Magnifi Financial

MELROSE, MN · 2 · Charter #68604 · www.mymagnifi.org
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$2.6B
60th percentile
Members
84,945
33th percentile
Total loans
$2.1B
66th percentile
Total shares
$2.0B
58th percentile

Profitability

Return on assets
0.78%
34th percentile
Net interest margin
3.08%
40th percentile
Efficiency ratio
50.36%
55th percentile
Non-interest income ratio
16.55%
36th percentile

Capital & Risk

Net worth ratio
11.20%
59th percentile
Delinquency rate
0.36%
84th percentile
Net charge-off rate
0.30%
78th percentile
Loan-to-share
105.81%
90th percentile

Growth

Member growth YoY
-0.04%
24th percentile
Asset growth YoY
7.16%
63th percentile
Loan growth YoY
14.66%
90th percentile
Share growth YoY
4.54%
40th percentile

Operations

Members / branch
3,146
3th percentile
Assets / member
$30,712
95th percentile
Field of membership penetration
1.82%
18th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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