CHARTWAY

Charter #13242 | VA

3B-5B (76 CUs) Mid-Market (380 CUs)
2 3B-5B in VA

CHARTWAY has 5 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 25.7% in tier
  • + Wallet Share Momentum: Top 25.8% in tier
  • + Relationship Depth Leader: Top 31.7% in tier
  • + Net Interest Margin 0.39% above tier average
  • + Strong member growth: 5.2% YoY

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 6.5% in tier
  • - Indirect Auto Dependency: Bottom 8.4% in tier
  • - ROA 0.38% below tier average
  • - Efficiency ratio 4.62% above tier (higher cost structure)
  • - Delinquency rate 0.39% above tier average
  • - Net Worth Ratio: Bottom 6.6% in tier
  • - Total Assets: Bottom 7.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Members 270,071
+5.2% YoY0% QoQ
 +31.6K 238,465
+0.6% YoY
 220,190
+7.3% YoY
 33,089
+6.1% YoY
 71st in tier
Assets $3.2B
+7.5% YoY+2.1% QoQ
 $-766.9M $4.0B
-0.1% YoY
 $2.9B
+6.5% YoY
 $547.7M
+7.8% YoY
 Bottom 6.6% in tier
Loans $2.8B
+13.2% YoY+2.4% QoQ
 $-266.7M $3.0B
+3.3% YoY
 $2.1B
+5.3% YoY
 $388.7M
+8.6% YoY
 32nd in tier
Deposits $2.8B
+3.7% YoY-0.4% QoQ
 $-541.4M $3.3B
+1.1% YoY
 $2.4B
+8.1% YoY
 $464.6M
+9.3% YoY
 Bottom 13.2% in tier
ROA 0.4%
-30.3% YoY+29.9% QoQ
 -0.4% 0.7%
+5.3% YoY
 0.7%
+11.3% YoY
 0.7%
+273.4% YoY
 Bottom 14.5% in tier
NIM 3.6%
-0.2% YoY+0.6% QoQ
 +0.4% 3.2%
+13.7% YoY
 3.9%
+2.0% YoY
 3.7%
+5.0% YoY
 72nd in tier
Efficiency Ratio 75.9%
+10.8% YoY-1.2% QoQ
 +4.6% 71.3%
-0.6% YoY
 80.4%
+0.4% YoY
 79.1%
-3.3% YoY
 74th in tier
Delinquency Rate 1.2%
-6.7% YoY-6.0% QoQ
 +0.4 0.8%
+15.9% YoY
 1.7%
+32.7% YoY
 1.2%
-0.9% YoY
 Top 15.8% in tier
Loan To Share 98.6%
+9.2% YoY+2.8% QoQ
 +7.7% 90.8%
+2.0% YoY
 66.7%
-4.2% YoY
 68.0%
-1.7% YoY
 70th in tier
AMR $20,528
+2.9% YoY+0.9% QoQ
 $-9K $29,088
+0.1% YoY
 $18,613
+1.9% YoY
 $19,418
+1.3% YoY
 Bottom 9.2% in tier
CD Concentration 30.1%
+5.2% YoY+3.4% QoQ
 +1.1% 29.0%
+0.8% YoY
 18.8%
+3.1% YoY
 19.6%
+6.2% YoY
 56th in tier
Indirect Auto % 36.3%
-19.2% YoY-7.1% QoQ
 +17.5% 18.8%
-2.8% YoY
 9.7%
-0.5% YoY
 7.9%
-2.9% YoY
 Top 15.6% in tier

Signature Analysis

Strengths (3)

Organic Growth Engine

growth
#187 of 246 • Top 25.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 5.19%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 0.36%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 36.26%
(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

Wallet Share Momentum

growth
#187 of 264 • Top 25.8% in tier

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

Why This Signature
AMR Growth (YoY): 2.88%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Relationship Depth Leader

growth
#230 of 264 • Top 31.7% in tier

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

Why This Signature
AMR Growth (YoY): 2.88%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $2.2K
(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 | New qualifier

Concerns (2)

Liquidity Strain

risk
#35 of 183 • Bottom 6.5% in tier

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

Why This Signature
Loan-to-Share Ratio: 98.59%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 13.20%
(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

Indirect Auto Dependency

risk
#53 of 202 • Bottom 8.4% in tier

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

Why This Signature
Asset Growth (YoY): 7.45%
(Tier: 5.36%, National: 3.04%)
but better than tier avg
Indirect Auto %: 36.26%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 5.19%
(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

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 76 peers in tier

Top Strengths (2 metrics)

13
Loan Growth Rate
growth
Value: 13.20%
Peer Avg: 9.56%
#13 of 76 Top 15.8% in 3B-5B tier
20
First Mortgage Concentration (%)
balance_sheet
Value: 21.48%
Peer Avg: 34.35%
#20 of 76 Top 25.0% in 3B-5B tier

Top Weaknesses (9 metrics)

72
Net Worth Ratio
risk
Value: 8.21%
Peer Avg: 10.75%
#72 of 76 Bottom 6.6% in 3B-5B tier
71
Total Assets
balance_sheet
Value: $3.20B
Peer Avg: $3.97B
#71 of 76 Bottom 7.9% in 3B-5B tier
69
Average Member Relationship (AMR)
engagement
Value: $20,528
Peer Avg: $29,088
#69 of 76 Bottom 10.5% in 3B-5B tier
66
Total Deposits
balance_sheet
Value: $2.79B
Peer Avg: $3.33B
#66 of 76 Bottom 14.5% in 3B-5B tier
65
Return on Assets (ROA)
profitability
Value: 0.36%
Peer Avg: 0.75%
#65 of 76 Bottom 15.8% in 3B-5B tier
65
Total Delinquency Rate (60+ days)
risk
Value: 1.23%
Peer Avg: 0.84%
#65 of 76 Bottom 15.8% in 3B-5B tier
65
Loan-to-Member Ratio (LMR)
engagement
Value: $10,191
Peer Avg: $13,761
#65 of 76 Bottom 15.8% in 3B-5B tier
63
Indirect Auto Concentration (%)
balance_sheet
Value: 36.26%
Peer Avg: 20.57%
#63 of 76 Bottom 18.4% in 3B-5B tier
61
Net Charge-Off Rate
risk
Value: 0.99%
Peer Avg: 0.64%
#61 of 76 Bottom 21.1% in 3B-5B tier