
55.05%
75th percentile
Non-interest income ratio
6.12%
37th percentile

Capital & Risk

Net worth ratio
18.55%
68th percentile
Delinquency rate
2.90%
16th percentile
Net charge-off rate
0.27%
45th percentile
Loan-to-share
61.22%
51th percentile

Growth

Member growth YoY
-1.13%
53th percentile
Asset growth YoY
1.45%
52th percentile
Loan growth YoY
-6.39%
36th percentile
Share growth YoY
0.62%
51th percentile

Operations

Members / branch
871
41th percentile
Assets / member
$15,667
87th percentile
Field of membership penetration
15.38%
28th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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