# CITY & COUNTY
SAINT PAUL, MN · NCUA charter 60255 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/city-and-county-60255

Who the members are: state charter, organized 1928. 62,149 members of 3,690,105 potential (1.7% of the field); checking penetration 66% (share draft accounts per 100 members); loans per 100 members 90.

**Verdict on the desk:** this could be *ordinary*. 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 | $1.18B |
| Members | 62,149 (-0.3% YoY) |
| Full-time staff | 157 |
| Net worth | $139.9M |
| Net worth ratio | 11.8% (p69 of band) |
| ROA (annualized) | 0.65% (p46 of band) |
| Total delinquency | 0.29% (p13 of band) |
| Net charge-offs (annualized) | 0.24% (p18 of band) |
| Loans / shares | 66% (p12 of band) |
| Cash / assets | 11.2% |
| Borrowings / assets | 1.44% |
| Net interest margin | 3.25% (p47 of band) |
| Operating expense / assets | 3.13% (p44 of band) |
| Vehicles % of loans | 17% (p27 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 46% |
| Third-party paper % of net worth | 54% (p26 of band) |
| Vehicle delinquency | 0.53% (p45 of band) |
| Vehicle NCO | 1.00% (p52 of band) |
| Repossessed % of vehicle book | 0.37% (p93 of band) |
| Real estate % of loans | 60% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 68% |
| Core shares % of member funds | 53% |
| Certificates % of member funds | 23% |
| Average share balance | $8,116 |
| Participations bought / yr | $32.0M |
| Participations sold / yr | $0 |
| Participations outstanding | $81.3M |
| Loans outstanding per 100 members | 90% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $12,375 |
| Loans granted, annualized | $161.2M |

## Participation posture (from the same filings)

Bought $32.0M and sold $0 in the latest annualized quarter; $81.3M outstanding purchased (58.1% of net worth), $18.7M sold and retained. Sold in 4 and bought in 7 of the last 8 quarters. Shares 0.4% year over year.

## Flags firing in the latest filing

- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 3 | losing money, delinquency 2x band |  |
| 2017-06 | 1 |  | losing money, delinquency 2x band |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 0 |  | 3rd-party paper>100% NW |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 2 | net worth falling, margin squeeze |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 1 |  | net worth falling |
| 2021-09 | 0 |  | margin squeeze |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 2 | net worth falling, delinquency rising |  |
| 2022-12 | 1 |  | net worth falling |
| 2023-03 | 1 | 3rd-party paper>100% NW | delinquency rising |
| 2023-06 | 2 | leaning on borrowings |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 3 | delinquency rising |  |
| 2024-03 | 3 |  |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 3 | repo signal | 3rd-party paper>100% NW |
| 2024-12 | 3 | assets shrinking | repo signal |
| 2025-03 | 1 |  | delinquency rising, assets shrinking |
| 2025-06 | 1 | assets shrinking | leaning on borrowings |
| 2025-09 | 1 |  |  |
| 2025-12 | 0 |  | assets shrinking |
| 2026-03 | 1 | assets shrinking |  |

