CLIFTY CREEK EMPLOYEES

Charter #12152 | IN

<100M (2596 CUs) Micro
82 <100M in IN

CLIFTY CREEK EMPLOYEES has 2 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + First Mortgage Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

  • - ROA 1.61% below tier average
  • - Efficiency ratio 15.36% above tier (higher cost structure)
  • - Member decline: -12.0% YoY
  • - Share Certificate Concentration (%): Bottom 3.0% in tier
  • - Loan Growth Rate: Bottom 3.1% in tier
  • - Member Growth Rate: Bottom 4.4% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Members 1,329
-12.0% YoY-2.6% QoQ
 -1.3K 2,625
-2.2% YoY
 22,637
+3.1% YoY
 33,089
+6.1% YoY
 37th in tier
Assets $15.9M
-3.4% YoY+0.2% QoQ
 $-14.0M $29.9M
+1.1% YoY
 $383.9M
+8.8% YoY
 $547.7M
+7.8% YoY
 43rd in tier
Loans $9.8M
-27.7% YoY-8.2% QoQ
 $-5.9M $15.8M
-2.4% YoY
 $276.9M
+7.4% YoY
 $388.7M
+8.6% YoY
 50th in tier
Deposits $13.0M
-4.5% YoY+0.5% QoQ
 $-12.5M $25.5M
+0.4% YoY
 $323.0M
+10.5% YoY
 $464.6M
+9.3% YoY
 42nd in tier
ROA -0.9%
-287.8% YoY+7.3% QoQ
 -1.6% 0.7%
-731.4% YoY
 0.9%
+24.5% YoY
 0.7%
+273.4% YoY
 Bottom 5.8% in tier
NIM 3.0%
+13.4% YoY-1.8% QoQ
 -1.0% 3.9%
+3.8% YoY
 3.8%
+8.0% YoY
 3.7%
+5.0% YoY
 Bottom 16.6% in tier
Efficiency Ratio 96.7%
+19.7% YoY+17.7% QoQ
 +15.4% 81.4%
-2.4% YoY
 77.7%
-3.5% YoY
 79.1%
-3.3% YoY
 Top 14.0% in tier
Delinquency Rate 0.1%
+703.5% YoY-72.1% QoQ
 -1.4 1.5%
-2.0% YoY
 1.3%
+19.3% YoY
 1.2%
-0.9% YoY
 Bottom 20.3% in tier
Loan To Share 75.6%
-24.3% YoY-8.7% QoQ
 +14.4% 61.2%
-3.0% YoY
 69.6%
-2.1% YoY
 68.0%
-1.7% YoY
 71st in tier
AMR $17,160
-4.7% YoY-0.8% QoQ
 +$3K $14,627
-2.7% YoY
 $18,326
+4.3% YoY
 $19,418
+1.3% YoY
 68th in tier
CD Concentration 50.9%
+24.0% YoY-4.6% QoQ
 +26.5% 24.4%
+4.2% YoY
 19.0%
+9.9% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 11.0%
-3.5% 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)

Comparing against 2596 peers in tier

Top Strengths (4 metrics)

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
528
Total Delinquency Rate (60+ days)
risk
Value: 0.09%
Peer Avg: 1.51%
#528 of 2596 Top 20.3% in <100M tier
587
Loan-to-Member Ratio (LMR)
engagement
Value: $7,391
Peer Avg: $5,488
#587 of 2596 Top 22.6% in <100M tier

Top Weaknesses (11 metrics)

2518
Share Certificate Concentration (%)
balance_sheet
Value: 50.86%
Peer Avg: 15.37%
#2518 of 2596 Bottom 3.0% in <100M tier
2516
Loan Growth Rate
growth
Value: -27.72%
Peer Avg: 59.01%
#2516 of 2596 Bottom 3.1% in <100M tier
2484
Member Growth Rate
growth
Value: -11.99%
Peer Avg: 14.92%
#2484 of 2596 Bottom 4.4% in <100M tier
2446
Return on Assets (ROA)
profitability
Value: -0.93%
Peer Avg: 0.68%
#2446 of 2596 Bottom 5.8% in <100M tier
2274
Net Charge-Off Rate
risk
Value: 1.10%
Peer Avg: 0.57%
#2274 of 2596 Bottom 12.4% in <100M tier
2234
Efficiency Ratio
profitability
Value: 96.75%
Peer Avg: 81.39%
#2234 of 2596 Bottom 14.0% in <100M tier
2165
Net Interest Margin (NIM)
profitability
Value: 2.95%
Peer Avg: 3.93%
#2165 of 2596 Bottom 16.6% in <100M tier
2162
Fee Income Per Member
profitability
Value: $7.58
Peer Avg: $182.96
#2162 of 2596 Bottom 16.8% in <100M tier
2121
AMR Growth Rate
growth
Value: -4.66%
Peer Avg: 4.67%
#2121 of 2596 Bottom 18.3% in <100M tier
2088
Deposit Growth Rate
growth
Value: -4.46%
Peer Avg: 16.80%
#2088 of 2596 Bottom 19.6% in <100M tier