City & County

SAINT PAUL, MN · 2 · Charter #60255 · www.cccu.com
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
$1.2B
12th percentile
Members
62,180
11th percentile
Total loans
$689.8M
4th percentile
Total shares
$1.0B
16th percentile

Profitability

Return on assets
0.54%
21th percentile
Net interest margin
3.22%
50th percentile
Efficiency ratio
63.93%
9th percentile
Non-interest income ratio
13.90%
21th percentile

Capital & Risk

Net worth ratio
11.79%
67th percentile
Delinquency rate
0.31%
89th percentile
Net charge-off rate
0.32%
74th percentile
Loan-to-share
66.84%
11th percentile

Growth

Member growth YoY
-0.08%
23th percentile
Asset growth YoY
-1.73%
6th percentile
Loan growth YoY
0.63%
23th percentile
Share growth YoY
2.54%
23th percentile

Operations

Members / branch
4,783
13th percentile
Assets / member
$18,820
57th percentile
Field of membership penetration
2.16%
21th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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