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

- 2025-10-01 [City & County Credit Union announces retirement of CEO, Patrick Pierce - CUInsight](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPQU1qdHFMTkFwcGV0c1Z4cWZvTjVlTE5Na1pRd0FHazFTMWV6bDFaMjJtbnlQUXByX1R4U3RKaDZvZ0JXNGNBSi14aHBrTGxxZmVlT09aRkZpVldHbDRpX2pyUm81MnhVbUFQOU5DblA4Q2JWRmdRMEg5YkgyQXM2akROT2ZsSWxHbGVkLTJ0bmpNV3hWTXRBTEY3cDBseDZpcXVsb2VHckI4bTA?oc=5) · CUInsight
- 2025-11-28 [Influential CEO of City & County Credit Union plans to retire - Pioneer Press](https://news.google.com/rss/articles/CBMipAFBVV95cUxPdXBrSmE1YW0tRjNURXNKSmZ2b2NURFJqelNBOHpHZzJwSGEtYmJVcmxVTnBjOUdZTnpkbWlHUG5GNWNPYmx6Z2h6Y01iR0MwcnZKZGNOMWs5cnlFN1E0STVRUWdjUkZ3RTNRMXpjOG1RbzhidU4wVXp3TUVJWENSTUJ4V1ZEU2UtbkxIVVk0RVdwT2VEWDQwaFhVeWo5UUM5Y2RETA?oc=5) · Pioneer Press
- 2025-06-07 [Affinity Plus Federal Credit Union to merge with Albert Lea’s CCEFCU - kttc.com](https://news.google.com/rss/articles/CBMingFBVV95cUxNT0J4dUY3d1V0VzZnbk1IVVoxemQ0UWpVcWdkMXZ2VklST24xVHBYNXVFLTJha2FFUjRLVS1VNlkzeURrdmk4czcteUxCZURWR0lNa25xZ1RPUzFaQTVTa0FyblM2bFR1RmNacWV3bElUWHViRXFrNWdFdFpQR1RMMldpY1VuNkt1Zk1hT2ZiLTBOV0Fmd1RzdGxmUnZ3dw?oc=5) · kttc.com
- 2025-06-05 [Affinity Plus to merge with Albert Lea credit union, expanding services and membership - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxONTl5MUpRcExYdDE1MzZGbWh2d3h2VjNYX3ZKNWlCSWFOWENvZTdyaGI5T3ZQTnVWODZLTzJsRjlpUVdIZ3lRajZyckx5YnhxMG5YREVxX1RFTXhxeHlrOFdCZnFDeXBrNTNVekN0MWU3d0x3cTBhN29CSkdUeVRES1B0Z1JuYlB2ZDkzV3o2aXJqSGUycHhRdnBCNFAxVWo2TTNHbDZ6enE?oc=5) · The Business Journals
- 2023-12-27 [Dale R. Pfeiffer Obituary - Visitation & Funeral Information - washburn-mcreavy.com](https://news.google.com/rss/articles/CBMibEFVX3lxTE1tLU5teUpwV1ByUFpUOVlRNjhpS1RRTGVxVW91c3NoeWJOZ2hMRXpfSVlJSEMybmxYSTlGa20xR0pnYzN1T2VDTlNsN2Y1QWdvcVUzUVhDTmZtQjBjN2diV195QnFHeVVuUGR3Sg?oc=5) · washburn-mcreavy.com
- 2026-05-06 [Mary Fontaine Obituary - Woodbury, MN - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxQM0JLZmVTWDJXYkNNeHBkdDRQRVUxZV9rRV9tSVZOZlhaa2RtaFMwZXVWR044TmpudW5OVjlxQTRJNm14SUlZZjI2a3BXc1B3MVdUZndrUFJ6RUpEMnBYNVpYZG5IbGltdzVoTlJWY1hvNk5lS1Uxc1NFb2NCUWdiZWNuOA?oc=5) · Dignity Memorial
- 2010-07-20 [Wings hopes to soar with City-County - Pioneer Press](https://news.google.com/rss/articles/CBMigAFBVV95cUxOMEJ3b2pyYmtWd0tIZlR5dFNKeVVkMk5vM2Q3eU04NGRGby0wblhrQ1ZrZk5MNU53bTV0aFFRN3phb0QtU1g2REp3cmY5bjRzemNmb29tTFZZZ25hcW1sdWxMTHUwaHc1WmZsMFhHY1REanpkUjlOcE5naU54VmJvbg?oc=5) · Pioneer Press
- 2010-05-04 [Joseph Bergeron Obituary (2010) - North St Paul, MN - Pioneer Press - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxNMl93OVVwWmFuM1RLc3E2cjZoZkE2VjVPVDRMMU10dkxTSXBFTzJYRFFQclNLQkVtYUFSWVpUcXJSNEw0aklNanVpV05mdFlOUzRfRGhiRFpuVnlwUk02WlZxclllUEh4dUJORURfbUx1WWNPVTBNYk9BSFBZdHZUTHhKU0pDVnllZGw5am5SeEl0UDg?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60255 (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/31.json (key "60255", 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=60255
- 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