CITY & COUNTY
Charter #60255 · SAINT PAUL, MN · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Delinquency 60+ days of 0.29% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 11th percentile but its structural peers at the 62nd — a 51-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | CITY & COUNTY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.18B | 12th pct | 57th pct |
| Members | 62,149 | 11th pct | 62th pct |
| Net worth ratio | 11.82% | 69th pct | 69th pct |
| Return on average assets | 0.66% | 46th pct | 52th pct |
| Net interest margin | 3.27% | 45th pct | 56th pct |
| Cost of funds | 1.01% | 21th pct | 26th pct |
| Loan-to-share | 65.86% | 12th pct | 36th pct |
| Delinquency 60+ days | 0.29% | 13th pct | 23th pct |
| Net charge-off ratio | 0.24% | 17th pct | 34th pct |
| Loan growth YoY | 0.73% | 36th pct | 46th pct |
| Share growth YoY | 1.60% | 14th pct | 11th pct |
| Efficiency ratio | 80.09% | 78th pct | 57th pct |
structural peer set hash: 8e1a5df0ee24d985d2419c74a31a4f78… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.