Members Cooperative

DULUTH, MN · 2 · Charter #60216 · www.membersccu.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
13th percentile
Members
58,973
9th percentile
Total loans
$934.4M
20th percentile
Total shares
$948.0M
10th percentile

Profitability

Return on assets
0.70%
29th percentile
Net interest margin
3.20%
49th percentile
Efficiency ratio
58.25%
23th percentile
Non-interest income ratio
21.56%
71th percentile

Capital & Risk

Net worth ratio
10.19%
37th percentile
Delinquency rate
1.56%
11th percentile
Net charge-off rate
0.23%
83th percentile
Loan-to-share
98.57%
77th percentile

Growth

Member growth YoY
4.61%
74th percentile
Asset growth YoY
1.93%
20th percentile
Loan growth YoY
1.00%
24th percentile
Share growth YoY
3.17%
27th percentile

Operations

Members / branch
4,914
15th percentile
Assets / member
$19,876
66th percentile
Field of membership penetration
4.36%
43th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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