UNIVERSITY
Charter #1367 | TX
3B-5B
(76 CUs)
Mid-Market
($1B-$5B)
(380 CUs)
6 3B-5B in TX
UNIVERSITY has 7 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 8.7% in tier
- + Organic Growth Engine: Top 10.2% in tier
- + Net Interest Margin 0.62% above tier average
- + Strong member growth: 5.9% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Members: Top 3.9% in tier
- + Share Certificate Concentration (%): Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 6.7% in tier
- - Shrinking Wallet Share: Bottom 9.9% in tier
- - Liquidity Strain: Bottom 34.0% in tier
- - ROA 0.21% below tier average
- - Efficiency ratio 3.91% above tier (higher cost structure)
- - Delinquency rate 0.24% above tier average
- - Average Member Relationship (AMR): Bottom 2.6% in tier
- - Loan-to-Member Ratio (LMR): Bottom 2.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
414,629
+5.9% YoY+1.6% QoQ
|
+176.2K |
238,465
+0.6% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
Top 5.3% in tier |
| Assets |
$4.2B
+2.3% YoY+0.6% QoQ
|
+$223.5M |
$4.0B
-0.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
59th in tier |
| Loans |
$3.1B
-0.5% YoY+0.7% QoQ
|
+$37.8M |
$3.0B
+3.3% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
54th in tier |
| Deposits |
$3.4B
+3.3% YoY+0.8% QoQ
|
+$29.6M |
$3.3B
+1.1% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
54th in tier |
| ROA |
0.5%
-12.5% YoY+8.6% QoQ
|
-0.2% |
0.7%
+5.3% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 25.0% in tier |
| NIM |
3.8%
+9.3% YoY+1.2% QoQ
|
+0.6% |
3.2%
+13.7% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
Top 17.1% in tier |
| Efficiency Ratio |
75.2%
-1.4% YoY-0.7% QoQ
|
+3.9% |
71.3%
-0.6% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
66th in tier |
| Delinquency Rate |
1.1%
+33.9% YoY+15.5% QoQ
|
+0.2 |
0.8%
+15.9% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
Top 25.0% in tier |
| Loan To Share |
90.9%
-3.7% YoY-0.1% QoQ
|
+0.1% |
90.8%
+2.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
43rd in tier |
| AMR |
$15,482
-4.3% YoY-0.9% QoQ
|
$-14K |
$29,088
+0.1% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 1.3% in tier |
| CD Concentration |
17.7%
+17.2% YoY+2.1% QoQ
|
-11.3% |
29.0%
+0.8% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
Bottom 9.5% in tier |
| Indirect Auto % | 0.0% | -18.8% |
18.8%
-2.8% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
Bottom 0.0% in tier |
Signature Analysis
Strengths (2)
Organic Growth Leader
growth
#35 of 138 • Top 8.7% in tier
Attracting members without relying on indirect channels. Healthy, sustainable growth model.
Why This Signature
Member Growth (YoY):
5.93%
(Tier:
3.18%, National:
9.37%)
138 of 380 Mid-Market CUs have this signature
| 608 nationally
↑ Growing
+11 CUs YoY
|
Rank improving
Organic Growth Engine
growth
#75 of 246 • Top 10.2% in tier
Growing membership while maintaining profitability. Healthy fundamentals in place.
Why This Signature
Member Growth (YoY):
5.93%
(Tier:
3.18%, National:
9.37%)
Return on Assets:
0.54%
(Tier:
0.71%, National:
0.71%)
Indirect Auto %:
0.00%
(Tier:
18.80%, National:
7.90%)
246 of 380 Mid-Market CUs have this signature
| 917 nationally
↑ Growing
+14 CUs YoY
|
Rank worsening
Concerns (3)
Credit Quality Pressure
risk
#52 of 217 • Bottom 6.7% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
0.28% points
(Tier:
0.07% points, National:
0.07% points)
217 of 380 Mid-Market CUs have this signature
| 1002 nationally
↓ Shrinking
-70 CUs YoY
|
Rank worsening
Shrinking Wallet Share
decline
#31 of 83 • Bottom 9.9% in tier
Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Why This Signature
AMR Growth (YoY):
-4.26%
(Tier:
3.04%, National:
4.19%)
83 of 380 Mid-Market CUs have this signature
| 346 nationally
↓ Shrinking
-55 CUs YoY
|
Rank worsening
Liquidity Strain
risk
#179 of 183 • Bottom 34.0% in tier
Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Why This Signature
Loan-to-Share Ratio:
90.90%
(Tier:
86.35%, National:
67.96%)
Loan Growth (YoY):
-0.53%
(Tier:
6.14%, National:
36.38%)
183 of 380 Mid-Market CUs have this signature
| 484 nationally
↑ Growing
+10 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)
Top Strengths (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 20.57%
#1 of 76
Top 0.0% in 3B-5B tier
4
Total Members
engagement
Value:
414,629
Peer Avg: 238,466
#4 of 76
Top 3.9% in 3B-5B tier
7
Share Certificate Concentration (%)
balance_sheet
Value:
17.71%
Peer Avg: 30.70%
#7 of 76
Top 7.9% in 3B-5B tier
11
Members Per Employee (MPE)
engagement
Value:
547.727
Peer Avg: 433.941
#11 of 76
Top 13.2% in 3B-5B tier
13
Net Interest Margin (NIM)
profitability
Value:
3.82%
Peer Avg: 3.20%
#13 of 76
Top 15.8% in 3B-5B tier
20
Member Growth Rate
growth
Value:
5.93%
Peer Avg: 7.02%
#20 of 76
Top 25.0% in 3B-5B tier
Top Weaknesses (7 metrics)
75
Average Member Relationship (AMR)
engagement
Value:
$15,482
Peer Avg: $29,088
#75 of 76
Bottom 2.6% in 3B-5B tier
75
Loan-to-Member Ratio (LMR)
engagement
Value:
$7,372
Peer Avg: $13,761
#75 of 76
Bottom 2.6% in 3B-5B tier
66
Loan Growth Rate
growth
Value:
-0.53%
Peer Avg: 9.56%
#66 of 76
Bottom 14.5% in 3B-5B tier
66
AMR Growth Rate
growth
Value:
-4.26%
Peer Avg: 2.07%
#66 of 76
Bottom 14.5% in 3B-5B tier
65
Net Charge-Off Rate
risk
Value:
1.10%
Peer Avg: 0.64%
#65 of 76
Bottom 15.8% in 3B-5B tier
59
Net Worth Ratio
risk
Value:
9.54%
Peer Avg: 10.75%
#59 of 76
Bottom 23.7% in 3B-5B tier
58
Total Delinquency Rate (60+ days)
risk
Value:
1.09%
Peer Avg: 0.84%
#58 of 76
Bottom 25.0% in 3B-5B tier