4U

Charter #11067 | TX

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

4U has 8 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 8.1% in tier
  • + Organic Growth Leader: Top 11.9% in tier
  • + Relationship Depth Leader: Top 13.1% in tier
  • + Organic Growth Engine: Top 15.7% in tier
  • + Wallet Share Momentum: Top 20.7% in tier
  • + ROA 0.06% above tier average
  • + Net Charge-Off Rate: Top 4.5% in tier
  • + Total Delinquency Rate (60+ days): Top 6.5% in tier

Key Concerns

Areas that may need attention

  • - Growth-at-Risk: Bottom 23.5% in tier
  • - Indirect Auto Dependency: Bottom 26.7% in tier
  • - Efficiency Drag: Bottom 28.5% in tier
  • - Credit Quality Pressure: Bottom 29.4% in tier
  • - Efficiency ratio 3.54% above tier (higher cost structure)

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Members 8,309
+3.3% YoY+0.8% QoQ
 -7.3K 15,628
-3.4% YoY
 26,896
+3.7% YoY
 33,089
+6.1% YoY
 Bottom 18.2% in tier
Assets $144.5M
+7.0% YoY+1.7% QoQ
 $-86.8M $231.3M
-0.0% YoY
 $411.3M
+5.9% YoY
 $547.7M
+7.8% YoY
 28th in tier
Loans $109.4M
+8.3% YoY+1.1% QoQ
 $-38.4M $147.8M
-1.4% YoY
 $295.8M
+5.3% YoY
 $388.7M
+8.6% YoY
 41st in tier
Deposits $129.6M
+6.8% YoY+1.7% QoQ
 $-70.7M $200.3M
-0.0% YoY
 $341.5M
+6.1% YoY
 $464.6M
+9.3% YoY
 30th in tier
ROA 0.9%
+171.8% YoY-22.1% QoQ
 +0.1% 0.8%
+15.5% YoY
 0.5%
-24.0% YoY
 0.7%
+273.4% YoY
 56th in tier
NIM 3.1%
+5.3% YoY+1.8% QoQ
 -0.4% 3.6%
+6.9% YoY
 3.9%
+4.3% YoY
 3.7%
+5.0% YoY
 25th in tier
Efficiency Ratio 80.8%
-11.6% YoY+5.8% QoQ
 +3.5% 77.3%
-3.0% YoY
 79.6%
-0.9% YoY
 79.1%
-3.3% YoY
 64th in tier
Delinquency Rate 0.1%
+2.9% YoY+65.4% QoQ
 -0.7 0.9%
+7.6% YoY
 1.2%
+20.3% YoY
 1.2%
-0.9% YoY
 Bottom 6.5% in tier
Loan To Share 84.4%
+1.4% YoY-0.6% QoQ
 +11.7% 72.7%
-1.5% YoY
 71.8%
-2.5% YoY
 68.0%
-1.7% YoY
 73rd in tier
AMR $28,760
+4.1% YoY+0.6% QoQ
 +$4K $24,363
+2.9% YoY
 $17,515
+1.3% YoY
 $19,418
+1.3% YoY
 Top 20.7% in tier
CD Concentration 31.8%
+20.2% YoY+3.8% QoQ
 +7.3% 24.4%
+4.2% YoY
 20.9%
+7.1% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 16.2%
+34.0% YoY+5.1% QoQ
 +2.2% 14.0%
-5.8% YoY
 7.2%
-0.2% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (5)

Emerging Performer

growth
#152 of 627 • Top 8.1% in tier

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

Why This Signature
Return on Assets: 0.85%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): 3.26%
(Tier: 0.88%, National: 9.37%)
better than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank improving

Organic Growth Leader

growth
#158 of 430 • Top 11.9% in tier

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

Why This Signature
Member Growth (YoY): 3.26%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 1077 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | New qualifier

Relationship Depth Leader

growth
#363 of 1006 • Top 13.1% in tier

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

Why This Signature
AMR Growth (YoY): 4.08%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.2K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Organic Growth Engine

growth
#289 of 603 • Top 15.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 3.26%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.85%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 16.17%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Wallet Share Momentum

growth
#570 of 1006 • Top 20.7% in tier

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

Why This Signature
AMR Growth (YoY): 4.08%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Concerns (4)

Growth-at-Risk

risk
#352 of 446 • Bottom 23.5% in tier

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

Why This Signature
Loan Growth (YoY): 8.28%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.00% points
(Tier: 0.04% points, National: 0.07% points)
but better than tier avg
446 of 1077 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | Rank worsening

Indirect Auto Dependency

risk
#430 of 525 • Bottom 26.7% in tier

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

Why This Signature
Asset Growth (YoY): 7.00%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 16.17%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 3.26%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | New qualifier

Efficiency Drag

risk
#504 of 521 • Bottom 28.5% in tier

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

Why This Signature
Efficiency Ratio: 80.82%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.54% points
(Tier: 0.11% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): 3.26%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank worsening

Credit Quality Pressure

risk
#728 of 736 • Bottom 29.4% in tier

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

Why This Signature
Delinquency Change (YoY): 0.00% points
(Tier: 0.04% points, National: 0.07% points)
but better than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank improving

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 (7 metrics)

49
Net Charge-Off Rate
risk
Value: 0.03%
Peer Avg: 0.47%
#49 of 1077 Top 4.5% in 100M-500M tier
71
Total Delinquency Rate (60+ days)
risk
Value: 0.12%
Peer Avg: 0.86%
#71 of 1077 Top 6.5% in 100M-500M tier
162
Fee Income Per Member
profitability
Value: $244.00
Peer Avg: $174.31
#162 of 1077 Top 14.9% in 100M-500M tier
183
Loan-to-Member Ratio (LMR)
engagement
Value: $13,162
Peer Avg: $10,245
#183 of 1077 Top 16.9% in 100M-500M tier
190
Member Growth Rate
growth
Value: 3.26%
Peer Avg: 0.72%
#190 of 1077 Top 17.5% in 100M-500M tier
223
Average Member Relationship (AMR)
engagement
Value: $28,760
Peer Avg: $24,363
#223 of 1077 Top 20.6% in 100M-500M tier
233
Loan Growth Rate
growth
Value: 8.28%
Peer Avg: 3.45%
#233 of 1077 Top 21.5% in 100M-500M tier

Top Weaknesses (4 metrics)

880
Total Members
engagement
Value: 8,309
Peer Avg: 15,628
#880 of 1077 Bottom 18.4% in 100M-500M tier
877
Members Per Employee (MPE)
engagement
Value: 251.788
Peer Avg: 332.881
#877 of 1077 Bottom 18.7% in 100M-500M tier
876
Net Worth Ratio
risk
Value: 9.36%
Peer Avg: 12.15%
#876 of 1077 Bottom 18.8% in 100M-500M tier
828
Share Certificate Concentration (%)
balance_sheet
Value: 31.75%
Peer Avg: 23.61%
#828 of 1077 Bottom 23.2% in 100M-500M tier