Institution Profile
Address: 1330 Conway St Ste 200 Saint Paul, MN 55106
(651) 772-8744
Website:
NCUA Profile:
Charter Date:
6/22/1988
Charter Type:
Federal
Branches:
3
Branches by Region
MN 3
Financial Overview
Total Assets
$252.14M
Total Deposits
$215.18M
Total Loans
$199.39M
Members
15,166
Employees
32 32 Full-time / 0 Part-time
Allowance for Loan Losses
$1.53M
Performance Ratios
Net Worth Ratio
12.93%
Loan-to-Deposit Ratio
92.66%
Coverage Ratio
0.77% Allowance / Total Loans
Assets, Loans & Deposits Over Time
Assets, Loans & Deposits Over Time
Projected Assets
Scenario projections from 1Y, 2Y, and 3Y CAGR lookbacks over the next 12 quarters
Projected Assets
Scenario projections from 1Y, 2Y, and 3Y CAGR lookbacks over the next 12 quarters
Projected Assets (12 Quarters)
1Y CAGR Scenario: -1.97% 2Y CAGR Scenario: -0.41% 3Y CAGR Scenario: -0.89%
Member Growth
Member Growth
Employee Growth
Employee Growth
Loan Originations
New loans granted per quarter (calculated from YTD figures)
Loans This Year (YTD)
1,002
Amount This Year (YTD)
$51.17M
Number of Loans per Quarter
Loan Amount per Quarter
Loan Portfolio Breakdown
Current outstanding balances by loan type
Used Vehicle
$70.84M 35.5%
1st Mortgages
$49.70M 24.9%
New Vehicle
$27.39M 13.7%
HELOCs
$18.98M 9.5%
Other Secured
$14.20M 7.1%
Credit Card
$11.26M 5.6%
Other Unsecured
$3.78M 1.9%
Student Loans
$2.72M 1.4%
Commercial Unsecured
$294,741 0.1%
CRE: Multifamily
$236,598 0.1%
Portfolio Distribution
Net Income Trend
Net Income Trend
Historical Data Table
| Quarter | Members | Total Assets | Total Deposits | Total Loans | Employees |
|---|---|---|---|---|---|
| 2026 Q2 | 15,166 | $252.14M | $215.18M | $199.39M | 32 |
| 2026 Q1 | 15,143 | $261.58M | $228.63M | $195.60M | 31 |
| 2025 Q4 | 14,969 | $258.60M | $226.39M | $196.48M | 28 |
| 2025 Q3 | 14,969 | $258.71M | $226.88M | $186.80M | 30 |
| 2025 Q2 | 14,864 | $257.22M | $226.36M | $184.70M | 29 |
| 2025 Q1 | 14,850 | $257.20M | $226.93M | $185.07M | 29 |
| 2024 Q4 | 14,803 | $253.74M | $224.29M | $185.63M | 27 |
| 2024 Q3 | 14,810 | $254.21M | $219.66M | $191.40M | 28 |
| 2024 Q2 | 14,777 | $254.21M | $215.95M | $198.13M | 28 |
| 2024 Q1 | 14,742 | $260.79M | $217.10M | $199.90M | 28 |
| 2023 Q4 | 14,788 | $262.62M | $209.59M | $203.94M | 28 |
| 2023 Q3 | 14,843 | $263.56M | $216.75M | $207.20M | 28 |
| 2023 Q2 | 14,725 | $258.95M | $214.74M | $200.30M | 28 |
| 2023 Q1 | 14,624 | $250.34M | $218.10M | $193.13M | 27 |
| 2022 Q4 | 14,453 | $256.60M | $230.85M | $186.67M | 27 |
| 2022 Q3 | 14,264 | $270.30M | $245.63M | $178.13M | 28 |
| 2022 Q2 | 14,114 | $268.28M | $242.37M | $165.79M | 28 |
| 2022 Q1 | 13,896 | $270.74M | $243.89M | $153.13M | 28 |
| 2021 Q4 | 13,402 | $265.74M | $237.32M | $147.44M | 28 |
| 2021 Q3 | 13,310 | $266.53M | $237.89M | $144.29M | 30 |
| 2021 Q2 | 13,202 | $257.81M | $229.84M | $139.95M | 29 |
| 2021 Q1 | 13,077 | $249.54M | $222.29M | $135.69M | 27 |
| 2020 Q4 | 12,923 | $232.79M | $205.62M | $135.61M | 27 |
| 2020 Q3 | 12,797 | $226.64M | $199.52M | $136.18M | 28 |
| 2020 Q2 | 12,765 | $220.10M | $193.34M | $142.54M | 26 |
| 2020 Q1 | 12,751 | $200.08M | $173.96M | $147.51M | 26 |
Interest Rates
Current average rates by loan type
New Vehicle
4.29%
Used Vehicle
4.29%
1st Mortgage (Fixed)
6.25%
HELOC
7.25%
Credit Card
10.90%
Other Unsecured
12.50%