WYMAR

Charter #12330 | LA

100M-500M (1077 CUs) Micro
22 100M-500M in LA

WYMAR has 7 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 10.2% in tier
  • + Organic Growth Engine: Top 15.3% in tier
  • + Organic Growth Leader: Top 20.8% in tier
  • + ROA 0.11% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Average Member Relationship (AMR): Top 2.6% in tier
  • + Loan-to-Member Ratio (LMR): Top 2.6% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 2.8% in tier
  • - Liquidity Overhang: Bottom 16.4% in tier
  • - Margin Compression: Bottom 29.6% in tier
  • - Delinquency rate 0.61% above tier average
  • - Total Members: Bottom 3.5% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Members 5,141
+1.8% YoY+0.4% QoQ
 -10.5K 15,628
-3.4% YoY
 9,352
+2.6% YoY
 33,089
+6.1% YoY
 Bottom 3.4% in tier
Assets $160.2M
+6.1% YoY+0.9% QoQ
 $-71.1M $231.3M
-0.0% YoY
 $121.4M
+4.9% YoY
 $547.7M
+7.8% YoY
 35th in tier
Loans $113.2M
-1.5% YoY+1.6% QoQ
 $-34.6M $147.8M
-1.4% YoY
 $86.9M
+5.1% YoY
 $388.7M
+8.6% YoY
 43rd in tier
Deposits $135.1M
+5.8% YoY+1.0% QoQ
 $-65.2M $200.3M
-0.0% YoY
 $103.9M
+6.5% YoY
 $464.6M
+9.3% YoY
 33rd in tier
ROA 0.9%
-13.6% YoY+10.1% QoQ
 +0.1% 0.8%
+15.5% YoY
 0.5%
+1.1% YoY
 0.7%
+273.4% YoY
 59th in tier
NIM 3.1%
+4.4% YoY+1.2% QoQ
 -0.5% 3.6%
+6.9% YoY
 4.3%
+3.2% YoY
 3.7%
+5.0% YoY
 Bottom 22.9% in tier
Efficiency Ratio 66.3%
-4.6% YoY-3.0% QoQ
 -11.0% 77.3%
-3.0% YoY
 82.9%
-3.6% YoY
 79.1%
-3.3% YoY
 Bottom 16.8% in tier
Delinquency Rate 1.5%
+127.8% YoY+204.5% QoQ
 +0.6 0.9%
+7.6% YoY
 1.8%
-12.2% YoY
 1.2%
-0.9% YoY
 Top 15.3% in tier
Loan To Share 83.8%
-6.9% YoY+0.6% QoQ
 +11.1% 72.7%
-1.5% YoY
 70.9%
-2.6% YoY
 68.0%
-1.7% YoY
 72nd in tier
AMR $48,285
+0.5% YoY+0.9% QoQ
 +$24K $24,363
+2.9% YoY
 $13,297
+2.9% YoY
 $19,418
+1.3% YoY
 Top 2.7% in tier
CD Concentration 36.1%
+8.7% YoY+3.4% QoQ
 +11.7% 24.4%
+4.2% YoY
 15.0%
+9.1% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 5.3%
+10.6% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Emerging Performer

growth
#192 of 627 • Top 10.2% in tier

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

Why This Signature
Return on Assets: 0.90%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): 1.84%
(Tier: 0.88%, National: 9.37%)
better than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank improving

Organic Growth Engine

growth
#281 of 603 • Top 15.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.84%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.90%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 0.00%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Organic Growth Leader

growth
#275 of 430 • Top 20.8% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 1.84%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 1077 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank worsening

Concerns (3)

Credit Quality Pressure

risk
#70 of 736 • Bottom 2.8% in tier

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

Why This Signature
Delinquency Change (YoY): 0.82% 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 | Rank improving

Liquidity Overhang

risk
#254 of 552 • Bottom 16.4% 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: 16.16%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 83.79%
(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 | Rank worsening

Margin Compression

decline
#125 of 136 • Bottom 29.6% in tier

Strong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.

Why This Signature
Return on Assets: 0.90%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
ROA Change (YoY): -0.14% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Total Assets: $160.25M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
136 of 1077 Community CUs have this signature | 169 nationally
↓ Shrinking -43 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 (5 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
29
Average Member Relationship (AMR)
engagement
Value: $48,285
Peer Avg: $24,363
#29 of 1077 Top 2.6% in 100M-500M tier
29
Loan-to-Member Ratio (LMR)
engagement
Value: $22,013
Peer Avg: $10,245
#29 of 1077 Top 2.6% in 100M-500M tier
115
Net Worth Ratio
risk
Value: 16.16%
Peer Avg: 12.15%
#115 of 1077 Top 10.6% in 100M-500M tier
182
Efficiency Ratio
profitability
Value: 66.26%
Peer Avg: 77.28%
#182 of 1077 Top 16.8% in 100M-500M tier

Top Weaknesses (5 metrics)

1040
Total Members
engagement
Value: 5,141
Peer Avg: 15,628
#1040 of 1077 Bottom 3.5% in 100M-500M tier
939
Share Certificate Concentration (%)
balance_sheet
Value: 36.06%
Peer Avg: 23.61%
#939 of 1077 Bottom 12.9% in 100M-500M tier
928
First Mortgage Concentration (%)
balance_sheet
Value: 49.63%
Peer Avg: 30.43%
#928 of 1077 Bottom 13.9% in 100M-500M tier
913
Total Delinquency Rate (60+ days)
risk
Value: 1.47%
Peer Avg: 0.86%
#913 of 1077 Bottom 15.3% in 100M-500M tier
830
Net Interest Margin (NIM)
profitability
Value: 3.09%
Peer Avg: 3.58%
#830 of 1077 Bottom 23.0% in 100M-500M tier