SRI

Charter #11872 | CA

100M-500M (1077 CUs) Micro
63 100M-500M in CA

SRI has 7 strengths but faces 10 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 2.0% in tier
  • + Wallet Share Momentum: Top 11.7% in tier
  • + Emerging Performer: Top 23.0% in tier
  • + ROA 0.16% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Loan-to-Member Ratio (LMR): Top 0.5% in tier
  • + Average Member Relationship (AMR): Top 0.6% in tier

Key Concerns

Areas that may need attention

  • - Stagnation Risk: Bottom 3.1% in tier
  • - Credit Quality Pressure: Bottom 15.8% in tier
  • - Membership Headwinds: Bottom 17.8% in tier
  • - Growth-at-Risk: Bottom 22.8% in tier
  • - Liquidity Strain: Bottom 30.5% in tier
  • - Liquidity Overhang: Bottom 35.3% in tier
  • - Member decline: -2.3% YoY
  • - First Mortgage Concentration (%): Bottom 0.6% in tier
  • - Total Members: Bottom 3.4% in tier
  • - Net Interest Margin (NIM): Bottom 6.2% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 5,071
-2.3% YoY-0.6% QoQ
 -10.6K 15,628
-3.4% YoY
 59,606
+5.7% YoY
 33,089
+6.1% YoY
 Bottom 3.3% in tier
Assets $238.0M
+6.4% YoY+0.2% QoQ
 +$6.7M $231.3M
-0.0% YoY
 $1.2B
+6.2% YoY
 $547.7M
+7.8% YoY
 60th in tier
Loans $180.3M
+2.5% YoY-3.2% QoQ
 +$32.5M $147.8M
-1.4% YoY
 $845.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 70th in tier
Deposits $197.7M
+5.3% YoY-0.1% QoQ
 $-2.6M $200.3M
-0.0% YoY
 $1.0B
+8.8% YoY
 $464.6M
+9.3% YoY
 58th in tier
ROA 0.9%
+36.7% YoY-0.3% QoQ
 +0.2% 0.8%
+15.5% YoY
 0.6%
+30.0% YoY
 0.7%
+273.4% YoY
 62nd in tier
NIM 2.5%
+3.4% YoY+3.4% QoQ
 -1.1% 3.6%
+6.9% YoY
 3.3%
+6.5% YoY
 3.7%
+5.0% YoY
 Bottom 6.1% in tier
Efficiency Ratio 63.8%
-11.7% YoY+0.3% QoQ
 -13.5% 77.3%
-3.0% YoY
 79.3%
-6.2% YoY
 79.1%
-3.3% YoY
 Bottom 13.6% in tier
Delinquency Rate 0.3%
+99.9% YoY-55.7% QoQ
 -0.5 0.9%
+7.6% YoY
 0.7%
-38.7% YoY
 1.2%
-0.9% YoY
 Bottom 21.5% in tier
Loan To Share 91.2%
-2.7% YoY-3.1% QoQ
 +18.5% 72.7%
-1.5% YoY
 68.8%
-1.5% YoY
 68.0%
-1.7% YoY
 Top 13.6% in tier
AMR $74,532
+6.4% YoY-1.0% QoQ
 +$50K $24,363
+2.9% YoY
 $28,514
+2.8% YoY
 $19,418
+1.3% YoY
 Top 0.6% in tier
CD Concentration 33.8%
+8.1% YoY-2.8% QoQ
 +9.4% 24.4%
+4.2% YoY
 21.7%
+4.2% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 9.5%
-6.9% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth
#56 of 1006 • Top 2.0% in tier

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

Why This Signature
AMR Growth (YoY): 6.40%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $5.5K
(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

Wallet Share Momentum

growth
#323 of 1006 • Top 11.7% in tier

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

Why This Signature
AMR Growth (YoY): 6.40%
(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

Emerging Performer

growth
#431 of 627 • Top 23.0% in tier

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

Why This Signature
Return on Assets: 0.95%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): -2.33%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank worsening

Concerns (6)

Stagnation Risk

risk
#52 of 550 • Bottom 3.1% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.95%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -2.33%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $74.5K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 33.83%
(Tier: 24.41%, National: 19.60%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Credit Quality Pressure

risk
#392 of 736 • Bottom 15.8% in tier

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

Why This Signature
Delinquency Change (YoY): 0.17% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | New qualifier

Membership Headwinds

decline
#294 of 550 • Bottom 17.8% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -2.33%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Growth-at-Risk

risk
#343 of 446 • Bottom 22.8% in tier

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

Why This Signature
Loan Growth (YoY): 2.46%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 0.17% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 1077 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | New qualifier

Liquidity Strain

risk
#237 of 258 • Bottom 30.5% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 91.20%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 2.46%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
258 of 1077 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | Rank worsening

Liquidity Overhang

risk
#547 of 552 • Bottom 35.3% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 12.03%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 91.20%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | New qualifier

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 (8 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
6
Loan-to-Member Ratio (LMR)
engagement
Value: $35,551
Peer Avg: $10,245
#6 of 1077 Top 0.5% in 100M-500M tier
7
Average Member Relationship (AMR)
engagement
Value: $74,532
Peer Avg: $24,363
#7 of 1077 Top 0.6% in 100M-500M tier
113
Net Charge-Off Rate
risk
Value: 0.07%
Peer Avg: 0.47%
#113 of 1077 Top 10.4% in 100M-500M tier
147
Efficiency Ratio
profitability
Value: 63.78%
Peer Avg: 77.28%
#147 of 1077 Top 13.6% in 100M-500M tier
147
Loan-to-Share Ratio
balance_sheet
Value: 91.20%
Peer Avg: 72.70%
#147 of 1077 Top 13.6% in 100M-500M tier
233
Total Delinquency Rate (60+ days)
risk
Value: 0.34%
Peer Avg: 0.86%
#233 of 1077 Top 21.5% in 100M-500M tier
255
AMR Growth Rate
growth
Value: 6.40%
Peer Avg: 3.64%
#255 of 1077 Top 23.6% in 100M-500M tier

Top Weaknesses (5 metrics)

1071
First Mortgage Concentration (%)
balance_sheet
Value: 80.16%
Peer Avg: 30.43%
#1071 of 1077 Bottom 0.6% in 100M-500M tier
1041
Total Members
engagement
Value: 5,071
Peer Avg: 15,628
#1041 of 1077 Bottom 3.4% in 100M-500M tier
1011
Net Interest Margin (NIM)
profitability
Value: 2.52%
Peer Avg: 3.58%
#1011 of 1077 Bottom 6.2% in 100M-500M tier
887
Share Certificate Concentration (%)
balance_sheet
Value: 33.83%
Peer Avg: 23.61%
#887 of 1077 Bottom 17.7% in 100M-500M tier
829
Member Growth Rate
growth
Value: -2.33%
Peer Avg: 0.72%
#829 of 1077 Bottom 23.1% in 100M-500M tier