FORT BRAGG

Charter #13690 | NC

500M-750M (169 CUs) Community (281 CUs)
3 500M-750M in NC

FORT BRAGG has 6 strengths but faces 9 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 1.0% in tier
  • + Wallet Share Momentum: Top 4.0% in tier
  • + ROA 0.42% above tier average
  • + Efficiency Ratio: Top 2.4% in tier
  • + Members Per Employee (MPE): Top 3.6% in tier
  • + AMR Growth Rate: Top 7.1% in tier

Key Concerns

Areas that may need attention

  • - Stagnation Risk: Bottom 0.7% in tier
  • - Institutional Decline: Bottom 0.9% in tier
  • - Membership Headwinds: Bottom 3.9% in tier
  • - Indirect Auto Dependency: Bottom 4.7% in tier
  • - Margin Compression: Bottom 22.9% in tier
  • - Liquidity Overhang: Bottom 27.5% in tier
  • - Member decline: -7.5% YoY
  • - Member Growth Rate: Bottom 3.0% in tier
  • - Loan Growth Rate: Bottom 9.5% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (NC) National Avg Tier Percentile
Members 36,381
-7.5% YoY-1.1% QoQ
 -3.4K 39,752
-2.7% YoY
 91,841
+6.6% YoY
 33,089
+6.1% YoY
 44th in tier
Assets $663.9M
+7.0% YoY+0.6% QoQ
 +$41.5M $622.4M
+0.3% YoY
 $1.5B
+5.5% YoY
 $547.7M
+7.8% YoY
 68th in tier
Loans $405.0M
-6.1% YoY-3.7% QoQ
 $-30.9M $435.9M
-0.4% YoY
 $1.1B
+9.9% YoY
 $388.7M
+8.6% YoY
 37th in tier
Deposits $578.9M
+8.9% YoY+0.4% QoQ
 +$40.8M $538.0M
+1.3% YoY
 $1.3B
+12.1% YoY
 $464.6M
+9.3% YoY
 73rd in tier
ROA 1.1%
-10.9% YoY+8.1% QoQ
 +0.4% 0.7%
+33.9% YoY
 0.4%
-19.0% YoY
 0.7%
+273.4% YoY
 Top 18.3% in tier
NIM 2.9%
+1.6% YoY+0.9% QoQ
 -0.5% 3.4%
+8.6% YoY
 4.1%
+4.0% YoY
 3.7%
+5.0% YoY
 Bottom 17.8% in tier
Efficiency Ratio 57.9%
+2.0% YoY-1.5% QoQ
 -20.2% 78.1%
-3.4% YoY
 81.5%
-1.2% YoY
 79.1%
-3.3% YoY
 Bottom 2.4% in tier
Delinquency Rate 0.7%
-4.3% YoY+13.4% QoQ
 -0.1 0.8%
-4.9% YoY
 1.5%
+2.4% YoY
 1.2%
-0.9% YoY
 53rd in tier
Loan To Share 70.0%
-13.8% YoY-4.0% QoQ
 -11.1% 81.0%
-1.8% YoY
 76.3%
+1.1% YoY
 68.0%
-1.7% YoY
 Bottom 19.5% in tier
AMR $27,043
+10.5% YoY-0.2% QoQ
 +$561 $26,482
+2.6% YoY
 $17,441
+4.0% YoY
 $19,418
+1.3% YoY
 63rd in tier
CD Concentration 24.1%
+11.3% YoY-0.5% QoQ
 -0.3% 24.4%
+4.2% YoY
 20.6%
+2.2% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 25.7%
-23.7% YoY-6.9% QoQ
 +11.8% 14.0%
-5.8% YoY
 5.3%
-2.9% YoY
 7.9%
-2.9% YoY
 Top 21.6% in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth
#29 of 1006 • Top 1.0% in tier

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

Why This Signature
AMR Growth (YoY): 10.48%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.9K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Wallet Share Momentum

growth
#112 of 1006 • Top 4.0% in tier

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

Why This Signature
AMR Growth (YoY): 10.48%
(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

Concerns (6)

Stagnation Risk

risk
#12 of 550 • Bottom 0.7% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 1.08%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -7.49%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $27.0K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 24.15%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Institutional Decline

decline
#8 of 256 • Bottom 0.9% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $663.93M
(Tier: $622.38M, National: $547.69M)
but better than tier avg
Member Growth (YoY): -7.49%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -6.09%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
256 of 281 Community CUs have this signature | 293 nationally
↓ Shrinking -43 CUs YoY | New qualifier

Membership Headwinds

decline
#65 of 550 • Bottom 3.9% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -7.49%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#77 of 525 • Bottom 4.7% in tier

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

Why This Signature
Asset Growth (YoY): 6.98%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 25.72%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -7.49%
(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

Margin Compression

decline
#97 of 136 • Bottom 22.9% in tier

Strong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.

Why This Signature
Return on Assets: 1.08%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
ROA Change (YoY): -0.13% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Total Assets: $663.93M
(Tier: $622.38M, National: $547.69M)
but better than tier avg
136 of 281 Community CUs have this signature | 169 nationally
↓ Shrinking -43 CUs YoY | Rank worsening

Liquidity Overhang

risk
#426 of 552 • Bottom 27.5% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 12.27%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 69.97%
(Tier: 74.56%, National: 67.96%)
worse than tier avg
552 of 281 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank improving

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 169 peers in tier

Top Strengths (7 metrics)

5
Efficiency Ratio
profitability
Value: 57.86%
Peer Avg: 78.10%
#5 of 169 Top 2.4% in 500M-750M tier
7
Members Per Employee (MPE)
engagement
Value: 551.227
Peer Avg: 338.010
#7 of 169 Top 3.6% in 500M-750M tier
13
AMR Growth Rate
growth
Value: 10.48%
Peer Avg: 3.12%
#13 of 169 Top 7.1% in 500M-750M tier
31
Return on Assets (ROA)
profitability
Value: 1.08%
Peer Avg: 0.66%
#31 of 169 Top 17.8% in 500M-750M tier
32
Deposit Growth Rate
growth
Value: 8.94%
Peer Avg: 5.25%
#32 of 169 Top 18.3% in 500M-750M tier
40
Asset Growth Rate
growth
Value: 6.98%
Peer Avg: 4.33%
#40 of 169 Top 23.1% in 500M-750M tier
43
Net Worth Ratio
risk
Value: 12.27%
Peer Avg: 10.94%
#43 of 169 Top 24.9% in 500M-750M tier

Top Weaknesses (4 metrics)

165
Member Growth Rate
growth
Value: -7.49%
Peer Avg: 1.75%
#165 of 169 Bottom 3.0% in 500M-750M tier
154
Loan Growth Rate
growth
Value: -6.09%
Peer Avg: 4.04%
#154 of 169 Bottom 9.5% in 500M-750M tier
139
Net Interest Margin (NIM)
profitability
Value: 2.93%
Peer Avg: 3.43%
#139 of 169 Bottom 18.3% in 500M-750M tier
136
Loan-to-Share Ratio
balance_sheet
Value: 69.97%
Peer Avg: 81.02%
#136 of 169 Bottom 20.1% in 500M-750M tier