MOJAVE PLANT EMPLOYEES
Charter #11900 | CA
<100M
(2596 CUs)
Micro
($0-$500M)
92 <100M in CA
MOJAVE PLANT EMPLOYEES has 5 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.06% 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
Key Concerns
Areas that may need attention
- - ROA 2.17% below tier average
- - Efficiency ratio 9.06% above tier (higher cost structure)
- - Member decline: -9.5% YoY
- - Net Charge-Off Rate: Bottom 3.2% in tier
- - Total Members: Bottom 4.7% in tier
- - Total Assets: Bottom 5.9% in tier
- - Total Deposits: Bottom 6.2% in tier
- - Member Growth Rate: Bottom 6.4% in tier
- - Loan Growth Rate: Bottom 8.0% in tier
- - Total Loans: Bottom 8.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
199
-9.5% YoY+0.5% QoQ
|
-2.4K |
2,625
-2.2% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
Bottom 4.7% in tier |
| Assets |
$1.0M
-2.1% YoY-4.8% QoQ
|
$-28.8M |
$29.9M
+1.1% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
Bottom 5.9% in tier |
| Loans |
$650,910
-17.9% YoY-9.5% QoQ
|
$-15.1M |
$15.8M
-2.4% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 8.8% in tier |
| Deposits |
$852,188
-1.5% YoY-5.5% QoQ
|
$-24.6M |
$25.5M
+0.4% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
Bottom 6.2% in tier |
| ROA |
-1.5%
-160.9% YoY-226.8% QoQ
|
-2.2% |
0.7%
-731.4% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 4.2% in tier |
| NIM |
5.0%
-16.0% YoY+3.4% QoQ
|
+1.1% |
3.9%
+3.8% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
Top 14.3% in tier |
| Efficiency Ratio |
90.5%
+57.2% YoY+18.4% QoQ
|
+9.1% |
81.4%
-2.4% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Top 22.5% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
76.4%
-16.7% YoY-4.2% QoQ
|
+15.1% |
61.2%
-3.0% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
72nd in tier |
| AMR |
$7,553
+0.2% YoY-7.7% QoQ
|
$-7K |
$14,627
-2.7% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
Bottom 17.4% in tier |
| CD Concentration | 0.0% | -24.4% |
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 (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 (5 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
371
Net Interest Margin (NIM)
profitability
Value:
4.99%
Peer Avg: 3.93%
#371 of 2596
Top 14.3% in <100M tier
Top Weaknesses (12 metrics)
2513
Net Charge-Off Rate
risk
Value:
2.91%
Peer Avg: 0.57%
#2513 of 2596
Bottom 3.2% in <100M tier
2488
Return on Assets (ROA)
profitability
Value:
-1.49%
Peer Avg: 0.68%
#2488 of 2596
Bottom 4.2% in <100M tier
2474
Total Members
engagement
Value:
199
Peer Avg: 2,626
#2474 of 2596
Bottom 4.7% in <100M tier
2444
Total Assets
balance_sheet
Value:
$1.04M
Peer Avg: $29.86M
#2444 of 2596
Bottom 5.9% in <100M tier
2436
Total Deposits
balance_sheet
Value:
$852,188
Peer Avg: $25.45M
#2436 of 2596
Bottom 6.2% in <100M tier
2432
Member Growth Rate
growth
Value:
-9.55%
Peer Avg: 14.92%
#2432 of 2596
Bottom 6.4% in <100M tier
2389
Loan Growth Rate
growth
Value:
-17.91%
Peer Avg: 59.01%
#2389 of 2596
Bottom 8.0% in <100M tier
2367
Total Loans
balance_sheet
Value:
$650,910
Peer Avg: $15.77M
#2367 of 2596
Bottom 8.9% in <100M tier
2197
Members Per Employee (MPE)
engagement
Value:
199.000
Peer Avg: 365.701
#2197 of 2596
Bottom 15.4% in <100M tier
2164
Fee Income Per Member
profitability
Value:
$7.57
Peer Avg: $182.96
#2164 of 2596
Bottom 16.7% in <100M tier