TAYCO EMPLOYEES

Charter #10177 | KY

<100M (2596 CUs) Micro
37 <100M in KY

TAYCO EMPLOYEES has 4 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + First Mortgage Concentration (%): Top 0.0% in tier
  • + Share Certificate Concentration (%): Top 0.0% in tier
  • + Net Worth Ratio: Top 1.0% in tier

Key Concerns

Areas that may need attention

  • - ROA 0.62% below tier average
  • - Average Member Relationship (AMR): Bottom 6.4% in tier
  • - Total Deposits: Bottom 7.4% in tier
  • - Total Loans: Bottom 8.1% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 8.3% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Members 398
-0.7% YoY-0.5% QoQ
 -2.2K 2,625
-2.2% YoY
 18,350
+6.5% YoY
 33,089
+6.1% YoY
 Bottom 11.1% in tier
Assets $2.1M
-0.4% YoY-0.9% QoQ
 $-27.8M $29.9M
+1.1% YoY
 $291.9M
+10.4% YoY
 $547.7M
+7.8% YoY
 Bottom 10.1% in tier
Loans $569,879
-14.8% YoY+4.0% QoQ
 $-15.2M $15.8M
-2.4% YoY
 $208.5M
+10.3% YoY
 $388.7M
+8.6% YoY
 Bottom 8.1% in tier
Deposits $1.0M
-3.7% YoY-2.6% QoQ
 $-24.4M $25.5M
+0.4% YoY
 $245.3M
+10.3% YoY
 $464.6M
+9.3% YoY
 Bottom 7.3% in tier
ROA 0.1%
-91.0% YoY-110.3% QoQ
 -0.6% 0.7%
-731.4% YoY
 0.2%
-216.5% YoY
 0.7%
+273.4% YoY
 Bottom 18.4% in tier
NIM 3.5%
-13.5% YoY-7.7% QoQ
 -0.5% 3.9%
+3.8% YoY
 3.6%
+4.6% YoY
 3.7%
+5.0% YoY
 33rd in tier
Efficiency Ratio 67.3%
+25.9% YoY-9.3% QoQ
 -14.1% 81.4%
-2.4% YoY
 85.0%
-21.4% YoY
 79.1%
-3.3% YoY
 26th in tier
Delinquency Rate 0.4%
-81.5% YoY-25.9% QoQ
 -1.1 1.5%
-2.0% YoY
 0.8%
-26.3% YoY
 1.2%
-0.9% YoY
 37th in tier
Loan To Share 56.0%
-11.5% YoY+6.7% QoQ
 -5.2% 61.2%
-3.0% YoY
 65.5%
-4.4% YoY
 68.0%
-1.7% YoY
 42nd in tier
AMR $3,987
-7.3% YoY+0.2% QoQ
 $-11K $14,627
-2.7% YoY
 $16,917
+3.2% YoY
 $19,418
+1.3% YoY
 Bottom 6.4% in tier
CD Concentration 0.0% -24.4% 24.4%
+4.2% YoY
 22.1%
-0.3% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 7.8%
-3.4% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2596 peers in tier

Top Strengths (4 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 2.84%
#1 of 2596 Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 14.49%
#1 of 2596 Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 15.37%
#1 of 2596 Top 0.0% in <100M tier
27
Net Worth Ratio
risk
Value: 50.44%
Peer Avg: 16.43%
#27 of 2596 Top 1.0% in <100M tier

Top Weaknesses (12 metrics)

2431
Average Member Relationship (AMR)
engagement
Value: $3,987
Peer Avg: $14,627
#2431 of 2596 Bottom 6.4% in <100M tier
2406
Total Deposits
balance_sheet
Value: $1.02M
Peer Avg: $25.45M
#2406 of 2596 Bottom 7.4% in <100M tier
2386
Total Loans
balance_sheet
Value: $569,879
Peer Avg: $15.77M
#2386 of 2596 Bottom 8.1% in <100M tier
2382
Loan-to-Member Ratio (LMR)
engagement
Value: $1,432
Peer Avg: $5,488
#2382 of 2596 Bottom 8.3% in <100M tier
2334
Total Assets
balance_sheet
Value: $2.05M
Peer Avg: $29.86M
#2334 of 2596 Bottom 10.1% in <100M tier
2308
Total Members
engagement
Value: 398
Peer Avg: 2,626
#2308 of 2596 Bottom 11.1% in <100M tier
2294
Loan Growth Rate
growth
Value: -14.76%
Peer Avg: 59.01%
#2294 of 2596 Bottom 11.7% in <100M tier
2284
AMR Growth Rate
growth
Value: -7.31%
Peer Avg: 4.67%
#2284 of 2596 Bottom 12.1% in <100M tier
2176
Fee Income Per Member
profitability
Value: $6.83
Peer Avg: $182.96
#2176 of 2596 Bottom 16.2% in <100M tier
2118
Return on Assets (ROA)
profitability
Value: 0.07%
Peer Avg: 0.68%
#2118 of 2596 Bottom 18.5% in <100M tier