EMBOLD

Charter #11793 | OR

500M-750M (169 CUs) Community (281 CUs)
3 500M-750M in OR

EMBOLD has 2 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 32.4% in tier
  • + Net Interest Margin 0.92% above tier average

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 5.4% in tier
  • - Efficiency Drag: Bottom 7.8% in tier
  • - Shrinking Wallet Share: Bottom 21.7% in tier
  • - Indirect Auto Dependency: Bottom 29.2% in tier
  • - Flatlined Growth: Bottom 41.8% in tier
  • - ROA 0.32% below tier average
  • - Efficiency ratio 6.55% above tier (higher cost structure)

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (OR) National Avg Tier Percentile
Members 36,736
+1.1% YoY+0.1% QoQ
 -3.0K 39,752
-2.7% YoY
 48,799
+9.4% YoY
 33,089
+6.1% YoY
 46th in tier
Assets $597.9M
-1.7% YoY-0.3% QoQ
 $-24.5M $622.4M
+0.3% YoY
 $801.2M
+7.5% YoY
 $547.7M
+7.8% YoY
 41st in tier
Loans $443.9M
+3.3% YoY-1.8% QoQ
 +$7.9M $435.9M
-0.4% YoY
 $546.0M
+10.9% YoY
 $388.7M
+8.6% YoY
 53rd in tier
Deposits $534.2M
-2.3% YoY-0.4% QoQ
 $-3.8M $538.0M
+1.3% YoY
 $683.7M
+7.5% YoY
 $464.6M
+9.3% YoY
 47th in tier
ROA 0.3%
-17.8% YoY+94.0% QoQ
 -0.3% 0.7%
+33.9% YoY
 0.7%
+15.2% YoY
 0.7%
+273.4% YoY
 30th in tier
NIM 4.3%
+10.1% YoY+1.2% QoQ
 +0.9% 3.4%
+8.6% YoY
 3.9%
+7.2% YoY
 3.7%
+5.0% YoY
 Top 4.7% in tier
Efficiency Ratio 84.6%
+4.0% YoY-5.4% QoQ
 +6.6% 78.1%
-3.4% YoY
 76.2%
-3.6% YoY
 79.1%
-3.3% YoY
 Top 23.1% in tier
Delinquency Rate 0.6%
-28.6% YoY-9.2% QoQ
 -0.2 0.8%
-4.9% YoY
 0.9%
-6.6% YoY
 1.2%
-0.9% YoY
 43rd in tier
Loan To Share 83.1%
+5.8% YoY-1.4% QoQ
 +2.1% 81.0%
-1.8% YoY
 76.2%
+0.8% YoY
 68.0%
-1.7% YoY
 50th in tier
AMR $26,624
-0.9% YoY-1.1% QoQ
 +$143 $26,482
+2.6% YoY
 $25,038
+0.5% YoY
 $19,418
+1.3% YoY
 60th in tier
CD Concentration 17.9%
+1.6% YoY+2.8% QoQ
 -6.5% 24.4%
+4.2% YoY
 16.6%
+1.3% YoY
 19.6%
+6.2% YoY
 27th in tier
Indirect Auto % 27.5%
-4.7% YoY-3.6% QoQ
 +13.6% 14.0%
-5.8% YoY
 13.9%
-0.5% YoY
 7.9%
-2.9% YoY
 Top 20.2% in tier

Signature Analysis

Strengths (1)

Organic Growth Engine

growth
#594 of 603 • Top 32.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.08%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.34%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 27.52%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Concerns (5)

Deposit Outflow

decline
#33 of 114 • Bottom 5.4% in tier

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

Why This Signature
Deposit Growth (YoY): -2.33%
(Tier: 4.79%, National: 12.00%)
worse than tier avg
Total Assets: $597.89M
(Tier: $622.38M, National: $547.69M)
worse than tier avg
114 of 281 Community CUs have this signature | 143 nationally
↓ Shrinking -169 CUs YoY | New qualifier

Efficiency Drag

risk
#139 of 521 • Bottom 7.8% in tier

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

Why This Signature
Efficiency Ratio: 84.65%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.07% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): 1.08%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
521 of 281 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank improving

Shrinking Wallet Share

decline
#217 of 244 • Bottom 21.7% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -0.90%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 281 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#470 of 525 • Bottom 29.2% in tier

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

Why This Signature
Asset Growth (YoY): -1.72%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 27.52%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 1.08%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 281 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank worsening

Flatlined Growth

risk
#44 of 58 • Bottom 41.8% in tier

Asset growth has flattened despite healthy profitability. May indicate a need to reassess growth strategy.

Why This Signature
Total Assets: $597.89M
(Tier: $622.38M, National: $547.69M)
worse than tier avg
Asset Growth (YoY): -1.72%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Return on Assets: 0.34%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
58 of 281 Community CUs have this signature | 82 nationally
↑ Growing +10 CUs YoY | Rank worsening

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 169 peers in tier

Top Strengths (3 metrics)

8
Net Interest Margin (NIM)
profitability
Value: 4.35%
Peer Avg: 3.43%
#8 of 169 Top 4.1% in 500M-750M tier
25
Share Certificate Concentration (%)
balance_sheet
Value: 17.94%
Peer Avg: 26.87%
#25 of 169 Top 14.2% in 500M-750M tier
32
First Mortgage Concentration (%)
balance_sheet
Value: 19.06%
Peer Avg: 33.53%
#32 of 169 Top 18.3% in 500M-750M tier

Top Weaknesses (6 metrics)

153
Deposit Growth Rate
growth
Value: -2.33%
Peer Avg: 5.25%
#153 of 169 Bottom 10.1% in 500M-750M tier
142
Asset Growth Rate
growth
Value: -1.72%
Peer Avg: 4.33%
#142 of 169 Bottom 16.6% in 500M-750M tier
140
AMR Growth Rate
growth
Value: -0.90%
Peer Avg: 3.12%
#140 of 169 Bottom 17.8% in 500M-750M tier
131
Efficiency Ratio
profitability
Value: 84.65%
Peer Avg: 78.10%
#131 of 169 Bottom 23.1% in 500M-750M tier
131
Fee Income Per Member
profitability
Value: $147.46
Peer Avg: $199.27
#131 of 169 Bottom 23.1% in 500M-750M tier
129
Indirect Auto Concentration (%)
balance_sheet
Value: 27.52%
Peer Avg: 16.19%
#129 of 169 Bottom 24.3% in 500M-750M tier