THE BRIDGEWAY
Charter #13852 | AL
<100M
(2596 CUs)
Micro
($0-$500M)
54 <100M in AL
THE BRIDGEWAY has 6 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.73% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Members: Top 5.4% in tier
- + Loan Growth Rate: Top 7.8% in tier
- + Fee Income Per Member: Top 7.9% in tier
- + Total Loans: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.60% below tier average
- - Efficiency ratio 7.92% above tier (higher cost structure)
- - Member decline: -2.3% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,195
-2.3% YoY-1.3% QoQ
|
+4.6K |
2,625
-2.2% YoY
|
29,240
-2.8% YoY
|
33,089
+6.1% YoY
|
Top 5.4% in tier |
| Assets |
$63.3M
-2.9% YoY-1.1% QoQ
|
+$33.4M |
$29.9M
+1.1% YoY
|
$436.7M
+7.4% YoY
|
$547.7M
+7.8% YoY
|
Top 15.4% in tier |
| Loans |
$41.7M
+12.6% YoY+3.5% QoQ
|
+$26.0M |
$15.8M
-2.4% YoY
|
$258.0M
+6.8% YoY
|
$388.7M
+8.6% YoY
|
Top 9.2% in tier |
| Deposits |
$52.0M
-3.8% YoY-1.6% QoQ
|
+$26.5M |
$25.5M
+0.4% YoY
|
$382.5M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
Top 16.9% in tier |
| ROA |
0.1%
-113.4% YoY+70.6% QoQ
|
-0.6% |
0.7%
-731.4% YoY
|
0.8%
+31.6% YoY
|
0.7%
+273.4% YoY
|
Bottom 18.8% in tier |
| NIM |
4.7%
+24.5% YoY+3.5% QoQ
|
+0.7% |
3.9%
+3.8% YoY
|
3.7%
+6.4% YoY
|
3.7%
+5.0% YoY
|
Top 21.6% in tier |
| Efficiency Ratio |
89.3%
-5.6% YoY-1.2% QoQ
|
+7.9% |
81.4%
-2.4% YoY
|
76.4%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Top 24.7% in tier |
| Delinquency Rate |
0.9%
+60.2% YoY+0.2% QoQ
|
-0.6 |
1.5%
-2.0% YoY
|
1.7%
+18.9% YoY
|
1.2%
-0.9% YoY
|
58th in tier |
| Loan To Share |
80.3%
+17.0% YoY+5.2% QoQ
|
+19.1% |
61.2%
-3.0% YoY
|
60.8%
-1.6% YoY
|
68.0%
-1.7% YoY
|
Top 22.0% in tier |
| AMR |
$13,022
+5.3% YoY+1.9% QoQ
|
$-2K |
$14,627
-2.7% YoY
|
$17,062
+2.3% YoY
|
$19,418
+1.3% YoY
|
46th in tier |
| CD Concentration |
18.8%
+1.2% YoY-0.5% QoQ
|
-5.6% |
24.4%
+4.2% YoY
|
20.8%
+2.9% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
5.4%
-6.7% 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 (10 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
140
Total Members
engagement
Value:
7,195
Peer Avg: 2,626
#140 of 2596
Top 5.4% in <100M tier
204
Loan Growth Rate
growth
Value:
12.58%
Peer Avg: 59.01%
#204 of 2596
Top 7.8% in <100M tier
205
Fee Income Per Member
profitability
Value:
$188.38
Peer Avg: $182.96
#205 of 2596
Top 7.9% in <100M tier
240
Total Loans
balance_sheet
Value:
$41.73M
Peer Avg: $15.77M
#240 of 2596
Top 9.2% in <100M tier
400
Total Assets
balance_sheet
Value:
$63.26M
Peer Avg: $29.86M
#400 of 2596
Top 15.4% in <100M tier
438
Total Deposits
balance_sheet
Value:
$51.96M
Peer Avg: $25.45M
#438 of 2596
Top 16.8% in <100M tier
562
Net Interest Margin (NIM)
profitability
Value:
4.67%
Peer Avg: 3.93%
#562 of 2596
Top 21.6% in <100M tier
568
Loan-to-Share Ratio
balance_sheet
Value:
80.32%
Peer Avg: 61.23%
#568 of 2596
Top 21.8% in <100M tier
647
AMR Growth Rate
growth
Value:
5.29%
Peer Avg: 4.67%
#647 of 2596
Top 24.9% in <100M tier
Top Weaknesses (6 metrics)
2108
Return on Assets (ROA)
profitability
Value:
0.08%
Peer Avg: 0.68%
#2108 of 2596
Bottom 18.8% in <100M tier
2075
Members Per Employee (MPE)
engagement
Value:
224.844
Peer Avg: 365.701
#2075 of 2596
Bottom 20.1% in <100M tier
2062
Net Charge-Off Rate
risk
Value:
0.73%
Peer Avg: 0.57%
#2062 of 2596
Bottom 20.6% in <100M tier
2024
Asset Growth Rate
growth
Value:
-2.86%
Peer Avg: 1.82%
#2024 of 2596
Bottom 22.1% in <100M tier
2020
Deposit Growth Rate
growth
Value:
-3.79%
Peer Avg: 16.80%
#2020 of 2596
Bottom 22.2% in <100M tier
1957
Efficiency Ratio
profitability
Value:
89.32%
Peer Avg: 81.39%
#1957 of 2596
Bottom 24.7% in <100M tier