Brainerd B. N.

Brainerd, MN · 2 · Charter #60436 · www.bbncu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$122.6M
59th percentile
Members
6,688
41th percentile
Total loans
$63.8M
54th percentile
Total shares
$107.8M
61th percentile

Profitability

Return on assets
0.72%
30th percentile
Net interest margin
2.68%
9th percentile
Efficiency ratio
47.20%
87th percentile
Non-interest income ratio
6.72%
7th percentile

Capital & Risk

Net worth ratio
10.98%
35th percentile
Delinquency rate
0.39%
73th percentile
Net charge-off rate
0.08%
86th percentile
Loan-to-share
59.21%
34th percentile

Growth

Member growth YoY
0.27%
62th percentile
Asset growth YoY
10.93%
91th percentile
Loan growth YoY
8.01%
81th percentile
Share growth YoY
10.67%
90th percentile

Operations

Members / branch
6,688
93th percentile
Assets / member
$18,325
78th percentile
Field of membership penetration
98.04%
100th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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