Mid Minnesota

Baxter, MN · 1 · Charter #20194 · www.mmfcu.org
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$815.1M
88th percentile
Members
67,454
97th percentile
Total loans
$674.7M
95th percentile
Total shares
$716.8M
91th percentile

Profitability

Return on assets
1.23%
67th percentile
Net interest margin
3.80%
73th percentile
Efficiency ratio
61.63%
38th percentile
Non-interest income ratio
24.76%
80th percentile

Capital & Risk

Net worth ratio
9.18%
20th percentile
Delinquency rate
0.41%
78th percentile
Net charge-off rate
0.38%
54th percentile
Loan-to-share
94.12%
83th percentile

Growth

Member growth YoY
4.78%
89th percentile
Asset growth YoY
8.31%
76th percentile
Loan growth YoY
9.38%
78th percentile
Share growth YoY
5.83%
61th percentile

Operations

Members / branch
5,621
68th percentile
Assets / member
$12,084
13th percentile
Field of membership penetration
20.48%
84th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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