# MAYO EMPLOYEES
ROCHESTER, MN · NCUA charter 24748 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/mayo-employees-24748

Who the members are: federal charter, multiple common bond, organized 1934. 75,879 members of 182,906 potential (41.5% of the field); checking penetration 57% (share draft accounts per 100 members); loans per 100 members 29.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.53B |
| Members | 75,879 (2.2% YoY) |
| Full-time staff | 126 |
| Net worth | $217.0M |
| Net worth ratio | 14.2% (p90 of band) |
| ROA (annualized) | 1.82% (p98 of band) |
| Total delinquency | 0.04% (p0 of band) |
| Net charge-offs (annualized) | 0.03% (p2 of band) |
| Loans / shares | 53% (p4 of band) |
| Cash / assets | 11.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.70% (p15 of band) |
| Operating expense / assets | 1.73% (p4 of band) |
| Vehicles % of loans | 16% (p24 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p7 of band) |
| Vehicle delinquency | 0.05% (p0 of band) |
| Vehicle NCO | 0.02% (p1 of band) |
| Repossessed % of vehicle book | 0.00% (p11 of band) |
| Real estate % of loans | 76% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 1% |
| Core shares % of member funds | 53% |
| Certificates % of member funds | 20% |
| Average share balance | $9,233 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $289,078 |
| Loans outstanding per 100 members | 29% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $31,368 |
| Loans granted, annualized | $199.5M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $289,078 outstanding purchased (0.1% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 6.8% year over year.

