LAREDO

Charter #11011 | TX

100M-500M (1077 CUs) Micro
79 100M-500M in TX

LAREDO has 8 strengths but faces 10 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 14.3% in tier
  • + Emerging Performer: Top 18.8% in tier
  • + Relationship Depth Leader: Top 29.7% in tier
  • + ROA 0.01% above tier average
  • + Net Interest Margin 0.60% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Loan Growth Rate: Top 4.5% in tier
  • + Share Certificate Concentration (%): Top 8.9% in tier

Key Concerns

Areas that may need attention

  • - Growth-at-Risk: Bottom 1.7% in tier
  • - Cost Spiral: Bottom 5.8% in tier
  • - Credit Quality Pressure: Bottom 8.9% in tier
  • - Margin Compression: Bottom 17.4% in tier
  • - Deposit Outflow: Bottom 17.5% in tier
  • - Efficiency Drag: Bottom 24.2% in tier
  • - Efficiency ratio 3.50% above tier (higher cost structure)
  • - Delinquency rate 0.17% above tier average
  • - Average Member Relationship (AMR): Bottom 0.7% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 2.4% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Members 18,026
-0.2% YoY-0.1% QoQ
 +2.4K 15,628
-3.4% YoY
 26,896
+3.7% YoY
 33,089
+6.1% YoY
 68th in tier
Assets $135.2M
+0.4% YoY-0.8% QoQ
 $-96.1M $231.3M
-0.0% YoY
 $411.3M
+5.9% YoY
 $547.7M
+7.8% YoY
 Bottom 22.9% in tier
Loans $76.4M
+17.9% YoY+4.8% QoQ
 $-71.4M $147.8M
-1.4% YoY
 $295.8M
+5.3% YoY
 $388.7M
+8.6% YoY
 Bottom 19.5% in tier
Deposits $123.8M
-0.9% YoY-1.8% QoQ
 $-76.5M $200.3M
-0.0% YoY
 $341.5M
+6.1% YoY
 $464.6M
+9.3% YoY
 28th in tier
ROA 0.8%
-54.9% YoY-2.5% QoQ
 +0.0% 0.8%
+15.5% YoY
 0.5%
-24.0% YoY
 0.7%
+273.4% YoY
 53rd in tier
NIM 4.2%
+5.8% YoY+1.1% QoQ
 +0.6% 3.6%
+6.9% YoY
 3.9%
+4.3% YoY
 3.7%
+5.0% YoY
 Top 17.3% in tier
Efficiency Ratio 80.8%
+20.5% YoY+1.0% QoQ
 +3.5% 77.3%
-3.0% YoY
 79.6%
-0.9% YoY
 79.1%
-3.3% YoY
 64th in tier
Delinquency Rate 1.0%
+51.8% YoY+19.7% QoQ
 +0.2 0.9%
+7.6% YoY
 1.2%
+20.3% YoY
 1.2%
-0.9% YoY
 71st in tier
Loan To Share 61.7%
+19.0% YoY+6.7% QoQ
 -11.0% 72.7%
-1.5% YoY
 71.8%
-2.5% YoY
 68.0%
-1.7% YoY
 Bottom 24.7% in tier
AMR $11,109
+5.8% YoY+0.7% QoQ
 $-13K $24,363
+2.9% YoY
 $17,515
+1.3% YoY
 $19,418
+1.3% YoY
 Bottom 0.6% in tier
CD Concentration 8.7%
+1.9% YoY+1.6% QoQ
 -15.7% 24.4%
+4.2% YoY
 20.9%
+7.1% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 7.2%
-0.2% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth
#394 of 1006 • Top 14.3% in tier

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

Why This Signature
AMR Growth (YoY): 5.76%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Emerging Performer

growth
#353 of 627 • Top 18.8% in tier

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

Why This Signature
Return on Assets: 0.80%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): -0.24%
(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
#820 of 1006 • Top 29.7% in tier

