NOTEWORTHY
Charter #13559 | OH
<100M
(2596 CUs)
Micro
($0-$500M)
121 <100M in OH
NOTEWORTHY has 8 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.67% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Deposit Growth Rate: Top 0.8% in tier
- + AMR Growth Rate: Top 1.0% in tier
- + Asset Growth Rate: Top 2.3% in tier
- + Loan Growth Rate: Top 3.5% in tier
- + Members Per Employee (MPE): Top 4.2% in tier
Key Concerns
Areas that may need attention
- - ROA 2.10% below tier average
- - Efficiency ratio 34.41% above tier (higher cost structure)
- - Delinquency rate 0.90% above tier average
- - Member decline: -9.0% YoY
- - Member Growth Rate: Bottom 7.0% in tier
- - Net Worth Ratio: Bottom 7.5% in tier
- - Share Certificate Concentration (%): Bottom 7.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
728
-9.0% YoY+0.1% QoQ
|
-1.9K |
2,625
-2.2% YoY
|
16,553
+5.8% YoY
|
33,089
+6.1% YoY
|
Bottom 20.8% in tier |
| Assets |
$4.6M
+17.3% YoY-11.2% QoQ
|
$-25.2M |
$29.9M
+1.1% YoY
|
$245.2M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
Bottom 18.1% in tier |
| Loans |
$3.9M
+19.2% YoY+4.0% QoQ
|
$-11.9M |
$15.8M
-2.4% YoY
|
$170.6M
+8.7% YoY
|
$388.7M
+8.6% YoY
|
28th in tier |
| Deposits |
$4.6M
+31.7% YoY+11.8% QoQ
|
$-20.8M |
$25.5M
+0.4% YoY
|
$209.1M
+9.7% YoY
|
$464.6M
+9.3% YoY
|
Bottom 21.9% in tier |
| ROA |
-1.4%
-12.8% YoY+39.3% QoQ
|
-2.1% |
0.7%
-731.4% YoY
|
0.5%
-7.3% YoY
|
0.7%
+273.4% YoY
|
Bottom 4.4% in tier |
| NIM |
5.6%
-7.6% YoY+0.0% QoQ
|
+1.7% |
3.9%
+3.8% YoY
|
3.7%
+3.3% YoY
|
3.7%
+5.0% YoY
|
Top 6.5% in tier |
| Efficiency Ratio |
115.8%
-0.9% YoY+8.2% QoQ
|
+34.4% |
81.4%
-2.4% YoY
|
83.9%
+3.6% YoY
|
79.1%
-3.3% YoY
|
Top 4.9% in tier |
| Delinquency Rate |
2.4%
+228.8% YoY+58.2% QoQ
|
+0.9 |
1.5%
-2.0% YoY
|
1.5%
+29.9% YoY
|
1.2%
-0.9% YoY
|
Top 16.1% in tier |
| Loan To Share |
84.0%
-9.5% YoY-7.0% QoQ
|
+22.8% |
61.2%
-3.0% YoY
|
63.8%
-2.4% YoY
|
68.0%
-1.7% YoY
|
Top 18.0% in tier |
| AMR |
$11,640
+38.1% YoY+7.9% QoQ
|
$-3K |
$14,627
-2.7% YoY
|
$17,099
+5.9% YoY
|
$19,418
+1.3% YoY
|
38th in tier |
| CD Concentration |
39.7%
-16.4% YoY+5.2% QoQ
|
+15.3% |
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 (9 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
23
Deposit Growth Rate
growth
Value:
31.72%
Peer Avg: 16.80%
#23 of 2596
Top 0.8% in <100M tier
26
AMR Growth Rate
growth
Value:
38.11%
Peer Avg: 4.67%
#26 of 2596
Top 1.0% in <100M tier
62
Asset Growth Rate
growth
Value:
17.33%
Peer Avg: 1.82%
#62 of 2596
Top 2.3% in <100M tier
93
Loan Growth Rate
growth
Value:
19.17%
Peer Avg: 59.01%
#93 of 2596
Top 3.5% in <100M tier
111
Members Per Employee (MPE)
engagement
Value:
728.000
Peer Avg: 365.701
#111 of 2596
Top 4.2% in <100M tier
170
Net Interest Margin (NIM)
profitability
Value:
5.60%
Peer Avg: 3.93%
#170 of 2596
Top 6.5% in <100M tier
462
Loan-to-Share Ratio
balance_sheet
Value:
84.00%
Peer Avg: 61.23%
#462 of 2596
Top 17.8% in <100M tier
Top Weaknesses (10 metrics)
2483
Return on Assets (ROA)
profitability
Value:
-1.42%
Peer Avg: 0.68%
#2483 of 2596
Bottom 4.4% in <100M tier
2469
Efficiency Ratio
profitability
Value:
115.81%
Peer Avg: 81.39%
#2469 of 2596
Bottom 4.9% in <100M tier
2415
Member Growth Rate
growth
Value:
-9.00%
Peer Avg: 14.92%
#2415 of 2596
Bottom 7.0% in <100M tier
2403
Net Worth Ratio
risk
Value:
8.69%
Peer Avg: 16.43%
#2403 of 2596
Bottom 7.5% in <100M tier
2402
Share Certificate Concentration (%)
balance_sheet
Value:
39.75%
Peer Avg: 15.37%
#2402 of 2596
Bottom 7.5% in <100M tier
2179
Total Delinquency Rate (60+ days)
risk
Value:
2.41%
Peer Avg: 1.51%
#2179 of 2596
Bottom 16.1% in <100M tier
2125
Total Assets
balance_sheet
Value:
$4.63M
Peer Avg: $29.86M
#2125 of 2596
Bottom 18.2% in <100M tier
2056
Total Members
engagement
Value:
728
Peer Avg: 2,626
#2056 of 2596
Bottom 20.8% in <100M tier
2027
Net Charge-Off Rate
risk
Value:
0.70%
Peer Avg: 0.57%
#2027 of 2596
Bottom 22.0% in <100M tier
2027
Total Deposits
balance_sheet
Value:
$4.61M
Peer Avg: $25.45M
#2027 of 2596
Bottom 22.0% in <100M tier