KINGS

Charter #10395 | CA

100M-500M (1077 CUs) Micro
63 100M-500M in CA

KINGS has 5 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 16.4% in tier
  • + Relationship Depth Leader: Top 32.9% in tier
  • + Wallet Share Momentum: Top 36.0% in tier
  • + ROA 0.31% above tier average
  • + Members Per Employee (MPE): Top 3.9% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 4.2% in tier
  • - Liquidity Overhang: Bottom 7.1% in tier
  • - Stagnation Risk: Bottom 15.1% in tier
  • - Membership Headwinds: Bottom 27.4% in tier
  • - Institutional Decline: Bottom 30.1% in tier
  • - Indirect Auto Concentration (%): Bottom 1.3% in tier
  • - Fee Income Per Member: Bottom 7.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 9,550
-1.1% YoY+3.6% QoQ
 -6.1K 15,628
-3.4% YoY
 59,606
+5.7% YoY
 33,089
+6.1% YoY
 27th in tier
Assets $156.9M
+2.7% YoY+1.1% QoQ
 $-74.4M $231.3M
-0.0% YoY
 $1.2B
+6.2% YoY
 $547.7M
+7.8% YoY
 33rd in tier
Loans $86.4M
-2.9% YoY+0.1% QoQ
 $-61.4M $147.8M
-1.4% YoY
 $845.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 26th in tier
Deposits $132.2M
+1.1% YoY+0.3% QoQ
 $-68.1M $200.3M
-0.0% YoY
 $1.0B
+8.8% YoY
 $464.6M
+9.3% YoY
 32nd in tier
ROA 1.1%
+37.0% YoY+1.7% QoQ
 +0.3% 0.8%
+15.5% YoY
 0.6%
+30.0% YoY
 0.7%
+273.4% YoY
 72nd in tier
NIM 3.4%
+10.6% YoY+1.2% QoQ
 -0.2% 3.6%
+6.9% YoY
 3.3%
+6.5% YoY
 3.7%
+5.0% YoY
 36th in tier
Efficiency Ratio 67.2%
-7.1% YoY-0.4% QoQ
 -10.1% 77.3%
-3.0% YoY
 79.3%
-6.2% YoY
 79.1%
-3.3% YoY
 Bottom 19.0% in tier
Delinquency Rate 0.2%
-12.4% YoY-8.1% QoQ
 -0.6 0.9%
+7.6% YoY
 0.7%
-38.7% YoY
 1.2%
-0.9% YoY
 Bottom 14.0% in tier
Loan To Share 65.4%
-3.9% YoY-0.3% QoQ
 -7.3% 72.7%
-1.5% YoY
 68.8%
-1.5% YoY
 68.0%
-1.7% YoY
 32nd in tier
AMR $22,897
+0.6% YoY-3.3% QoQ
 $-1K $24,363
+2.9% YoY
 $28,514
+2.8% YoY
 $19,418
+1.3% YoY
 53rd in tier
CD Concentration 22.7%
-3.4% YoY+0.9% QoQ
 -1.7% 24.4%
+4.2% YoY
 21.7%
+4.2% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 69.4%
+1.0% YoY+0.2% QoQ
 +55.5% 14.0%
-5.8% YoY
 9.5%
-6.9% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Emerging Performer

growth
#309 of 627 • Top 16.4% in tier

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

Why This Signature
Return on Assets: 1.10%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): -1.15%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#907 of 1006 • Top 32.9% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 0.61%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $2.5K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Wallet Share Momentum

growth
#993 of 1006 • Top 36.0% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 0.61%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (5)

Indirect Auto Dependency

risk
#68 of 525 • Bottom 4.2% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 2.74%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 69.42%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -1.15%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank worsening

Liquidity Overhang

risk
#111 of 552 • Bottom 7.1% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 15.72%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 65.38%
(Tier: 74.56%, National: 67.96%)
worse than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank improving

Stagnation Risk

risk
#250 of 550 • Bottom 15.1% 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: 1.10%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -1.15%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $22.9K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 22.68%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Membership Headwinds

decline
#451 of 550 • Bottom 27.4% in tier

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

Why This Signature
Member Growth (YoY): -1.15%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Institutional Decline

decline
#238 of 256 • Bottom 30.1% in tier

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

Why This Signature
Total Assets: $156.92M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
Member Growth (YoY): -1.15%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -2.89%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
256 of 1077 Community CUs have this signature | 293 nationally
↓ Shrinking -43 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 1077 peers in tier

Top Strengths (5 metrics)

43
Members Per Employee (MPE)
engagement
Value: 530.556
Peer Avg: 332.881
#43 of 1077 Top 3.9% in 100M-500M tier
133
Net Worth Ratio
risk
Value: 15.72%
Peer Avg: 12.15%
#133 of 1077 Top 12.3% in 100M-500M tier
133
First Mortgage Concentration (%)
balance_sheet
Value: 9.43%
Peer Avg: 30.43%
#133 of 1077 Top 12.3% in 100M-500M tier
152
Total Delinquency Rate (60+ days)
risk
Value: 0.24%
Peer Avg: 0.86%
#152 of 1077 Top 14.0% in 100M-500M tier
206
Efficiency Ratio
profitability
Value: 67.19%
Peer Avg: 77.28%
#206 of 1077 Top 19.0% in 100M-500M tier

Top Weaknesses (3 metrics)

1064
Indirect Auto Concentration (%)
balance_sheet
Value: 69.42%
Peer Avg: 13.34%
#1064 of 1077 Bottom 1.3% in 100M-500M tier
993
Fee Income Per Member
profitability
Value: $82.15
Peer Avg: $174.31
#993 of 1077 Bottom 7.9% in 100M-500M tier
849
Loan Growth Rate
growth
Value: -2.89%
Peer Avg: 3.45%
#849 of 1077 Bottom 21.3% in 100M-500M tier