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

Why This Signature
AMR Growth (YoY): 5.76%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $1.1K
(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

Concerns (6)

Growth-at-Risk

risk
#26 of 446 • Bottom 1.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 17.88%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.35% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 1077 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | New qualifier

Cost Spiral

risk
#15 of 62 • Bottom 5.8% in tier

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

Why This Signature
Efficiency Ratio Change: 13.74% points
(Tier: -2.84% points, National: -1.81% points)
worse than tier avg
Efficiency Ratio (Prior Year): -
(Tier: -, National: -)
Total Assets: $135.18M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
62 of 1077 Community CUs have this signature | 80 nationally
↓ Shrinking -38 CUs YoY | New qualifier

Credit Quality Pressure

risk
#221 of 736 • Bottom 8.9% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.35% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | New qualifier

Margin Compression

decline
#74 of 136 • Bottom 17.4% in tier

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

Why This Signature
Return on Assets: 0.80%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
ROA Change (YoY): -0.97% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Total Assets: $135.18M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
136 of 1077 Community CUs have this signature | 169 nationally
↓ Shrinking -43 CUs YoY | New qualifier

Deposit Outflow

decline
#104 of 114 • Bottom 17.5% in tier

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

Why This Signature
Deposit Growth (YoY): -0.91%
(Tier: 4.79%, National: 12.00%)
worse than tier avg
Total Assets: $135.18M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
114 of 1077 Community CUs have this signature | 143 nationally
↓ Shrinking -169 CUs YoY | New qualifier

Efficiency Drag

risk
#427 of 521 • Bottom 24.2% in tier

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

Why This Signature
Efficiency Ratio: 80.78%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.97% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): -0.24%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 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 (6 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
49
Loan Growth Rate
growth
Value: 17.88%
Peer Avg: 3.45%
#49 of 1077 Top 4.5% in 100M-500M tier
97
Share Certificate Concentration (%)
balance_sheet
Value: 8.67%
Peer Avg: 23.61%
#97 of 1077 Top 8.9% in 100M-500M tier
135
Members Per Employee (MPE)
engagement
Value: 439.659
Peer Avg: 332.881
#135 of 1077 Top 12.4% in 100M-500M tier
186
Net Interest Margin (NIM)
profitability
Value: 4.19%
Peer Avg: 3.58%
#186 of 1077 Top 17.2% in 100M-500M tier
233
First Mortgage Concentration (%)
balance_sheet
Value: 15.45%
Peer Avg: 30.43%
#233 of 1077 Top 21.5% in 100M-500M tier

Top Weaknesses (8 metrics)

1070
Average Member Relationship (AMR)
engagement
Value: $11,109
Peer Avg: $24,363
#1070 of 1077 Bottom 0.7% in 100M-500M tier
1052
Loan-to-Member Ratio (LMR)
engagement
Value: $4,240
Peer Avg: $10,245
#1052 of 1077 Bottom 2.4% in 100M-500M tier
964
Fee Income Per Member
profitability
Value: $87.37
Peer Avg: $174.31
#964 of 1077 Bottom 10.6% in 100M-500M tier
935
Deposit Growth Rate
growth
Value: -0.91%
Peer Avg: 4.69%
#935 of 1077 Bottom 13.3% in 100M-500M tier
867
Total Loans
balance_sheet
Value: $76.43M
Peer Avg: $147.80M
#867 of 1077 Bottom 19.6% in 100M-500M tier
855
Asset Growth Rate
growth
Value: 0.37%
Peer Avg: 4.70%
#855 of 1077 Bottom 20.7% in 100M-500M tier
830
Total Assets
balance_sheet
Value: $135.18M
Peer Avg: $231.30M
#830 of 1077 Bottom 23.0% in 100M-500M tier
811
Loan-to-Share Ratio
balance_sheet
Value: 61.74%
Peer Avg: 72.70%
#811 of 1077 Bottom 24.8% in 100M-500M tier