ELECTRICAL WORKERS NO 22
Charter #10763 | NE
<100M
(2596 CUs)
Micro
($0-$500M)
34 <100M in NE
ELECTRICAL WORKERS NO 22 has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.22% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 4.8% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.8% YoY
- - Net Worth Ratio: Bottom 3.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,093
-3.8% YoY+0.9% QoQ
|
-532 |
2,625
-2.2% YoY
|
11,261
+2.9% YoY
|
33,089
+6.1% YoY
|
53rd in tier |
| Assets |
$13.1M
+4.9% YoY+0.5% QoQ
|
$-16.8M |
$29.9M
+1.1% YoY
|
$135.7M
+6.0% YoY
|
$547.7M
+7.8% YoY
|
38th in tier |
| Loans |
$5.4M
-2.4% YoY+3.7% QoQ
|
$-10.4M |
$15.8M
-2.4% YoY
|
$98.5M
+7.2% YoY
|
$388.7M
+8.6% YoY
|
36th in tier |
| Deposits |
$12.1M
+4.4% YoY+0.2% QoQ
|
$-13.4M |
$25.5M
+0.4% YoY
|
$114.5M
+4.4% YoY
|
$464.6M
+9.3% YoY
|
41st in tier |
| ROA |
0.9%
+813.9% YoY+21.8% QoQ
|
+0.2% |
0.7%
-731.4% YoY
|
0.7%
+41.5% YoY
|
0.7%
+273.4% YoY
|
57th in tier |
| NIM |
3.9%
+22.7% YoY+4.7% QoQ
|
-0.0% |
3.9%
+3.8% YoY
|
4.0%
+7.0% YoY
|
3.7%
+5.0% YoY
|
50th in tier |
| Efficiency Ratio |
77.2%
-17.2% YoY-2.4% QoQ
|
-4.2% |
81.4%
-2.4% YoY
|
80.8%
-5.9% YoY
|
79.1%
-3.3% YoY
|
47th in tier |
| Delinquency Rate |
0.2%
-80.0% YoY-51.4% QoQ
|
-1.3 |
1.5%
-2.0% YoY
|
1.1%
+1.3% YoY
|
1.2%
-0.9% YoY
|
Bottom 24.8% in tier |
| Loan To Share |
44.6%
-6.5% YoY+3.5% QoQ
|
-16.6% |
61.2%
-3.0% YoY
|
71.7%
-1.6% YoY
|
68.0%
-1.7% YoY
|
Bottom 24.6% in tier |
| AMR |
$8,353
+6.2% YoY+0.4% QoQ
|
$-6K |
$14,627
-2.7% YoY
|
$16,886
+0.6% YoY
|
$19,418
+1.3% YoY
|
Bottom 21.2% in tier |
| CD Concentration |
7.8%
-8.3% YoY+14.8% QoQ
|
-16.6% |
24.4%
+4.2% YoY
|
22.1%
+4.2% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
5.8%
-5.5% 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)
Top Strengths (5 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
125
Members Per Employee (MPE)
engagement
Value:
697.667
Peer Avg: 365.701
#125 of 2596
Top 4.8% in <100M tier
533
AMR Growth Rate
growth
Value:
6.21%
Peer Avg: 4.67%
#533 of 2596
Top 20.5% in <100M tier
644
Total Delinquency Rate (60+ days)
risk
Value:
0.16%
Peer Avg: 1.51%
#644 of 2596
Top 24.8% in <100M tier
Top Weaknesses (4 metrics)
2516
Net Worth Ratio
risk
Value:
7.51%
Peer Avg: 16.43%
#2516 of 2596
Bottom 3.1% in <100M tier
2109
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,578
Peer Avg: $5,488
#2109 of 2596
Bottom 18.8% in <100M tier
2046
Average Member Relationship (AMR)
engagement
Value:
$8,353
Peer Avg: $14,627
#2046 of 2596
Bottom 21.2% in <100M tier
1953
Loan-to-Share Ratio
balance_sheet
Value:
44.63%
Peer Avg: 61.23%
#1953 of 2596
Bottom 24.8% in <100M tier