LANGLEY
Charter #1261 | VA
5B-7B
(34 CUs)
Large
($5B-$10B)
(64 CUs)
2 5B-7B in VA
LANGLEY has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 12.6% in tier
- + Organic Growth Engine: Top 25.7% in tier
- + Net Interest Margin 0.21% above tier average
- + Total Members: Top 2.9% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 8.1% in tier
- - Liquidity Strain: Bottom 28.2% in tier
- - Shrinking Wallet Share: Bottom 29.2% in tier
- - ROA 0.11% below tier average
- - Delinquency rate 0.57% above tier average
- - Total Delinquency Rate (60+ days): Bottom 5.9% in tier
- - Net Charge-Off Rate: Bottom 5.9% in tier
- - Indirect Auto Concentration (%): Bottom 8.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
400,170
+4.0% YoY+0.9% QoQ
|
+110.4K |
289,724
-2.8% YoY
|
220,190
+7.3% YoY
|
33,089
+6.1% YoY
|
Top 5.9% in tier |
| Assets |
$5.6B
+4.6% YoY+0.4% QoQ
|
$-188.3M |
$5.8B
+0.2% YoY
|
$2.9B
+6.5% YoY
|
$547.7M
+7.8% YoY
|
41st in tier |
| Loans |
$4.6B
+1.6% YoY+0.7% QoQ
|
+$499.9M |
$4.1B
-3.1% YoY
|
$2.1B
+5.3% YoY
|
$388.7M
+8.6% YoY
|
68th in tier |
| Deposits |
$4.8B
+5.0% YoY+0.3% QoQ
|
$-49.0M |
$4.9B
+2.2% YoY
|
$2.4B
+8.1% YoY
|
$464.6M
+9.3% YoY
|
56th in tier |
| ROA |
0.7%
+123.6% YoY+90.6% QoQ
|
-0.1% |
0.8%
+15.5% YoY
|
0.7%
+11.3% YoY
|
0.7%
+273.4% YoY
|
41st in tier |
| NIM |
3.1%
+10.9% YoY+1.1% QoQ
|
+0.2% |
2.9%
+3.9% YoY
|
3.9%
+2.0% YoY
|
3.7%
+5.0% YoY
|
62nd in tier |
| Efficiency Ratio |
60.2%
-10.6% YoY-8.4% QoQ
|
-7.9% |
68.1%
-1.7% YoY
|
80.4%
+0.4% YoY
|
79.1%
-3.3% YoY
|
Bottom 20.6% in tier |
| Delinquency Rate |
1.2%
-13.2% YoY-0.3% QoQ
|
+0.6 |
0.6%
-2.2% YoY
|
1.7%
+32.7% YoY
|
1.2%
-0.9% YoY
|
Top 5.9% in tier |
| Loan To Share |
94.7%
-3.2% YoY+0.5% QoQ
|
+11.1% |
83.6%
-5.7% YoY
|
66.7%
-4.2% YoY
|
68.0%
-1.7% YoY
|
71st in tier |
| AMR |
$23,544
-0.6% YoY-0.4% QoQ
|
$-11K |
$34,398
+4.0% YoY
|
$18,613
+1.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 11.8% in tier |
| CD Concentration |
39.4%
+1.1% YoY-0.2% QoQ
|
+10.6% |
28.9%
-1.3% YoY
|
18.8%
+3.1% YoY
|
19.6%
+6.2% YoY
|
Top 15.6% in tier |
| Indirect Auto % |
37.0%
-8.8% YoY-3.2% QoQ
|
+20.4% |
16.6%
-10.3% YoY
|
9.7%
-0.5% YoY
|
7.9%
-2.9% YoY
|
Top 9.4% in tier |
Signature Analysis
Strengths (2)
Emerging Performer
growth
#12 of 31 • Top 12.6% in tier
Profitable credit union with positive returns. May represent growth potential worth exploring.
