SERVU

Charter #10933 | NY

100M-500M (1077 CUs) Micro
52 100M-500M in NY

SERVU has 11 strengths but faces 4 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 6.9% in tier
  • + Organic Growth Leader: Top 10.3% in tier
  • + Wallet Share Momentum: Top 26.4% in tier
  • + Relationship Depth Leader: Top 34.3% in tier
  • + ROA 0.11% above tier average
  • + Net Interest Margin 0.21% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Total Assets: Top 0.6% in tier
  • + Total Loans: Top 1.4% in tier
  • + Total Members: Top 1.7% in tier
  • + Total Deposits: Top 1.9% in tier

Key Concerns

Areas that may need attention

  • - Cost Spiral: Bottom 5.3% in tier
  • - Margin Compression: Bottom 10.3% in tier
  • - Liquidity Overhang: Bottom 21.1% in tier
  • - Efficiency ratio 0.65% above tier (higher cost structure)

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Members 39,170
+3.5% YoY+1.1% QoQ
 +23.5K 15,628
-3.4% YoY
 25,964
+5.4% YoY
 33,089
+6.1% YoY
 Top 1.8% in tier
Assets $495.1M
+5.5% YoY-0.8% QoQ
 +$263.8M $231.3M
-0.0% YoY
 $471.3M
+6.4% YoY
 $547.7M
+7.8% YoY
 Top 0.6% in tier
Loans $358.1M
+7.9% YoY+1.5% QoQ
 +$210.3M $147.8M
-1.4% YoY
 $316.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 Top 1.5% in tier
Deposits $416.0M
+5.3% YoY-1.3% QoQ
 +$215.7M $200.3M
-0.0% YoY
 $400.0M
+7.6% YoY
 $464.6M
+9.3% YoY
 Top 2.0% in tier
ROA 0.9%
-34.4% YoY+1.6% QoQ
 +0.1% 0.8%
+15.5% YoY
 0.9%
+294.0% YoY
 0.7%
+273.4% YoY
 60th in tier
NIM 3.8%
+9.1% YoY+1.3% QoQ
 +0.2% 3.6%
+6.9% YoY
 3.6%
+5.0% YoY
 3.7%
+5.0% YoY
 62nd in tier
Efficiency Ratio 77.9%
+14.3% YoY+0.7% QoQ
 +0.7% 77.3%
-3.0% YoY
 80.1%
-6.2% YoY
 79.1%
-3.3% YoY
 53rd in tier
Delinquency Rate 0.7%
-28.6% YoY-0.7% QoQ
 -0.2 0.9%
+7.6% YoY
 1.7%
-8.3% YoY
 1.2%
-0.9% YoY
 50th in tier
Loan To Share 86.1%
+2.5% YoY+2.8% QoQ
 +13.4% 72.7%
-1.5% YoY
 61.5%
-2.3% YoY
 68.0%
-1.7% YoY
 Top 23.2% in tier
AMR $19,761
+2.9% YoY-1.1% QoQ
 $-5K $24,363
+2.9% YoY
 $19,040
-21.7% YoY
 $19,418
+1.3% YoY
 33rd in tier
CD Concentration 15.6%
+4.9% YoY+4.4% QoQ
 -8.8% 24.4%
+4.2% YoY
 15.9%
+8.4% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 2.6%
-3.7% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (4)

Organic Growth Engine

growth
#127 of 603 • Top 6.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 3.49%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.90%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 0.00%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Organic Growth Leader

growth
#137 of 430 • Top 10.3% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 3.49%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 1077 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank improving

Wallet Share Momentum

growth
#729 of 1006 • Top 26.4% in tier

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

Why This Signature
AMR Growth (YoY): 2.92%
(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 | Rank improving

Relationship Depth Leader

growth
#947 of 1006 • Top 34.3% in tier

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

Why This Signature
AMR Growth (YoY): 2.92%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $1.6K
(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 | Rank worsening

Concerns (3)

Cost Spiral

risk
#14 of 62 • Bottom 5.3% in tier

Historically lean operator now seeing efficiency ratio rise significantly. Efficiency advantage eroding - early intervention critical.

Why This Signature
Efficiency Ratio Change: 9.77% points
(Tier: -2.84% points, National: -1.81% points)
worse than tier avg
Efficiency Ratio (Prior Year): -
(Tier: -, National: -)
Total Assets: $495.12M
(Tier: $231.30M, National: $547.69M)
but better than tier avg
62 of 1077 Community CUs have this signature | 80 nationally
↓ Shrinking -38 CUs YoY | New qualifier

Margin Compression

decline
#44 of 136 • Bottom 10.3% in tier

Strong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.

Why This Signature
Return on Assets: 0.90%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
ROA Change (YoY): -0.47% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Total Assets: $495.12M
(Tier: $231.30M, National: $547.69M)
but better than tier avg
136 of 1077 Community CUs have this signature | 169 nationally
↓ Shrinking -43 CUs YoY | New qualifier

Liquidity Overhang

risk
#327 of 552 • Bottom 21.1% 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: 14.92%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 86.08%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank worsening

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 (10 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
7
Total Assets
balance_sheet
Value: $495.12M
Peer Avg: $231.30M
#7 of 1077 Top 0.6% in 100M-500M tier
16
Total Loans
balance_sheet
Value: $358.05M
Peer Avg: $147.80M
#16 of 1077 Top 1.4% in 100M-500M tier
19
Total Members
engagement
Value: 39,170
Peer Avg: 15,628
#19 of 1077 Top 1.7% in 100M-500M tier
22
Total Deposits
balance_sheet
Value: $415.97M
Peer Avg: $200.29M
#22 of 1077 Top 1.9% in 100M-500M tier
168
Net Worth Ratio
risk
Value: 14.92%
Peer Avg: 12.15%
#168 of 1077 Top 15.5% in 100M-500M tier
170
Member Growth Rate
growth
Value: 3.49%
Peer Avg: 0.72%
#170 of 1077 Top 15.7% in 100M-500M tier
248
Loan Growth Rate
growth
Value: 7.92%
Peer Avg: 3.45%
#248 of 1077 Top 22.9% in 100M-500M tier
250
Loan-to-Share Ratio
balance_sheet
Value: 86.08%
Peer Avg: 72.70%
#250 of 1077 Top 23.1% in 100M-500M tier
260
Share Certificate Concentration (%)
balance_sheet
Value: 15.59%
Peer Avg: 23.61%
#260 of 1077 Top 24.0% in 100M-500M tier

Top Weaknesses (0 metrics)

No weakness rankings available