ST. MICHAELS
Charter #11340 | CO
<100M
(2596 CUs)
Micro
($0-$500M)
29 <100M in CO
ST. MICHAELS has 7 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.14% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 2.1% in tier
- + Net Charge-Off Rate: Top 8.8% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.1% YoY
- - Total Members: Bottom 4.2% in tier
- - Total Assets: Bottom 5.5% in tier
- - Total Deposits: Bottom 6.4% in tier
- - Total Loans: Bottom 6.9% in tier
- - Loan Growth Rate: Bottom 9.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
185
-2.1% YoY+1.1% QoQ
|
-2.4K |
2,625
-2.2% YoY
|
38,063
+8.0% YoY
|
33,089
+6.1% YoY
|
Bottom 4.1% in tier |
| Assets |
$991,014
+3.7% YoY+5.4% QoQ
|
$-28.9M |
$29.9M
+1.1% YoY
|
$678.0M
+7.3% YoY
|
$547.7M
+7.8% YoY
|
Bottom 5.5% in tier |
| Loans |
$450,235
-16.8% YoY-3.2% QoQ
|
$-15.3M |
$15.8M
-2.4% YoY
|
$529.4M
+8.0% YoY
|
$388.7M
+8.6% YoY
|
Bottom 6.9% in tier |
| Deposits |
$862,251
+1.3% YoY+6.0% QoQ
|
$-24.6M |
$25.5M
+0.4% YoY
|
$571.8M
+9.1% YoY
|
$464.6M
+9.3% YoY
|
Bottom 6.3% in tier |
| ROA |
1.8%
-261.8% YoY-24.1% QoQ
|
+1.1% |
0.7%
-731.4% YoY
|
0.5%
+8.5% YoY
|
0.7%
+273.4% YoY
|
Top 12.6% in tier |
| NIM |
2.7%
+1.9% YoY-10.6% QoQ
|
-1.2% |
3.9%
+3.8% YoY
|
3.6%
+3.7% YoY
|
3.7%
+5.0% YoY
|
Bottom 11.2% in tier |
| Efficiency Ratio |
39.8%
-71.3% YoY+41.2% QoQ
|
-41.6% |
81.4%
-2.4% YoY
|
80.6%
-2.6% YoY
|
79.1%
-3.3% YoY
|
Bottom 2.1% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.5 |
1.5%
-2.0% YoY
|
0.9%
+6.2% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
52.2%
-17.9% YoY-8.7% QoQ
|
-9.0% |
61.2%
-3.0% YoY
|
72.9%
-3.4% YoY
|
68.0%
-1.7% YoY
|
35th in tier |
| AMR |
$7,095
-3.7% YoY+1.6% QoQ
|
$-8K |
$14,627
-2.7% YoY
|
$22,866
+4.1% YoY
|
$19,418
+1.3% YoY
|
Bottom 15.3% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
26.3%
+7.3% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
12.4%
-8.4% 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 (7 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: 1.51%
#1 of 2596
Top 0.0% in <100M tier
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
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
55
Efficiency Ratio
profitability
Value:
39.83%
Peer Avg: 81.39%
#55 of 2596
Top 2.1% in <100M tier
229
Net Charge-Off Rate
risk
Value:
-0.00%
Peer Avg: 0.57%
#229 of 2596
Top 8.8% in <100M tier
326
Return on Assets (ROA)
profitability
Value:
1.82%
Peer Avg: 0.68%
#326 of 2596
Top 12.5% in <100M tier
Top Weaknesses (11 metrics)
2489
Total Members
engagement
Value:
185
Peer Avg: 2,626
#2489 of 2596
Bottom 4.2% in <100M tier
2453
Total Assets
balance_sheet
Value:
$991,014
Peer Avg: $29.86M
#2453 of 2596
Bottom 5.5% in <100M tier
2432
Total Deposits
balance_sheet
Value:
$862,251
Peer Avg: $25.45M
#2432 of 2596
Bottom 6.4% in <100M tier
2417
Total Loans
balance_sheet
Value:
$450,235
Peer Avg: $15.77M
#2417 of 2596
Bottom 6.9% in <100M tier
2359
Loan Growth Rate
growth
Value:
-16.83%
Peer Avg: 59.01%
#2359 of 2596
Bottom 9.2% in <100M tier
2305
Net Interest Margin (NIM)
profitability
Value:
2.72%
Peer Avg: 3.93%
#2305 of 2596
Bottom 11.2% in <100M tier
2239
Members Per Employee (MPE)
engagement
Value:
185.000
Peer Avg: 365.701
#2239 of 2596
Bottom 13.8% in <100M tier
2199
Average Member Relationship (AMR)
engagement
Value:
$7,095
Peer Avg: $14,627
#2199 of 2596
Bottom 15.3% in <100M tier
2147
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,434
Peer Avg: $5,488
#2147 of 2596
Bottom 17.3% in <100M tier
2039
AMR Growth Rate
growth
Value:
-3.71%
Peer Avg: 4.67%
#2039 of 2596
Bottom 21.5% in <100M tier