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | net worth falling |  |
| 2017-06 | 0 |  | net worth falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | delinquency rising |  |
| 2018-12 | 0 |  | delinquency rising |
| 2019-03 | 1 | delinquency rising |  |
| 2019-06 | 0 |  | delinquency rising |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | net worth falling |  |
| 2020-06 | 1 | delinquency rising | net worth falling |
| 2020-09 | 1 | margin squeeze | delinquency rising |
| 2020-12 | 2 | net worth falling |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 1 |  | margin squeeze |
| 2021-09 | 1 | delinquency rising | net worth falling |
| 2021-12 | 0 |  | delinquency rising |
| 2022-03 | 1 | delinquency rising |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 | assets shrinking | delinquency rising |
| 2023-09 | 2 | delinquency rising |  |
| 2023-12 | 1 |  | delinquency rising |
| 2024-03 | 2 | net worth falling, delinquency rising | assets shrinking |
| 2024-06 | 1 |  | net worth falling |
| 2024-09 | 0 |  | delinquency rising |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | delinquency rising |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-07 [Mayo Credit Union to expand in Rochester and Wisconsin - Post Bulletin](https://news.google.com/rss/articles/CBMilwFBVV95cUxQRmN6SnRTZFdTQ25NdGM3VWtxcjhhenNjQ3Y1VWx6akh1Nk85VGptYURLY1FCb3hkOVp3OUZMeUNsWklxRUpnSkR4WE5EazFKTkF1d0VCdlcwZUVvZWMyMFlYRzg0ZkpUX1YxbE1admVVUUpsLVdJbTY3X1BrZHJ4LXpkWEFTR2dkOXAwMG50TEZobm1aSG9j?oc=5) · Post Bulletin
- 2025-03-05 [Mayo Employees Federal Credit Union raises funds for local Special Olympics program - CUInsight](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPM3d0dldOZDhTZHJzaVVwcDRsUzBVOGVNcTRqejJ0aE96T2RmSFFHZklyUFdWREt1eUJzc09LU1Q5bHJoZE5ybE04Nk40ZGZHRlhXOWVsVzNsWjRsMXhwUVhLaGlaQlBiYS1ITTBteG1QaXd4bEZQYVRZT2NXa1hzVTlnRWRzb2pFMnV3VWJwREZKLV9uZ0gwXzJVMV9hN19jdFVoRG1pTFZrcGVUci1VM0Q5bFk3em9SMUpVcF9LYkNuUQ?oc=5) · CUInsight
- 2026-04-01 [City officials set to review plans for a new credit union - wxow.com](https://news.google.com/rss/articles/CBMi3gFBVV95cUxNNllMLVlMTUpyR1hhT3Q2ZWI1RVU4dF9WamxxU2pHazFGOUc5aVhhaE1ha1gwWlh4VHdRQmpna2NFNnZHb2c2NzRVb2VXcDdXZHIzeU1IVUxLdkU0SS1BeVNvTlVhc0dFa2RVTWxBUUt5RTgtdTRvazNBY3dtY2lpT3NQYi1iN0EtQkhfV0tSOHNrWHlYbm1kWXhaMlF3OHhCMTZqdDh2YU5yNkttZDVCYW14UDdnbUpmajhCQzNLeEFzaG8yT0VOSlNxekJFUENXcFFwMUtDdGIzT2dkV1E?oc=5) · wxow.com
- 2014-11-19 [Mary A. Hansen - Finance & Commerce](https://news.google.com/rss/articles/CBMiYEFVX3lxTFB3ajY4eElmNGs0SmVXeHRXUi1KaERxU2JZWE5nc21EdVFERVNsYXBNRktfc3N3MDZLTEJRYkNQQkFRZ2M1bUJFaFg1MmtYLWZXM2FjWGV5NjFoU0thQndzcw?oc=5) · Finance & Commerce
- 2020-01-21 [Credit union employees will no longer work for Mayo Clinic - Post Bulletin](https://news.google.com/rss/articles/CBMimgFBVV95cUxNSmZOaHlmYWZZc3pqWEc4TTdpQ2JQYkVucVRYbVZtZUViWWg0YVVwY1ZDckRWeU1sbzBjTnZ0MEtDQWZvQXVEOVhUaFlLTmVlSUFXTWNibTVyTHhkUXJiQTlRUXp3cm12OXduOHRYLVJKUm90cUhlSHFyd0hTZ2Z3dHZ1cm9KZ3FkLV9abmpta212bGc0N0FQcUFn?oc=5) · Post Bulletin
- 2017-01-12 [Kurth Named a 'Credit Union Builder' - cutoday.info](https://news.google.com/rss/articles/CBMiggFBVV95cUxPMWNIQjFmRjlVd1VXcXhCWUNGNVVzNHhWdldiZUlFTEJNemRsZkpZV3lLMVQ2M0RCLXZvbjgxbXdzelRZZUVOM1g4VHlqRy0wa3QtX3JWaWgwUkNGMkxOV3RudDhUcWlwOVBWV0YxcFp2N3RHTVZqSzNjVmxRTkgzaVZR?oc=5) · cutoday.info
- 2021-06-08 [Thieves target Rochester ATMs by using tow strap and a truck - kimt.com](https://news.google.com/rss/articles/CBMi2gFBVV95cUxNb2NoWHN5VmJENkpsTmxLcTBMWGpEWFBJUEJ6by0yaFo3bTQwbExjME50NUdxWDhtclBGbHFKRzJGdy0wVUVzXzZ5ZEwxeWJ5THNKZHI0OHFsSzhRZ09TazJrRTNlYlExelk3aUhFWXQydXN6RkdTYTd5Vmc4M3VSaFdvNVNHbjNvUUk5MzlFRU5HSmxfT2NrVll5TU5Vb09ySmFuYjhTZTdJV3UyYTUydmRzSnVkOHFVZ0FaTXp5d29WRTFmVzdiRXNpb1JJVDRnRHlhM0pTSVNIZw?oc=5) · kimt.com
- 2025-11-14 [Top Women in Finance 2025: Annette Fuchs - Finance & Commerce](https://news.google.com/rss/articles/CBMigwFBVV95cUxPb04zRm9JNTBBamR2Z05jQzN4Wi14N3NGbjl3WG1yZmE2WVdfZFJEYVdVY1MxSTg2dk5TWVlHRmhJUndyRzIwcktFZXk3ZHVOZjRXZG9XaHQzenJ2LXN0b04ySHcydUxPd0I5dVZsLWFVMFNBUHYzY3BkYWVMVk1CUzdjcw?oc=5) · Finance & Commerce

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24748 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/44.json (key "24748", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=24748
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide