ISLAND

Charter #10023 | NY

1B-3B (304 CUs) Mid-Market (380 CUs)
13 1B-3B in NY

ISLAND has 3 strengths but faces 16 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 33.1% in tier
  • + Loan-to-Member Ratio (LMR): Top 5.3% in tier
  • + Average Member Relationship (AMR): Top 6.6% in tier

Key Concerns

Areas that may need attention

  • - Wealth Migration Risk: Bottom 10.9% in tier
  • - Shrinking Wallet Share: Bottom 13.2% in tier
  • - Deposit Outflow: Bottom 18.8% in tier
  • - Accelerating Exit Risk: Bottom 20.5% in tier
  • - Institutional Decline: Bottom 22.5% in tier
  • - Efficiency Drag: Bottom 23.1% in tier
  • - Stagnation Risk: Bottom 25.1% in tier
  • - Membership Headwinds: Bottom 25.5% in tier
  • - ROA 0.54% below tier average
  • - Efficiency ratio 7.37% above tier (higher cost structure)
  • - Share Certificate Concentration (%): Bottom 2.6% in tier
  • - Net Interest Margin (NIM): Bottom 3.0% in tier
  • - Asset Growth Rate: Bottom 3.3% in tier
  • - Loan Growth Rate: Bottom 5.3% in tier
  • - Total Members: Bottom 7.6% in tier
  • - Deposit Growth Rate: Bottom 9.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Members 51,448
-1.3% YoY-0.5% QoQ
 -47.2K 98,678
-1.9% YoY
 25,964
+5.4% YoY
 33,089
+6.1% YoY
 Bottom 7.2% in tier
Assets $1.4B
-7.5% YoY-1.3% QoQ
 $-309.5M $1.7B
+0.5% YoY
 $471.3M
+6.4% YoY
 $547.7M
+7.8% YoY
 38th in tier
Loans $996.5M
-6.5% YoY-2.4% QoQ
 $-236.6M $1.2B
+0.5% YoY
 $316.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 38th in tier
Deposits $1.1B
-1.8% YoY-0.6% QoQ
 $-320.0M $1.5B
+1.3% YoY
 $400.0M
+7.6% YoY
 $464.6M
+9.3% YoY
 36th in tier
ROA 0.2%
-160.1% YoY+90.5% QoQ
 -0.5% 0.7%
+13.4% YoY
 0.9%
+294.0% YoY
 0.7%
+273.4% YoY
 Bottom 7.2% in tier
NIM 2.0%
+15.1% YoY+6.4% QoQ
 -1.3% 3.3%
+9.3% YoY
 3.6%
+5.0% YoY
 3.7%
+5.0% YoY
 Bottom 2.6% in tier
Efficiency Ratio 81.3%
-16.8% YoY-2.4% QoQ
 +7.4% 74.0%
-10.9% YoY
 80.1%
-6.2% YoY
 79.1%
-3.3% YoY
 Top 20.4% in tier
Delinquency Rate 0.8%
-10.3% YoY-11.4% QoQ
 -0.1 0.8%
+6.1% YoY
 1.7%
-8.3% YoY
 1.2%
-0.9% YoY
 57th in tier
Loan To Share 87.9%
-4.7% YoY-1.8% QoQ
 +2.7% 85.2%
-0.8% YoY
 61.5%
-2.3% YoY
 68.0%
-1.7% YoY
 49th in tier
AMR $41,416
-2.8% YoY-0.9% QoQ
 +$12K $29,172
+2.8% YoY
 $19,040
-21.7% YoY
 $19,418
+1.3% YoY
 Top 6.9% in tier
CD Concentration 48.7%
-0.8% YoY+3.0% QoQ
 +19.7% 29.0%
+0.8% YoY
 15.9%
+8.4% YoY
 19.6%
+6.2% YoY
 Top 2.6% in tier
Indirect Auto % 4.2%
-20.9% YoY-7.3% QoQ
 -14.6% 18.8%
-2.8% YoY
 2.6%
-3.7% YoY
 7.9%
-2.9% YoY
 Bottom 23.2% in tier

Signature Analysis

Strengths (1)

Emerging Performer

growth
#176 of 184 • Top 33.1% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.16%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): -1.33%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | New qualifier

Concerns (8)

Wealth Migration Risk

decline
#6 of 10 • Bottom 10.9% in tier

High-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.

