ONTARIO PUBLIC EMPLOYEES
Charter #13044 | CA
<100M
(2596 CUs)
Micro
($0-$500M)
92 <100M in CA
ONTARIO PUBLIC EMPLOYEES has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.01% above tier average
- + Net Interest Margin 0.68% above tier average
- + Strong member growth: 23.0% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 1.4% in tier
Key Concerns
Areas that may need attention
- - AMR Growth Rate: Bottom 2.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,247
+23.0% YoY+24.8% QoQ
|
-378 |
2,625
-2.2% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
56th in tier |
| Assets |
$23.5M
+1.9% YoY-0.6% QoQ
|
$-6.4M |
$29.9M
+1.1% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
52nd in tier |
| Loans |
$11.3M
-6.0% YoY-0.0% QoQ
|
$-4.5M |
$15.8M
-2.4% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
54th in tier |
| Deposits |
$19.9M
+0.1% YoY-0.9% QoQ
|
$-5.5M |
$25.5M
+0.4% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
52nd in tier |
| ROA |
1.7%
+3.8% YoY-2.9% QoQ
|
+1.0% |
0.7%
-731.4% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
Top 14.9% in tier |
| NIM |
4.6%
+3.2% YoY+3.4% QoQ
|
+0.7% |
3.9%
+3.8% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
Top 23.2% in tier |
| Efficiency Ratio |
62.3%
-2.4% YoY+3.9% QoQ
|
-19.0% |
81.4%
-2.4% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 17.2% in tier |
| Delinquency Rate |
0.9%
-12.7% YoY-15.7% QoQ
|
-0.7 |
1.5%
-2.0% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
57th in tier |
| Loan To Share |
56.8%
-6.1% YoY+0.9% QoQ
|
-4.4% |
61.2%
-3.0% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
43rd in tier |
| AMR |
$13,898
-20.5% YoY-20.3% QoQ
|
$-729 |
$14,627
-2.7% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
51st in tier |
| CD Concentration |
11.1%
-1.4% YoY+1.1% QoQ
|
-13.3% |
24.4%
+4.2% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
9.5%
-6.9% 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
38
Member Growth Rate
growth
Value:
22.99%
Peer Avg: 14.92%
#38 of 2596
Top 1.4% in <100M tier
388
Return on Assets (ROA)
profitability
Value:
1.69%
Peer Avg: 0.68%
#388 of 2596
Top 14.9% in <100M tier
448
Efficiency Ratio
profitability
Value:
62.35%
Peer Avg: 81.39%
#448 of 2596
Top 17.2% in <100M tier
540
Members Per Employee (MPE)
engagement
Value:
449.400
Peer Avg: 365.701
#540 of 2596
Top 20.8% in <100M tier
601
Net Interest Margin (NIM)
profitability
Value:
4.61%
Peer Avg: 3.93%
#601 of 2596
Top 23.1% in <100M tier
Top Weaknesses (1 metrics)
2546
AMR Growth Rate
growth
Value:
-20.49%
Peer Avg: 4.67%
#2546 of 2596
Bottom 2.0% in <100M tier