ABNB

Charter #13605 | VA

750M-1B (112 CUs) Community (281 CUs)
1 750M-1B in VA

ABNB has 9 strengths but faces 9 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 2.6% in tier
  • + Relationship Depth Leader: Top 7.9% in tier
  • + Net Interest Margin 0.15% above tier average
  • + Loan Growth Rate: Top 0.9% in tier
  • + Total Loans: Top 3.6% in tier
  • + AMR Growth Rate: Top 4.5% in tier
  • + Asset Growth Rate: Top 5.4% in tier
  • + Total Assets: Top 5.4% in tier
  • + Total Members: Top 6.2% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 7.2% in tier
  • - Growth-at-Risk: Bottom 9.1% in tier
  • - Indirect Auto Dependency: Bottom 12.7% in tier
  • - Efficiency Drag: Bottom 20.0% in tier
  • - Credit Quality Pressure: Bottom 22.8% in tier
  • - ROA 0.59% below tier average
  • - Efficiency ratio 5.92% above tier (higher cost structure)
  • - Delinquency rate 0.13% above tier average
  • - Net Worth Ratio: Bottom 7.1% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Members 76,485
-0.1% YoY+0.6% QoQ
 +24.4K 52,114
-2.1% YoY
 220,190
+7.3% YoY
 33,089
+6.1% YoY
 Top 7.1% in tier
Assets $968.6M
+14.6% YoY+2.4% QoQ
 +$109.6M $859.0M
+0.0% YoY
 $2.9B
+6.5% YoY
 $547.7M
+7.8% YoY
 Top 6.2% in tier
Loans $777.0M
+19.6% YoY+2.3% QoQ
 +$173.6M $603.4M
+1.0% YoY
 $2.1B
+5.3% YoY
 $388.7M
+8.6% YoY
 Top 4.5% in tier
Deposits $815.1M
+6.5% YoY+2.5% QoQ
 +$81.0M $734.2M
+0.9% YoY
 $2.4B
+8.1% YoY
 $464.6M
+9.3% YoY
 Top 15.2% in tier
ROA 0.1%
-70.3% YoY+292.3% QoQ
 -0.6% 0.7%
+27.6% YoY
 0.7%
+11.3% YoY
 0.7%
+273.4% YoY
 Bottom 8.9% in tier
NIM 3.5%
-4.9% YoY-2.8% QoQ
 +0.1% 3.4%
+9.6% YoY
 3.9%
+2.0% YoY
 3.7%
+5.0% YoY
 59th in tier
Efficiency Ratio 80.4%
-0.0% YoY-2.9% QoQ
 +5.9% 74.5%
-3.2% YoY
 80.4%
+0.4% YoY
 79.1%
-3.3% YoY
 70th in tier
Delinquency Rate 1.0%
+6.7% YoY+13.3% QoQ
 +0.1 0.8%
+5.0% YoY
 1.7%
+32.7% YoY
 1.2%
-0.9% YoY
 69th in tier
Loan To Share 95.3%
+12.4% YoY-0.3% QoQ
 +12.7% 82.7%
+0.1% YoY
 66.7%
-4.2% YoY
 68.0%
-1.7% YoY
 Top 17.9% in tier
AMR $20,816
+12.6% YoY+1.8% QoQ
 $-8K $28,651
+2.5% YoY
 $18,613
+1.9% YoY
 $19,418
+1.3% YoY
 Bottom 21.4% in tier
CD Concentration 30.0%
-2.7% YoY+4.9% QoQ
 +5.6% 24.4%
+4.2% YoY
 18.8%
+3.1% YoY
 19.6%
+6.2% YoY
 71st in tier
Indirect Auto % 17.1%
-45.5% YoY-12.9% QoQ
 +3.1% 14.0%
-5.8% YoY
 9.7%
-0.5% YoY
 7.9%
-2.9% YoY
 66th in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#72 of 1006 • Top 2.6% in tier

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

Why This Signature
AMR Growth (YoY): 12.64%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Relationship Depth Leader

growth
#219 of 1006 • Top 7.9% in tier

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

Why This Signature
AMR Growth (YoY): 12.64%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.4K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Concerns (5)

Liquidity Strain

risk
#57 of 258 • Bottom 7.2% in tier

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

Why This Signature
Loan-to-Share Ratio: 95.32%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 19.63%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
258 of 281 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | New qualifier

Growth-at-Risk

risk
#137 of 446 • Bottom 9.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 19.63%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.06% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 281 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#205 of 525 • Bottom 12.7% in tier

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

Why This Signature
Asset Growth (YoY): 14.55%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 17.09%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -0.12%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 281 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank improving

Efficiency Drag

risk
#353 of 521 • Bottom 20.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 80.44%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.29% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): -0.12%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 281 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank improving

Credit Quality Pressure

risk
#566 of 736 • Bottom 22.8% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.06% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 281 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | New qualifier

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 112 peers in tier

Top Strengths (8 metrics)

2
Loan Growth Rate
growth
Value: 19.63%
Peer Avg: 4.84%
#2 of 112 Top 0.9% in 750M-1B tier
5
Total Loans
balance_sheet
Value: $776.96M
Peer Avg: $603.36M
#5 of 112 Top 3.6% in 750M-1B tier
6
AMR Growth Rate
growth
Value: 12.64%
Peer Avg: 4.90%
#6 of 112 Top 4.5% in 750M-1B tier
7
Asset Growth Rate
growth
Value: 14.55%
Peer Avg: 4.25%
#7 of 112 Top 5.4% in 750M-1B tier
7
Total Assets
balance_sheet
Value: $968.61M
Peer Avg: $859.01M
#7 of 112 Top 5.4% in 750M-1B tier
8
Total Members
engagement
Value: 76,485
Peer Avg: 52,114
#8 of 112 Top 6.2% in 750M-1B tier
17
Total Deposits
balance_sheet
Value: $815.15M
Peer Avg: $734.17M
#17 of 112 Top 14.3% in 750M-1B tier
20
Loan-to-Share Ratio
balance_sheet
Value: 95.32%
Peer Avg: 82.66%
#20 of 112 Top 17.0% in 750M-1B tier

Top Weaknesses (4 metrics)

105
Net Worth Ratio
risk
Value: 7.59%
Peer Avg: 11.52%
#105 of 112 Bottom 7.1% in 750M-1B tier
102
Return on Assets (ROA)
profitability
Value: 0.12%
Peer Avg: 0.71%
#102 of 112 Bottom 9.8% in 750M-1B tier
101
Net Charge-Off Rate
risk
Value: 1.18%
Peer Avg: 0.61%
#101 of 112 Bottom 10.7% in 750M-1B tier
88
Average Member Relationship (AMR)
engagement
Value: $20,816
Peer Avg: $28,651
#88 of 112 Bottom 22.3% in 750M-1B tier