Why This Signature
Avg Member Relationship: $41.4K
(Tier: $29.2K, National: $19.4K)
but better than tier avg
AMR Growth (YoY): -2.77%
(Tier: 3.04%, National: 4.19%)
worse than tier avg
Total Assets: $1.41B
(Tier: $1.72B, National: $547.69M)
worse than tier avg
10 of 380 Mid-Market CUs have this signature | 39 nationally
↓ Shrinking -11 CUs YoY

Shrinking Wallet Share

decline
#41 of 83 • Bottom 13.2% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -2.77%
(Tier: 3.04%, National: 4.19%)
worse than tier avg
83 of 380 Mid-Market CUs have this signature | 346 nationally
↓ Shrinking -55 CUs YoY | Rank improving

Deposit Outflow

decline
#24 of 25 • Bottom 18.8% in tier

Members staying but deposits leaving. They're losing to higher-yield competitors - rate pressure is real.

Why This Signature
Deposit Growth (YoY): -1.84%
(Tier: 6.24%, National: 12.00%)
worse than tier avg
Total Assets: $1.41B
(Tier: $1.72B, National: $547.69M)
worse than tier avg
25 of 380 Mid-Market CUs have this signature | 143 nationally
↓ Shrinking -42 CUs YoY | Rank improving

Accelerating Exit Risk

decline
#10 of 13 • Bottom 20.5% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature
Member Growth (YoY): -1.33%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
AMR Growth (YoY): -2.77%
(Tier: 3.04%, National: 4.19%)
worse than tier avg
13 of 380 Mid-Market CUs have this signature | 73 nationally
↓ Shrinking -8 CUs YoY | New qualifier

Institutional Decline

decline
#24 of 31 • Bottom 22.5% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $1.41B
(Tier: $1.72B, National: $547.69M)
worse than tier avg
Member Growth (YoY): -1.33%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -6.47%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
31 of 380 Mid-Market CUs have this signature | 293 nationally
↓ Shrinking -6 CUs YoY | New qualifier

Efficiency Drag

risk
#77 of 96 • Bottom 23.1% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 81.34%
(Tier: 73.45%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.43% points
(Tier: 0.07% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): -1.33%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
96 of 380 Mid-Market CUs have this signature | 624 nationally
↓ Shrinking -32 CUs YoY | Rank worsening

Stagnation Risk

risk
#61 of 85 • Bottom 25.1% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.16%
(Tier: 0.71%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -1.33%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $41.4K
(Tier: $29.2K, National: $19.4K)
but better than tier avg
CD Concentration: 48.67%
(Tier: 28.98%, National: 19.60%)
worse than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 CUs YoY | New qualifier

Membership Headwinds

decline
#62 of 85 • Bottom 25.5% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -1.33%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 CUs YoY | New qualifier

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 304 peers in tier

Top Strengths (3 metrics)

17
Loan-to-Member Ratio (LMR)
engagement
Value: $19,369
Peer Avg: $13,213
#17 of 304 Top 5.3% in 1B-3B tier
21
Average Member Relationship (AMR)
engagement
Value: $41,416
Peer Avg: $29,172
#21 of 304 Top 6.6% in 1B-3B tier
77
Indirect Auto Concentration (%)
balance_sheet
Value: 4.16%
Peer Avg: 18.32%
#77 of 304 Top 25.0% in 1B-3B tier

Top Weaknesses (11 metrics)

297
Share Certificate Concentration (%)
balance_sheet
Value: 48.67%
Peer Avg: 28.53%
#297 of 304 Bottom 2.6% in 1B-3B tier
296
Net Interest Margin (NIM)
profitability
Value: 1.96%
Peer Avg: 3.26%
#296 of 304 Bottom 3.0% in 1B-3B tier
295
Asset Growth Rate
growth
Value: -7.50%
Peer Avg: 4.83%
#295 of 304 Bottom 3.3% in 1B-3B tier
289
Loan Growth Rate
growth
Value: -6.47%
Peer Avg: 5.27%
#289 of 304 Bottom 5.3% in 1B-3B tier
282
Return on Assets (ROA)
profitability
Value: 0.16%
Peer Avg: 0.70%
#282 of 304 Bottom 7.6% in 1B-3B tier
282
Total Members
engagement
Value: 51,448
Peer Avg: 98,678
#282 of 304 Bottom 7.6% in 1B-3B tier
275
Deposit Growth Rate
growth
Value: -1.84%
Peer Avg: 5.58%
#275 of 304 Bottom 9.9% in 1B-3B tier
273
AMR Growth Rate
growth
Value: -2.77%
Peer Avg: 3.29%
#273 of 304 Bottom 10.5% in 1B-3B tier
246
Member Growth Rate
growth
Value: -1.33%
Peer Avg: 2.20%
#246 of 304 Bottom 19.4% in 1B-3B tier
243
Efficiency Ratio
profitability
Value: 81.34%
Peer Avg: 73.97%
#243 of 304 Bottom 20.4% in 1B-3B tier