EFCU FINANCIAL

Charter #13 | LA

1B-3B (304 CUs) Mid-Market (380 CUs)
4 1B-3B in LA

EFCU FINANCIAL has 7 strengths but faces 4 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 5.1% in tier
  • + Wallet Share Momentum: Top 16.6% in tier
  • + Organic Growth Engine: Top 19.2% in tier
  • + Relationship Depth Leader: Top 29.2% in tier
  • + ROA 0.27% above tier average
  • + Members Per Employee (MPE): Top 6.2% in tier
  • + Loan-to-Share Ratio: Top 9.9% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 1.5% in tier
  • - Liquidity Strain: Bottom 4.6% in tier
  • - Indirect Auto Concentration (%): Bottom 2.0% in tier
  • - Share Certificate Concentration (%): Bottom 2.0% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Members 70,187
+3.9% YoY+1.2% QoQ
 -28.5K 98,678
-1.9% YoY
 9,352
+2.6% YoY
 33,089
+6.1% YoY
 26th in tier
Assets $1.2B
+8.1% YoY-0.8% QoQ
 $-503.0M $1.7B
+0.5% YoY
 $121.4M
+4.9% YoY
 $547.7M
+7.8% YoY
 Bottom 22.7% in tier
Loans $1.1B
+9.2% YoY+1.4% QoQ
 $-152.0M $1.2B
+0.5% YoY
 $86.9M
+5.1% YoY
 $388.7M
+8.6% YoY
 48th in tier
Deposits $1.1B
+8.7% YoY-0.6% QoQ
 $-395.9M $1.5B
+1.3% YoY
 $103.9M
+6.5% YoY
 $464.6M
+9.3% YoY
 26th in tier
ROA 1.0%
+10.3% YoY+0.5% QoQ
 +0.3% 0.7%
+13.4% YoY
 0.5%
+1.1% YoY
 0.7%
+273.4% YoY
 75th in tier
NIM 2.6%
+15.6% YoY+2.7% QoQ
 -0.6% 3.3%
+9.3% YoY
 4.3%
+3.2% YoY
 3.7%
+5.0% YoY
 Bottom 15.8% in tier
Efficiency Ratio 66.1%
-1.1% YoY+2.3% QoQ
 -7.9% 74.0%
-10.9% YoY
 82.9%
-3.6% YoY
 79.1%
-3.3% YoY
 Bottom 19.7% in tier
Delinquency Rate 0.3%
-5.1% YoY+5.9% QoQ
 -0.5 0.8%
+6.1% YoY
 1.8%
-12.2% YoY
 1.2%
-0.9% YoY
 Bottom 15.5% in tier
Loan To Share 102.1%
+0.4% YoY+2.0% QoQ
 +16.9% 85.2%
-0.8% YoY
 70.9%
-2.6% YoY
 68.0%
-1.7% YoY
 Top 10.2% in tier
AMR $30,482
+4.9% YoY-0.8% QoQ
 +$1K $29,172
+2.8% YoY
 $13,297
+2.9% YoY
 $19,418
+1.3% YoY
 65th in tier
CD Concentration 51.2%
+1.3% YoY-0.4% QoQ
 +22.2% 29.0%
+0.8% YoY
 15.0%
+9.1% YoY
 19.6%
+6.2% YoY
 Top 1.6% in tier
Indirect Auto % 54.3%
-2.6% YoY-0.8% QoQ
 +35.5% 18.8%
-2.8% YoY
 5.3%
+10.6% YoY
 7.9%
-2.9% YoY
 Top 1.6% in tier

Signature Analysis

Strengths (4)

Emerging Performer

growth
#28 of 184 • Top 5.1% in tier

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

Why This Signature
Return on Assets: 0.98%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Member Growth (YoY): 3.87%
(Tier: 3.18%, National: 9.37%)
better than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | Rank improving

Wallet Share Momentum

growth
#121 of 264 • Top 16.6% in tier

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

Why This Signature
AMR Growth (YoY): 4.89%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Organic Growth Engine

growth
#140 of 246 • Top 19.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 3.87%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 0.98%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 54.33%
(Tier: 18.80%, National: 7.90%)
but worse than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#212 of 264 • Top 29.2% in tier

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

Why This Signature
AMR Growth (YoY): 4.89%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $1.7K
(Tier: $3.1K, National: $2.0K)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Concerns (2)

Indirect Auto Dependency

risk
#10 of 202 • Bottom 1.5% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 8.13%
(Tier: 5.36%, National: 3.04%)
but better than tier avg
Indirect Auto %: 54.33%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 3.87%
(Tier: 3.18%, National: 9.37%)
but better than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank worsening

Liquidity Strain

risk
#25 of 183 • Bottom 4.6% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 102.14%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 9.17%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY | Rank improving

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 304 peers in tier

Top Strengths (9 metrics)

20
Members Per Employee (MPE)
engagement
Value: 487.410
Peer Avg: 364.953
#20 of 304 Top 6.2% in 1B-3B tier
31
Loan-to-Share Ratio
balance_sheet
Value: 102.14%
Peer Avg: 85.19%
#31 of 304 Top 9.9% in 1B-3B tier
48
Total Delinquency Rate (60+ days)
risk
Value: 0.32%
Peer Avg: 0.83%
#48 of 304 Top 15.5% in 1B-3B tier
60
Deposit Growth Rate
growth
Value: 8.73%
Peer Avg: 5.58%
#60 of 304 Top 19.4% in 1B-3B tier
61
Efficiency Ratio
profitability
Value: 66.08%
Peer Avg: 73.97%
#61 of 304 Top 19.7% in 1B-3B tier
66
Asset Growth Rate
growth
Value: 8.13%
Peer Avg: 4.83%
#66 of 304 Top 21.4% in 1B-3B tier
68
Loan-to-Member Ratio (LMR)
engagement
Value: $15,403
Peer Avg: $13,213
#68 of 304 Top 22.0% in 1B-3B tier
75
Loan Growth Rate
growth
Value: 9.17%
Peer Avg: 5.27%
#75 of 304 Top 24.3% in 1B-3B tier
77
Return on Assets (ROA)
profitability
Value: 0.98%
Peer Avg: 0.70%
#77 of 304 Top 25.0% in 1B-3B tier

Top Weaknesses (4 metrics)

299
Indirect Auto Concentration (%)
balance_sheet
Value: 54.33%
Peer Avg: 18.32%
#299 of 304 Bottom 2.0% in 1B-3B tier
299
Share Certificate Concentration (%)
balance_sheet
Value: 51.20%
Peer Avg: 28.53%
#299 of 304 Bottom 2.0% in 1B-3B tier
256
Net Interest Margin (NIM)
profitability
Value: 2.63%
Peer Avg: 3.26%
#256 of 304 Bottom 16.1% in 1B-3B tier
235
Total Assets
balance_sheet
Value: $1.22B
Peer Avg: $1.72B
#235 of 304 Bottom 23.0% in 1B-3B tier