FAMILY TRUST
Charter #11554 | SC
FAMILY TRUST has 5 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 10.4% in tier
- + Relationship Depth Leader: Top 35.5% in tier
- + Wallet Share Momentum: Top 36.1% in tier
- + ROA 0.41% above tier average
- + Net Interest Margin 0.33% above tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 11.0% in tier
- - Credit Quality Pressure: Bottom 21.3% in tier
- - Growth-at-Risk: Bottom 21.7% in tier
- - Liquidity Strain: Bottom 28.3% in tier
- - Indirect Auto Dependency: Bottom 29.1% in tier
- - Total Assets: Bottom 7.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
58,210
+3.6% YoY+0.7% QoQ
|
+6.1K |
52,114
-2.1% YoY
|
37,124
+2.2% YoY
|
33,089
+6.1% YoY
|
63rd in tier |
| Assets |
$766.3M
+3.5% YoY+0.5% QoQ
|
$-92.7M |
$859.0M
+0.0% YoY
|
$514.3M
+4.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 6.2% in tier |
| Loans |
$593.4M
+5.6% YoY+0.7% QoQ
|
$-9.9M |
$603.4M
+1.0% YoY
|
$362.8M
+7.0% YoY
|
$388.7M
+8.6% YoY
|
43rd in tier |
| Deposits |
$651.2M
+2.9% YoY+0.2% QoQ
|
$-83.0M |
$734.2M
+0.9% YoY
|
$433.3M
+6.0% YoY
|
$464.6M
+9.3% YoY
|
Bottom 9.8% in tier |
| ROA |
1.1%
-17.4% YoY+0.1% QoQ
|
+0.4% |
0.7%
+27.6% YoY
|
1.2%
+18.8% YoY
|
0.7%
+273.4% YoY
|
Top 22.3% in tier |
| NIM |
3.7%
+4.1% YoY+0.3% QoQ
|
+0.3% |
3.4%
+9.6% YoY
|
4.3%
+2.6% YoY
|
3.7%
+5.0% YoY
|
70th in tier |
| Efficiency Ratio |
69.5%
+4.6% YoY+2.2% QoQ
|
-5.0% |
74.5%
-3.2% YoY
|
75.1%
-1.9% YoY
|
79.1%
-3.3% YoY
|
30th in tier |
| Delinquency Rate |
0.6%
+14.1% YoY+16.5% QoQ
|
-0.2 |
0.8%
+5.0% YoY
|
0.9%
+10.3% YoY
|
1.2%
-0.9% YoY
|
45th in tier |
| Loan To Share |
91.1%
+2.6% YoY+0.4% QoQ
|
+8.5% |
82.7%
+0.1% YoY
|
71.3%
-1.2% YoY
|
68.0%
-1.7% YoY
|
67th in tier |
| AMR |
$21,382
+0.6% YoY-0.2% QoQ
|
$-7K |
$28,651
+2.5% YoY
|
$16,641
+2.9% YoY
|
$19,418
+1.3% YoY
|
27th in tier |
| CD Concentration |
29.6%
+2.4% YoY+2.4% QoQ
|
+5.2% |
24.4%
+4.2% YoY
|
17.4%
+3.6% YoY
|
19.6%
+6.2% YoY
|
69th in tier |
| Indirect Auto % |
20.5%
-3.3% YoY-4.1% QoQ
|
+6.5% |
14.0%
-5.8% YoY
|
5.9%
-5.3% YoY
|
7.9%
-2.9% YoY
|
72nd in tier |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Relationship Depth Leader
growthAverage member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Wallet Share Momentum
growthAverage member relationship growing year-over-year. Members are deepening their engagement.
Concerns (5)
Margin Compression
declineStrong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Growth-at-Risk
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)