RIEGEL

Charter #13944 | NJ

100M-500M (1077 CUs) Micro
25 100M-500M in NJ

RIEGEL has 2 strengths but faces 13 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 28.1% in tier
  • + Indirect Auto Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 16.0% in tier
  • - Deposit Outflow: Bottom 18.0% in tier
  • - Membership Headwinds: Bottom 27.6% in tier
  • - Stagnation Risk: Bottom 29.5% in tier
  • - Institutional Decline: Bottom 31.0% in tier
  • - ROA 0.42% below tier average
  • - Efficiency ratio 8.43% above tier (higher cost structure)
  • - Delinquency rate 1.19% above tier average
  • - Loan-to-Share Ratio: Bottom 2.0% in tier
  • - Total Loans: Bottom 3.8% in tier
  • - Total Delinquency Rate (60+ days): Bottom 6.0% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 9.1% in tier
  • - Fee Income Per Member: Bottom 9.7% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
Members 8,233
-1.1% YoY-0.5% QoQ
 -7.4K 15,628
-3.4% YoY
 7,324
+5.9% YoY
 33,089
+6.1% YoY
 Bottom 17.5% in tier
Assets $164.8M
-0.0% YoY-0.3% QoQ
 $-66.5M $231.3M
-0.0% YoY
 $116.8M
+7.2% YoY
 $547.7M
+7.8% YoY
 37th in tier
Loans $45.5M
-1.7% YoY+1.5% QoQ
 $-102.3M $147.8M
-1.4% YoY
 $73.2M
+8.5% YoY
 $388.7M
+8.6% YoY
 Bottom 3.7% in tier
Deposits $146.7M
-0.7% YoY-0.5% QoQ
 $-53.6M $200.3M
-0.0% YoY
 $98.4M
+6.8% YoY
 $464.6M
+9.3% YoY
 39th in tier
ROA 0.4%
-2752.0% YoY-17.3% QoQ
 -0.4% 0.8%
+15.5% YoY
 0.5%
+264.7% YoY
 0.7%
+273.4% YoY
 Bottom 22.2% in tier
NIM 2.9%
+22.5% YoY-0.0% QoQ
 -0.7% 3.6%
+6.9% YoY
 3.8%
+6.0% YoY
 3.7%
+5.0% YoY
 Bottom 16.6% in tier
Efficiency Ratio 85.7%
-7.7% YoY+2.3% QoQ
 +8.4% 77.3%
-3.0% YoY
 84.8%
-21.5% YoY
 79.1%
-3.3% YoY
 Top 21.4% in tier
Delinquency Rate 2.0%
-11.6% YoY-8.3% QoQ
 +1.2 0.9%
+7.6% YoY
 1.9%
+8.8% YoY
 1.2%
-0.9% YoY
 Top 6.0% in tier
Loan To Share 31.0%
-1.0% YoY+2.0% QoQ
 -41.7% 72.7%
-1.5% YoY
 53.7%
-2.5% YoY
 68.0%
-1.7% YoY
 Bottom 1.9% in tier
AMR $23,341
+0.2% YoY+0.5% QoQ
 $-1K $24,363
+2.9% YoY
 $15,980
-4.9% YoY
 $19,418
+1.3% YoY
 55th in tier
CD Concentration 13.7%
-1.2% YoY+0.7% QoQ
 -10.7% 24.4%
+4.2% YoY
 14.2%
+4.6% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 0.9%
-16.1% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (1)

Emerging Performer

growth
#527 of 627 • Top 28.1% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.36%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): -1.13%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | New qualifier

Concerns (5)

Efficiency Drag

risk
#283 of 521 • Bottom 16.0% in tier

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

Why This Signature
Efficiency Ratio: 85.71%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.38% points
(Tier: 0.11% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): -1.13%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank worsening

Deposit Outflow

decline
#107 of 114 • Bottom 18.0% in tier

Members staying but deposits leaving. They're losing to higher-yield competitors - rate pressure is real.

Why This Signature
Deposit Growth (YoY): -0.66%
(Tier: 4.79%, National: 12.00%)
worse than tier avg
Total Assets: $164.75M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
114 of 1077 Community CUs have this signature | 143 nationally
↓ Shrinking -169 CUs YoY | New qualifier

Membership Headwinds

decline
#455 of 550 • Bottom 27.6% in tier

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

Why This Signature
Member Growth (YoY): -1.13%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Stagnation Risk

risk
#487 of 550 • Bottom 29.5% 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: 0.36%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -1.13%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $23.3K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 13.74%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Institutional Decline

decline
#245 of 256 • Bottom 31.0% in tier

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

Why This Signature
Total Assets: $164.75M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
Member Growth (YoY): -1.13%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -1.66%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
256 of 1077 Community CUs have this signature | 293 nationally
↓ Shrinking -43 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 1077 peers in tier

Top Strengths (2 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
202
Share Certificate Concentration (%)
balance_sheet
Value: 13.74%
Peer Avg: 23.61%
#202 of 1077 Top 18.7% in 100M-500M tier

Top Weaknesses (13 metrics)

1056
Loan-to-Share Ratio
balance_sheet
Value: 31.03%
Peer Avg: 72.70%
#1056 of 1077 Bottom 2.0% in 100M-500M tier
1037
Total Loans
balance_sheet
Value: $45.51M
Peer Avg: $147.80M
#1037 of 1077 Bottom 3.8% in 100M-500M tier
1013
Total Delinquency Rate (60+ days)
risk
Value: 2.05%
Peer Avg: 0.86%
#1013 of 1077 Bottom 6.0% in 100M-500M tier
980
Loan-to-Member Ratio (LMR)
engagement
Value: $5,527
Peer Avg: $10,245
#980 of 1077 Bottom 9.1% in 100M-500M tier
974
Fee Income Per Member
profitability
Value: $86.16
Peer Avg: $174.31
#974 of 1077 Bottom 9.7% in 100M-500M tier
938
Members Per Employee (MPE)
engagement
Value: 235.229
Peer Avg: 332.881
#938 of 1077 Bottom 13.0% in 100M-500M tier
922
Deposit Growth Rate
growth
Value: -0.66%
Peer Avg: 4.69%
#922 of 1077 Bottom 14.5% in 100M-500M tier
898
Net Interest Margin (NIM)
profitability
Value: 2.91%
Peer Avg: 3.58%
#898 of 1077 Bottom 16.7% in 100M-500M tier
888
Total Members
engagement
Value: 8,233
Peer Avg: 15,628
#888 of 1077 Bottom 17.6% in 100M-500M tier
880
Asset Growth Rate
growth
Value: -0.05%
Peer Avg: 4.70%
#880 of 1077 Bottom 18.4% in 100M-500M tier