FASSON EMPLOYEES
Charter #13115 | OH
<100M
(2596 CUs)
Micro
($0-$500M)
121 <100M in OH
FASSON EMPLOYEES has 4 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.59% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 0.1% in tier
Key Concerns
Areas that may need attention
- - Share Certificate Concentration (%): Bottom 9.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,311
-1.1% YoY-1.0% QoQ
|
-1.3K |
2,625
-2.2% YoY
|
16,553
+5.8% YoY
|
33,089
+6.1% YoY
|
36th in tier |
| Assets |
$13.7M
+1.7% YoY+1.0% QoQ
|
$-16.1M |
$29.9M
+1.1% YoY
|
$245.2M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
39th in tier |
| Loans |
$5.4M
-9.1% YoY-3.6% QoQ
|
$-10.3M |
$15.8M
-2.4% YoY
|
$170.6M
+8.7% YoY
|
$388.7M
+8.6% YoY
|
36th in tier |
| Deposits |
$10.9M
+1.0% YoY+0.9% QoQ
|
$-14.6M |
$25.5M
+0.4% YoY
|
$209.1M
+9.7% YoY
|
$464.6M
+9.3% YoY
|
38th in tier |
| ROA |
2.3%
+522.5% YoY+125.9% QoQ
|
+1.6% |
0.7%
-731.4% YoY
|
0.5%
-7.3% YoY
|
0.7%
+273.4% YoY
|
Top 5.5% in tier |
| NIM |
2.9%
+26.8% YoY+1.1% QoQ
|
-1.0% |
3.9%
+3.8% YoY
|
3.7%
+3.3% YoY
|
3.7%
+5.0% YoY
|
Bottom 15.1% in tier |
| Efficiency Ratio |
6.4%
-91.9% YoY-89.3% QoQ
|
-75.0% |
81.4%
-2.4% YoY
|
83.9%
+3.6% YoY
|
79.1%
-3.3% YoY
|
Bottom 0.1% in tier |
| Delinquency Rate |
0.9%
-1.6% YoY+35.5% QoQ
|
-0.6 |
1.5%
-2.0% YoY
|
1.5%
+29.9% YoY
|
1.2%
-0.9% YoY
|
59th in tier |
| Loan To Share |
50.1%
-10.0% YoY-4.4% QoQ
|
-11.2% |
61.2%
-3.0% YoY
|
63.8%
-2.4% YoY
|
68.0%
-1.7% YoY
|
32nd in tier |
| AMR |
$12,435
-1.5% YoY+0.3% QoQ
|
$-2K |
$14,627
-2.7% YoY
|
$17,099
+5.9% YoY
|
$19,418
+1.3% YoY
|
42nd in tier |
| CD Concentration |
36.8%
+18.8% YoY+15.4% QoQ
|
+12.4% |
24.4%
+4.2% YoY
|
19.2%
+8.0% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
11.2%
-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 (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
3
Efficiency Ratio
profitability
Value:
6.43%
Peer Avg: 81.39%
#3 of 2596
Top 0.1% in <100M tier
144
Return on Assets (ROA)
profitability
Value:
2.27%
Peer Avg: 0.68%
#144 of 2596
Top 5.5% in <100M tier
536
Net Worth Ratio
risk
Value:
20.47%
Peer Avg: 16.43%
#536 of 2596
Top 20.6% in <100M tier
576
Members Per Employee (MPE)
engagement
Value:
437.000
Peer Avg: 365.701
#576 of 2596
Top 22.1% in <100M tier
Top Weaknesses (4 metrics)
2342
Share Certificate Concentration (%)
balance_sheet
Value:
36.80%
Peer Avg: 15.37%
#2342 of 2596
Bottom 9.8% in <100M tier
2205
Net Interest Margin (NIM)
profitability
Value:
2.89%
Peer Avg: 3.93%
#2205 of 2596
Bottom 15.1% in <100M tier
2079
Fee Income Per Member
profitability
Value:
$11.05
Peer Avg: $182.96
#2079 of 2596
Bottom 20.0% in <100M tier
1974
Loan Growth Rate
growth
Value:
-9.07%
Peer Avg: 59.01%
#1974 of 2596
Bottom 24.0% in <100M tier