West St Paul, Minnesota · Peer group 2
First Pace Credit Union
First Pace Credit Union holds $8.8M in assets across 885 members as of Q1 2026 — about $10K of assets per member, on a charter dating to 1963. Charter number 64089, in the <$10M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $8.8M |
|---|---|
| Total loans | $5.7M |
| Total shares (deposits) | $7.2M |
| Net worth | $1.7M |
| Members | 885 |
| Assets per member | $10K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -5.8% | |
|---|---|---|
| Loans | -0.1% | around the 68th percentile of its peer group |
| Deposits | -6.0% | around the 23rd percentile of its peer group |
| Members | -4.4% | around the 22nd percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 79.0% | around the 75th percentile of its peer group |
|---|---|---|
| Net worth ratio | 18.8% | around the 56th percentile of its peer group |
| Return on assets | -0.66% | around the 16th percentile of its peer group |
| Delinquency ratio | 0.00% | around the 11th percentile of its peer group |
| Cash / assets | 4.8% | lower than 93% of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is First Pace Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Minnesota — the comparison set a peer ratio is measured against.
- Electric Machinery Employees Credit Union
MINNEAPOLIS, MN
$8.6M · 748 members
- Alexandria Schools Employees Credit Union
Alexandria, MN
$9.3M · 1,097 members
- Duluth Police Department Employees Credit Union
DULUTH, MN
$8.0M · 693 members
- Riverview Credit Union
SOUTH SAINT PAU, MN
$7.8M · 440 members
- Duluth Fire Department Credit Union
DULUTH, MN
$7.7M · 367 members
- Red Lake Co Op Credit Union
Red Lake Falls, MN
$7.0M · 1,439 members
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