ONE COMMUNITY

Charter #12143 | WV

100M-500M (1077 CUs) Micro
8 100M-500M in WV

ONE COMMUNITY has 1 strength but faces 11 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Net Interest Margin 0.53% above tier average

Key Concerns

Areas that may need attention

  • - Shrinking Wallet Share: Bottom 2.6% in tier
  • - Indirect Auto Dependency: Bottom 24.0% in tier
  • - Efficiency Drag: Bottom 27.9% in tier
  • - ROA 1.53% below tier average
  • - Efficiency ratio 5.26% above tier (higher cost structure)
  • - Delinquency rate 0.42% above tier average
  • - Loan Growth Rate: Bottom 1.2% in tier
  • - AMR Growth Rate: Bottom 2.1% in tier
  • - Total Assets: Bottom 5.1% in tier
  • - Net Charge-Off Rate: Bottom 6.0% in tier
  • - Total Deposits: Bottom 7.1% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (WV) National Avg Tier Percentile
Members 8,362
+3.1% YoY+1.0% QoQ
 -7.3K 15,628
-3.4% YoY
 5,095
+0.6% YoY
 33,089
+6.1% YoY
 Bottom 18.8% in tier
Assets $107.1M
-0.1% YoY-6.7% QoQ
 $-124.2M $231.3M
-0.0% YoY
 $68.6M
+3.5% YoY
 $547.7M
+7.8% YoY
 Bottom 5.0% in tier
Loans $74.4M
-14.0% YoY-2.9% QoQ
 $-73.4M $147.8M
-1.4% YoY
 $38.2M
+0.9% YoY
 $388.7M
+8.6% YoY
 Bottom 18.7% in tier
Deposits $95.6M
+0.3% YoY-7.3% QoQ
 $-104.7M $200.3M
-0.0% YoY
 $58.7M
+3.0% YoY
 $464.6M
+9.3% YoY
 Bottom 7.1% in tier
ROA -0.7%
-183.1% YoY+7.3% QoQ
 -1.5% 0.8%
+15.5% YoY
 1.0%
+49.4% YoY
 0.7%
+273.4% YoY
 Bottom 1.4% in tier
NIM 4.1%
+2.1% YoY+7.0% QoQ
 +0.5% 3.6%
+6.9% YoY
 3.9%
+3.9% YoY
 3.7%
+5.0% YoY
 Top 20.6% in tier
Efficiency Ratio 82.5%
+17.6% YoY-2.2% QoQ
 +5.3% 77.3%
-3.0% YoY
 72.7%
-3.2% YoY
 79.1%
-3.3% YoY
 69th in tier
Delinquency Rate 1.3%
-29.0% YoY+88.6% QoQ
 +0.4 0.9%
+7.6% YoY
 1.3%
-29.4% YoY
 1.2%
-0.9% YoY
 Top 20.1% in tier
Loan To Share 77.8%
-14.3% YoY+4.7% QoQ
 +5.1% 72.7%
-1.5% YoY
 60.8%
-6.8% YoY
 68.0%
-1.7% YoY
 58th in tier
AMR $20,338
-9.3% YoY-6.3% QoQ
 $-4K $24,363
+2.9% YoY
 $14,844
+2.4% YoY
 $19,418
+1.3% YoY
 37th in tier
CD Concentration 15.1%
-36.2% YoY-37.3% QoQ
 -9.3% 24.4%
+4.2% YoY
 16.2%
+7.9% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 36.6%
-17.1% YoY-5.1% QoQ
 +22.7% 14.0%
-5.8% YoY
 2.3%
-13.6% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (3)

Shrinking Wallet Share

decline
#27 of 244 • Bottom 2.6% in tier

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

Why This Signature
AMR Growth (YoY): -9.32%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 1077 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#387 of 525 • Bottom 24.0% in tier

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

Why This Signature
Asset Growth (YoY): -0.06%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 36.62%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 3.12%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank worsening

Efficiency Drag

risk
#493 of 521 • Bottom 27.9% in tier

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

Why This Signature
Efficiency Ratio: 82.54%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -1.63% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): 3.12%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 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 (4 metrics)

200
Member Growth Rate
growth
Value: 3.12%
Peer Avg: 0.72%
#200 of 1077 Top 18.5% in 100M-500M tier
222
Net Interest Margin (NIM)
profitability
Value: 4.12%
Peer Avg: 3.58%
#222 of 1077 Top 20.5% in 100M-500M tier
244
Share Certificate Concentration (%)
balance_sheet
Value: 15.11%
Peer Avg: 23.61%
#244 of 1077 Top 22.6% in 100M-500M tier
258
First Mortgage Concentration (%)
balance_sheet
Value: 16.81%
Peer Avg: 30.43%
#258 of 1077 Top 23.9% in 100M-500M tier

Top Weaknesses (13 metrics)

1065
Loan Growth Rate
growth
Value: -14.01%
Peer Avg: 3.45%
#1065 of 1077 Bottom 1.2% in 100M-500M tier
1062
Return on Assets (ROA)
profitability
Value: -0.74%
Peer Avg: 0.79%
#1062 of 1077 Bottom 1.5% in 100M-500M tier
1055
AMR Growth Rate
growth
Value: -9.32%
Peer Avg: 3.64%
#1055 of 1077 Bottom 2.1% in 100M-500M tier
1023
Total Assets
balance_sheet
Value: $107.06M
Peer Avg: $231.30M
#1023 of 1077 Bottom 5.1% in 100M-500M tier
1013
Net Charge-Off Rate
risk
Value: 1.22%
Peer Avg: 0.47%
#1013 of 1077 Bottom 6.0% in 100M-500M tier
1001
Total Deposits
balance_sheet
Value: $95.63M
Peer Avg: $200.29M
#1001 of 1077 Bottom 7.1% in 100M-500M tier
967
Fee Income Per Member
profitability
Value: $87.15
Peer Avg: $174.31
#967 of 1077 Bottom 10.3% in 100M-500M tier
962
Indirect Auto Concentration (%)
balance_sheet
Value: 36.62%
Peer Avg: 13.34%
#962 of 1077 Bottom 10.8% in 100M-500M tier
881
Asset Growth Rate
growth
Value: -0.06%
Peer Avg: 4.70%
#881 of 1077 Bottom 18.3% in 100M-500M tier
876
Total Loans
balance_sheet
Value: $74.44M
Peer Avg: $147.80M
#876 of 1077 Bottom 18.8% in 100M-500M tier