POWELL SCHOOLS
Charter #12794 | WY
<100M
(2596 CUs)
Micro
($0-$500M)
8 <100M in WY
POWELL SCHOOLS has 4 strengths but faces 4 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
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.68% below tier average
- - Efficiency ratio 15.15% above tier (higher cost structure)
- - Net Interest Margin (NIM): Bottom 2.2% in tier
- - Net Worth Ratio: Bottom 5.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
393
+2.1% YoY+0.8% QoQ
|
-2.2K |
2,625
-2.2% YoY
|
21,805
+7.5% YoY
|
33,089
+6.1% YoY
|
Bottom 10.9% in tier |
| Assets |
$3.5M
+7.3% YoY+0.9% QoQ
|
$-26.4M |
$29.9M
+1.1% YoY
|
$326.6M
+9.9% YoY
|
$547.7M
+7.8% YoY
|
Bottom 14.5% in tier |
| Loans |
$2.7M
+0.6% YoY+2.3% QoQ
|
$-13.1M |
$15.8M
-2.4% YoY
|
$246.2M
+9.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 21.9% in tier |
| Deposits |
$3.2M
+8.0% YoY+1.0% QoQ
|
$-22.3M |
$25.5M
+0.4% YoY
|
$279.6M
+8.1% YoY
|
$464.6M
+9.3% YoY
|
Bottom 16.8% in tier |
| ROA |
0.0%
-54.2% YoY+236.9% QoQ
|
-0.7% |
0.7%
-731.4% YoY
|
1.2%
+23.5% YoY
|
0.7%
+273.4% YoY
|
Bottom 16.6% in tier |
| NIM |
1.6%
-7.1% YoY-0.6% QoQ
|
-2.3% |
3.9%
+3.8% YoY
|
3.9%
+2.2% YoY
|
3.7%
+5.0% YoY
|
Bottom 2.2% in tier |
| Efficiency Ratio |
96.5%
+0.4% YoY-0.2% QoQ
|
+15.1% |
81.4%
-2.4% YoY
|
69.2%
-3.0% YoY
|
79.1%
-3.3% YoY
|
Top 14.3% in tier |
| Delinquency Rate |
1.2%
+5205.4% YoY
|
-0.3 |
1.5%
-2.0% YoY
|
2.1%
+78.2% YoY
|
1.2%
-0.9% YoY
|
66th in tier |
| Loan To Share |
84.6%
-6.8% YoY+1.3% QoQ
|
+23.4% |
61.2%
-3.0% YoY
|
79.1%
-2.4% YoY
|
68.0%
-1.7% YoY
|
Top 17.0% in tier |
| AMR |
$15,040
+2.4% YoY+0.8% QoQ
|
+$413 |
$14,627
-2.7% YoY
|
$22,916
+4.8% YoY
|
$19,418
+1.3% YoY
|
58th in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
26.0%
+2.0% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
19.6%
+0.8% 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)
Top Strengths (8 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
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
345
Deposit Growth Rate
growth
Value:
7.99%
Peer Avg: 16.80%
#345 of 2596
Top 13.3% in <100M tier
398
Asset Growth Rate
growth
Value:
7.30%
Peer Avg: 1.82%
#398 of 2596
Top 15.3% in <100M tier
432
Member Growth Rate
growth
Value:
2.08%
Peer Avg: 14.92%
#432 of 2596
Top 16.6% in <100M tier
437
Loan-to-Share Ratio
balance_sheet
Value:
84.62%
Peer Avg: 61.23%
#437 of 2596
Top 16.8% in <100M tier
Top Weaknesses (10 metrics)
2540
Net Interest Margin (NIM)
profitability
Value:
1.64%
Peer Avg: 3.93%
#2540 of 2596
Bottom 2.2% in <100M tier
2466
Net Worth Ratio
risk
Value:
8.11%
Peer Avg: 16.43%
#2466 of 2596
Bottom 5.0% in <100M tier
2312
Total Members
engagement
Value:
393
Peer Avg: 2,626
#2312 of 2596
Bottom 11.0% in <100M tier
2271
Fee Income Per Member
profitability
Value:
$3.58
Peer Avg: $182.96
#2271 of 2596
Bottom 12.6% in <100M tier
2226
Efficiency Ratio
profitability
Value:
96.54%
Peer Avg: 81.39%
#2226 of 2596
Bottom 14.3% in <100M tier
2219
Total Assets
balance_sheet
Value:
$3.48M
Peer Avg: $29.86M
#2219 of 2596
Bottom 14.6% in <100M tier
2204
Members Per Employee (MPE)
engagement
Value:
196.500
Peer Avg: 365.701
#2204 of 2596
Bottom 15.1% in <100M tier
2166
Return on Assets (ROA)
profitability
Value:
0.01%
Peer Avg: 0.68%
#2166 of 2596
Bottom 16.6% in <100M tier
2161
Total Deposits
balance_sheet
Value:
$3.20M
Peer Avg: $25.45M
#2161 of 2596
Bottom 16.8% in <100M tier
2028
Total Loans
balance_sheet
Value:
$2.71M
Peer Avg: $15.77M
#2028 of 2596
Bottom 21.9% in <100M tier