FRANKFORT COMMUNITY
Charter #13355 | MI
<100M
(2596 CUs)
Micro
($0-$500M)
61 <100M in MI
FRANKFORT COMMUNITY has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 4.09% above tier average
- + Net Interest Margin 1.99% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 4.05% above tier average
- - Member decline: -6.9% YoY
- - Total Delinquency Rate (60+ days): Bottom 5.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,901
-6.9% YoY+0.9% QoQ
|
-724 |
2,625
-2.2% YoY
|
35,456
+8.6% YoY
|
33,089
+6.1% YoY
|
49th in tier |
| Assets |
$17.6M
+1.1% YoY-1.1% QoQ
|
$-12.2M |
$29.9M
+1.1% YoY
|
$650.8M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
45th in tier |
| Loans |
$11.2M
-3.7% YoY-1.7% QoQ
|
$-4.6M |
$15.8M
-2.4% YoY
|
$461.6M
+14.9% YoY
|
$388.7M
+8.6% YoY
|
54th in tier |
| Deposits |
$15.0M
-1.5% YoY-1.9% QoQ
|
$-10.4M |
$25.5M
+0.4% YoY
|
$550.3M
+12.5% YoY
|
$464.6M
+9.3% YoY
|
46th in tier |
| ROA |
4.8%
+893.5% YoY+258.6% QoQ
|
+4.1% |
0.7%
-731.4% YoY
|
0.8%
-27.1% YoY
|
0.7%
+273.4% YoY
|
Top 0.9% in tier |
| NIM |
5.9%
+5.4% YoY-1.0% QoQ
|
+2.0% |
3.9%
+3.8% YoY
|
3.7%
+8.5% YoY
|
3.7%
+5.0% YoY
|
Top 4.5% in tier |
| Efficiency Ratio |
62.2%
-15.1% YoY-4.0% QoQ
|
-19.2% |
81.4%
-2.4% YoY
|
76.1%
-1.3% YoY
|
79.1%
-3.3% YoY
|
Bottom 17.1% in tier |
| Delinquency Rate |
5.6%
+101.8% YoY+26.6% QoQ
|
+4.1 |
1.5%
-2.0% YoY
|
0.9%
-19.7% YoY
|
1.2%
-0.9% YoY
|
Top 5.2% in tier |
| Loan To Share |
74.6%
-2.2% YoY+0.2% QoQ
|
+13.4% |
61.2%
-3.0% YoY
|
68.1%
+0.3% YoY
|
68.0%
-1.7% YoY
|
69th in tier |
| AMR |
$13,809
+4.7% YoY-2.7% QoQ
|
$-818 |
$14,627
-2.7% YoY
|
$22,054
+2.5% YoY
|
$19,418
+1.3% YoY
|
51st in tier |
| CD Concentration |
1.9%
+5137.0% YoY+22.9% QoQ
|
-22.6% |
24.4%
+4.2% YoY
|
18.6%
+6.0% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
11.9%
-2.7% 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 (4 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
23
Return on Assets (ROA)
profitability
Value:
4.77%
Peer Avg: 0.68%
#23 of 2596
Top 0.8% in <100M tier
118
Net Interest Margin (NIM)
profitability
Value:
5.92%
Peer Avg: 3.93%
#118 of 2596
Top 4.5% in <100M tier
446
Efficiency Ratio
profitability
Value:
62.23%
Peer Avg: 81.39%
#446 of 2596
Top 17.1% in <100M tier
Top Weaknesses (3 metrics)
2461
Total Delinquency Rate (60+ days)
risk
Value:
5.56%
Peer Avg: 1.51%
#2461 of 2596
Bottom 5.2% in <100M tier
2328
Member Growth Rate
growth
Value:
-6.86%
Peer Avg: 14.92%
#2328 of 2596
Bottom 10.4% in <100M tier
2299
Net Charge-Off Rate
risk
Value:
1.18%
Peer Avg: 0.57%
#2299 of 2596
Bottom 11.5% in <100M tier