COMMUNITY HEALTHCARE
Charter #12847 | WA
<100M
(2596 CUs)
Micro
($0-$500M)
33 <100M in WA
COMMUNITY HEALTHCARE has 2 strengths but faces 3 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 0.21% below tier average
- - Efficiency ratio 1.63% above tier (higher cost structure)
- - Delinquency rate 0.17% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,342
-0.7% YoY-0.5% QoQ
|
-1.3K |
2,625
-2.2% YoY
|
65,720
+2.5% YoY
|
33,089
+6.1% YoY
|
37th in tier |
| Assets |
$20.2M
+1.1% YoY-3.6% QoQ
|
$-9.6M |
$29.9M
+1.1% YoY
|
$1.2B
+3.7% YoY
|
$547.7M
+7.8% YoY
|
48th in tier |
| Loans |
$10.6M
+4.0% YoY+0.8% QoQ
|
$-5.2M |
$15.8M
-2.4% YoY
|
$909.1M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
53rd in tier |
| Deposits |
$17.4M
-0.7% YoY-3.1% QoQ
|
$-8.0M |
$25.5M
+0.4% YoY
|
$1.0B
+6.5% YoY
|
$464.6M
+9.3% YoY
|
49th in tier |
| ROA |
0.5%
+51.2% YoY+49.7% QoQ
|
-0.2% |
0.7%
-731.4% YoY
|
0.6%
+9.9% YoY
|
0.7%
+273.4% YoY
|
35th in tier |
| NIM |
3.8%
+8.4% YoY+1.4% QoQ
|
-0.1% |
3.9%
+3.8% YoY
|
3.7%
+4.7% YoY
|
3.7%
+5.0% YoY
|
46th in tier |
| Efficiency Ratio |
83.0%
-9.7% YoY-7.2% QoQ
|
+1.6% |
81.4%
-2.4% YoY
|
76.4%
-1.1% YoY
|
79.1%
-3.3% YoY
|
62nd in tier |
| Delinquency Rate |
1.7%
+27.6% YoY+19.2% QoQ
|
+0.2 |
1.5%
-2.0% YoY
|
0.9%
-2.6% YoY
|
1.2%
-0.9% YoY
|
Top 25.0% in tier |
| Loan To Share |
60.8%
+4.6% YoY+4.0% QoQ
|
-0.4% |
61.2%
-3.0% YoY
|
76.9%
-2.2% YoY
|
68.0%
-1.7% YoY
|
49th in tier |
| AMR |
$20,903
+1.8% YoY-1.2% QoQ
|
+$6K |
$14,627
-2.7% YoY
|
$28,761
+2.7% YoY
|
$19,418
+1.3% YoY
|
Top 17.3% in tier |
| CD Concentration |
15.6%
-25.8% YoY-0.3% QoQ
|
-8.8% |
24.4%
+4.2% YoY
|
22.3%
+2.5% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
17.1%
-8.4% 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 (6 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
449
Average Member Relationship (AMR)
engagement
Value:
$20,903
Peer Avg: $14,627
#449 of 2596
Top 17.3% in <100M tier
478
Loan-to-Member Ratio (LMR)
engagement
Value:
$7,905
Peer Avg: $5,488
#478 of 2596
Top 18.4% in <100M tier
550
Fee Income Per Member
profitability
Value:
$126.90
Peer Avg: $182.96
#550 of 2596
Top 21.1% in <100M tier
616
Loan Growth Rate
growth
Value:
3.95%
Peer Avg: 59.01%
#616 of 2596
Top 23.7% in <100M tier
Top Weaknesses (1 metrics)
2083
Members Per Employee (MPE)
engagement
Value:
223.667
Peer Avg: 365.701
#2083 of 2596
Bottom 19.8% in <100M tier