Metropolitan Services

SAINT PAUL, MN · 2 · Charter #64999 · www.mymscu.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
$11.8M
46th percentile
Members
948
35th percentile
Total loans
$6.8M
53th percentile
Total shares
$10.9M
50th percentile

Profitability

Return on assets
0.79%
49th percentile
Net interest margin
4.13%
56th percentile
Efficiency ratio
75.61%
32th percentile
Non-interest income ratio
15.36%
70th percentile

Capital & Risk

Net worth ratio
10.22%
17th percentile
Delinquency rate
0.46%
60th percentile
Net charge-off rate
-0.01%
91th percentile
Loan-to-share
62.30%
52th percentile

Growth

Member growth YoY
9.09%
96th percentile
Asset growth YoY
1.71%
54th percentile
Loan growth YoY
8.80%
87th percentile
Share growth YoY
2.62%
62th percentile

Operations

Members / branch
474
22th percentile
Assets / member
$12,411
73th percentile
Field of membership penetration
18.96%
32th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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