DIRIGO

Charter #11144 | ME

100M-500M (1077 CUs) Micro
33 100M-500M in ME

DIRIGO has 7 strengths but faces 4 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 20.2% in tier
  • + Organic Growth Engine: Top 24.5% in tier
  • + Relationship Depth Leader: Top 25.4% in tier
  • + Total Loans: Top 0.9% in tier
  • + Total Deposits: Top 1.5% in tier
  • + Total Assets: Top 3.3% in tier
  • + Total Members: Top 9.0% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 7.5% in tier
  • - ROA 0.30% below tier average
  • - Efficiency ratio 0.34% above tier (higher cost structure)
  • - Delinquency rate 0.03% above tier average

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (ME) National Avg Tier Percentile
Members 28,247
+3.6% YoY+1.1% QoQ
 +12.6K 15,628
-3.4% YoY
 15,972
+1.7% YoY
 33,089
+6.1% YoY
 Top 9.1% in tier
Assets $467.9M
+9.0% YoY+0.7% QoQ
 +$236.6M $231.3M
-0.0% YoY
 $270.6M
+5.7% YoY
 $547.7M
+7.8% YoY
 Top 3.4% in tier
Loans $366.0M
+6.5% YoY+2.5% QoQ
 +$218.2M $147.8M
-1.4% YoY
 $188.4M
+4.5% YoY
 $388.7M
+8.6% YoY
 Top 1.0% in tier
Deposits $416.7M
+9.2% YoY+0.7% QoQ
 +$216.4M $200.3M
-0.0% YoY
 $236.4M
+5.3% YoY
 $464.6M
+9.3% YoY
 Top 1.6% in tier
ROA 0.5%
-20.3% YoY-4.2% QoQ
 -0.3% 0.8%
+15.5% YoY
 0.9%
+6.3% YoY
 0.7%
+273.4% YoY
 31st in tier
NIM 2.9%
+2.4% YoY+1.6% QoQ
 -0.7% 3.6%
+6.9% YoY
 3.6%
+6.2% YoY
 3.7%
+5.0% YoY
 Bottom 15.9% in tier
Efficiency Ratio 77.6%
-0.8% YoY+0.2% QoQ
 +0.3% 77.3%
-3.0% YoY
 76.0%
-2.1% YoY
 79.1%
-3.3% YoY
 52nd in tier
Delinquency Rate 0.9%
-7.7% YoY+7.0% QoQ
 +0.0 0.9%
+7.6% YoY
 0.8%
+28.5% YoY
 1.2%
-0.9% YoY
 65th in tier
Loan To Share 87.8%
-2.5% YoY+1.7% QoQ
 +15.1% 72.7%
-1.5% YoY
 75.4%
-1.4% YoY
 68.0%
-1.7% YoY
 Top 19.6% in tier
AMR $27,707
+4.2% YoY+0.5% QoQ
 +$3K $24,363
+2.9% YoY
 $25,292
+3.8% YoY
 $19,418
+1.3% YoY
 Top 24.5% in tier
CD Concentration 30.8%
+9.6% YoY+3.8% QoQ
 +6.4% 24.4%
+4.2% YoY
 25.0%
+4.9% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 31.7%
+7.4% YoY+2.7% QoQ
 +17.7% 14.0%
-5.8% YoY
 15.8%
+6.7% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth
#556 of 1006 • Top 20.2% in tier

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

Why This Signature
AMR Growth (YoY): 4.25%
(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

Organic Growth Engine

growth
#450 of 603 • Top 24.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 3.55%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.49%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 31.70%
(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 | Rank worsening

Relationship Depth Leader

growth
#700 of 1006 • Top 25.4% in tier

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

Why This Signature
AMR Growth (YoY): 4.25%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.3K
(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 (1)

Indirect Auto Dependency

risk
#122 of 525 • Bottom 7.5% in tier

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

Why This Signature
Asset Growth (YoY): 9.00%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 31.70%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 3.55%
(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 | 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 (11 metrics)

11
Total Loans
balance_sheet
Value: $365.97M
Peer Avg: $147.80M
#11 of 1077 Top 0.9% in 100M-500M tier
17
Total Deposits
balance_sheet
Value: $416.66M
Peer Avg: $200.29M
#17 of 1077 Top 1.5% in 100M-500M tier
37
Total Assets
balance_sheet
Value: $467.88M
Peer Avg: $231.30M
#37 of 1077 Top 3.3% in 100M-500M tier
98
Total Members
engagement
Value: 28,247
Peer Avg: 15,628
#98 of 1077 Top 9.0% in 100M-500M tier
152
Deposit Growth Rate
growth
Value: 9.23%
Peer Avg: 4.69%
#152 of 1077 Top 14.0% in 100M-500M tier
166
Member Growth Rate
growth
Value: 3.55%
Peer Avg: 0.72%
#166 of 1077 Top 15.3% in 100M-500M tier
167
Asset Growth Rate
growth
Value: 9.00%
Peer Avg: 4.70%
#167 of 1077 Top 15.4% in 100M-500M tier
196
Loan-to-Member Ratio (LMR)
engagement
Value: $12,956
Peer Avg: $10,245
#196 of 1077 Top 18.1% in 100M-500M tier
211
Loan-to-Share Ratio
balance_sheet
Value: 87.83%
Peer Avg: 72.70%
#211 of 1077 Top 19.5% in 100M-500M tier
261
Members Per Employee (MPE)
engagement
Value: 381.716
Peer Avg: 332.881
#261 of 1077 Top 24.1% in 100M-500M tier

Top Weaknesses (2 metrics)

916
Indirect Auto Concentration (%)
balance_sheet
Value: 31.70%
Peer Avg: 13.34%
#916 of 1077 Bottom 15.0% in 100M-500M tier
906
Net Interest Margin (NIM)
profitability
Value: 2.90%
Peer Avg: 3.58%
#906 of 1077 Bottom 16.0% in 100M-500M tier