FOOTHILL

Charter #12425 | CA

750M-1B (112 CUs) Community (281 CUs)
15 750M-1B in CA

FOOTHILL has 5 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 13.7% in tier
  • + Relationship Depth Leader: Top 19.4% in tier
  • + Organic Growth Engine: Top 19.4% in tier
  • + Wallet Share Momentum: Top 29.7% in tier
  • + Total Delinquency Rate (60+ days): Top 6.2% in tier

Key Concerns

Areas that may need attention

  • - Cost Spiral: Bottom 16.9% in tier
  • - Efficiency Drag: Bottom 21.2% in tier
  • - Growth-at-Risk: Bottom 23.7% in tier
  • - Credit Quality Pressure: Bottom 26.8% in tier
  • - Liquidity Overhang: Bottom 32.7% in tier
  • - ROA 0.08% below tier average
  • - Efficiency ratio 7.03% above tier (higher cost structure)
  • - Total Deposits: Bottom 9.8% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 33,978
+2.9% YoY+1.0% QoQ
 -18.1K 52,114
-2.1% YoY
 59,606
+5.7% YoY
 33,089
+6.1% YoY
 Bottom 13.4% in tier
Assets $774.1M
+1.1% YoY+1.4% QoQ
 $-84.9M $859.0M
+0.0% YoY
 $1.2B
+6.2% YoY
 $547.7M
+7.8% YoY
 Bottom 13.4% in tier
Loans $519.5M
+6.4% YoY+0.9% QoQ
 $-83.9M $603.4M
+1.0% YoY
 $845.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 Bottom 23.2% in tier
Deposits $650.9M
+4.4% YoY+1.1% QoQ
 $-83.2M $734.2M
+0.9% YoY
 $1.0B
+8.8% YoY
 $464.6M
+9.3% YoY
 Bottom 8.9% in tier
ROA 0.6%
-14.6% YoY-10.8% QoQ
 -0.1% 0.7%
+27.6% YoY
 0.6%
+30.0% YoY
 0.7%
+273.4% YoY
 42nd in tier
NIM 2.8%
+3.0% YoY+2.2% QoQ
 -0.6% 3.4%
+9.6% YoY
 3.3%
+6.5% YoY
 3.7%
+5.0% YoY
 Bottom 18.8% in tier
Efficiency Ratio 81.5%
+9.5% YoY+4.2% QoQ
 +7.0% 74.5%
-3.2% YoY
 79.3%
-6.2% YoY
 79.1%
-3.3% YoY
 Top 25.0% in tier
Delinquency Rate 0.2%
+13.5% YoY-3.5% QoQ
 -0.6 0.8%
+5.0% YoY
 0.7%
-38.7% YoY
 1.2%
-0.9% YoY
 Bottom 6.2% in tier
Loan To Share 79.8%
+1.9% YoY-0.2% QoQ
 -2.9% 82.7%
+0.1% YoY
 68.8%
-1.5% YoY
 68.0%
-1.7% YoY
 31st in tier
AMR $34,446
+2.3% YoY-0.0% QoQ
 +$6K $28,651
+2.5% YoY
 $28,514
+2.8% YoY
 $19,418
+1.3% YoY
 Top 20.5% in tier
CD Concentration 37.4%
-5.2% YoY+5.9% QoQ
 +13.0% 24.4%
+4.2% YoY
 21.7%
+4.2% YoY
 19.6%
+6.2% YoY
 Top 11.0% in tier
Indirect Auto % 0.6%
+109.2% QoQ
 -13.3% 14.0%
-5.8% YoY
 9.5%
-6.9% YoY
 7.9%
-2.9% YoY
 35th in tier

Signature Analysis

Strengths (4)

Organic Growth Leader

growth
#182 of 430 • Top 13.7% in tier

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

Why This Signature
Member Growth (YoY): 2.91%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 281 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | New qualifier

Relationship Depth Leader

growth
#536 of 1006 • Top 19.4% in tier

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

Why This Signature
AMR Growth (YoY): 2.28%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $3.6K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Organic Growth Engine

growth
#357 of 603 • Top 19.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.91%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.63%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 0.62%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Wallet Share Momentum

growth
#819 of 1006 • Top 29.7% in tier

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

Why This Signature
AMR Growth (YoY): 2.28%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Concerns (5)

Cost Spiral

risk
#42 of 62 • Bottom 16.9% in tier

Historically lean operator now seeing efficiency ratio rise significantly. Efficiency advantage eroding - early intervention critical.

Why This Signature
Efficiency Ratio Change: 7.06% points
(Tier: -2.84% points, National: -1.81% points)
worse than tier avg
Efficiency Ratio (Prior Year): -
(Tier: -, National: -)
Total Assets: $774.07M
(Tier: $859.01M, National: $547.69M)
worse than tier avg
62 of 281 Community CUs have this signature | 80 nationally
↓ Shrinking -38 CUs YoY | New qualifier

Efficiency Drag

risk
#375 of 521 • Bottom 21.2% in tier

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

Why This Signature
Efficiency Ratio: 81.55%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.11% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): 2.91%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
521 of 281 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | New qualifier

Growth-at-Risk

risk
#356 of 446 • Bottom 23.7% in tier

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

Why This Signature
Loan Growth (YoY): 6.38%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.03% points
(Tier: 0.04% points, National: 0.07% points)
but better than tier avg
446 of 281 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | New qualifier

Credit Quality Pressure

risk
#664 of 736 • Bottom 26.8% in tier

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

Why This Signature
Delinquency Change (YoY): 0.03% points
(Tier: 0.04% points, National: 0.07% points)
but better than tier avg
736 of 281 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | New qualifier

Liquidity Overhang

risk
#506 of 552 • Bottom 32.7% 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: 12.15%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 79.80%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 281 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 112 peers in tier

Top Strengths (4 metrics)

8
Total Delinquency Rate (60+ days)
risk
Value: 0.22%
Peer Avg: 0.82%
#8 of 112 Top 6.2% in 750M-1B tier
23
Indirect Auto Concentration (%)
balance_sheet
Value: 0.62%
Peer Avg: 16.60%
#23 of 112 Top 19.6% in 750M-1B tier
23
Average Member Relationship (AMR)
engagement
Value: $34,446
Peer Avg: $28,651
#23 of 112 Top 19.6% in 750M-1B tier
23
Loan-to-Member Ratio (LMR)
engagement
Value: $15,288
Peer Avg: $12,810
#23 of 112 Top 19.6% in 750M-1B tier

Top Weaknesses (7 metrics)

102
Total Deposits
balance_sheet
Value: $650.94M
Peer Avg: $734.17M
#102 of 112 Bottom 9.8% in 750M-1B tier
97
Total Members
engagement
Value: 33,978
Peer Avg: 52,114
#97 of 112 Bottom 14.3% in 750M-1B tier
97
Total Assets
balance_sheet
Value: $774.07M
Peer Avg: $859.01M
#97 of 112 Bottom 14.3% in 750M-1B tier
96
Share Certificate Concentration (%)
balance_sheet
Value: 37.44%
Peer Avg: 28.34%
#96 of 112 Bottom 15.2% in 750M-1B tier
91
Net Interest Margin (NIM)
profitability
Value: 2.78%
Peer Avg: 3.38%
#91 of 112 Bottom 19.6% in 750M-1B tier
86
Total Loans
balance_sheet
Value: $519.45M
Peer Avg: $603.36M
#86 of 112 Bottom 24.1% in 750M-1B tier
85
Efficiency Ratio
profitability
Value: 81.55%
Peer Avg: 74.52%
#85 of 112 Bottom 25.0% in 750M-1B tier