Why This Signature
Return on Assets:
0.70%
(Tier:
0.91%, National:
0.71%)
Member Growth (YoY):
3.96%
(Tier:
3.07%, National:
9.37%)
31 of 64 Large CUs have this signature
| 852 nationally
→ Stable (27→31 CUs)
+4 CUs YoY
|
Rank improving
Organic Growth Engine
growth
#39 of 50 • Top 25.7% in tier
Growing membership while maintaining profitability. Healthy fundamentals in place.
Why This Signature
Member Growth (YoY):
3.96%
(Tier:
3.07%, National:
9.37%)
Return on Assets:
0.70%
(Tier:
0.91%, National:
0.71%)
Indirect Auto %:
37.03%
(Tier:
16.60%, National:
7.90%)
50 of 64 Large CUs have this signature
| 917 nationally
→ Stable (52→50 CUs)
-2 CUs YoY
|
Rank improving
Concerns (3)
Indirect Auto Dependency
risk
#9 of 33 • Bottom 8.1% in tier
Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Why This Signature
Asset Growth (YoY):
4.58%
(Tier:
4.60%, National:
3.04%)
Indirect Auto %:
37.03%
(Tier:
16.60%, National:
7.90%)
Member Growth (YoY):
3.96%
(Tier:
3.07%, National:
9.37%)
33 of 64 Large CUs have this signature
| 768 nationally
→ Stable (34→33 CUs)
-1 CUs YoY
|
Rank worsening
Liquidity Strain
risk
#25 of 32 • Bottom 28.2% in tier
Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Why This Signature
Loan-to-Share Ratio:
94.70%
(Tier:
84.48%, National:
67.96%)
Loan Growth (YoY):
1.64%
(Tier:
4.99%, National:
36.38%)
32 of 64 Large CUs have this signature
| 484 nationally
→ Stable (27→32 CUs)
+5 CUs YoY
|
Rank worsening
Shrinking Wallet Share
decline
#15 of 15 • Bottom 29.2% in tier
Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Why This Signature
AMR Growth (YoY):
-0.59%
(Tier:
2.82%, National:
4.19%)
15 of 64 Large CUs have this signature
| 346 nationally
↓ Shrinking
-6 CUs YoY
|
Rank worsening
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 (3 metrics)
2
Total Members
engagement
Value:
400,170
Peer Avg: 289,725
#2 of 34
Top 2.9% in 5B-7B tier
5
Members Per Employee (MPE)
engagement
Value:
557.340
Peer Avg: 430.688
#5 of 34
Top 11.8% in 5B-7B tier
8
Efficiency Ratio
profitability
Value:
60.24%
Peer Avg: 68.13%
#8 of 34
Top 20.6% in 5B-7B tier
Top Weaknesses (9 metrics)
33
Total Delinquency Rate (60+ days)
risk
Value:
1.19%
Peer Avg: 0.62%
#33 of 34
Bottom 5.9% in 5B-7B tier
33
Net Charge-Off Rate
risk
Value:
1.14%
Peer Avg: 0.57%
#33 of 34
Bottom 5.9% in 5B-7B tier
32
Indirect Auto Concentration (%)
balance_sheet
Value:
37.03%
Peer Avg: 14.61%
#32 of 34
Bottom 8.8% in 5B-7B tier
31
Net Worth Ratio
risk
Value:
8.99%
Peer Avg: 10.96%
#31 of 34
Bottom 11.8% in 5B-7B tier
30
AMR Growth Rate
growth
Value:
-0.59%
Peer Avg: 3.75%
#30 of 34
Bottom 14.7% in 5B-7B tier
30
Average Member Relationship (AMR)
engagement
Value:
$23,544
Peer Avg: $34,398
#30 of 34
Bottom 14.7% in 5B-7B tier
29
Share Certificate Concentration (%)
balance_sheet
Value:
39.42%
Peer Avg: 30.59%
#29 of 34
Bottom 17.6% in 5B-7B tier
28
Fee Income Per Member
profitability
Value:
$175.63
Peer Avg: $213.89
#28 of 34
Bottom 20.6% in 5B-7B tier
27
Loan-to-Member Ratio (LMR)
engagement
Value:
$11,451
Peer Avg: $15,308
#27 of 34
Bottom 23.5% in 5B-7B tier