RAIZ

Charter #1409 | TX

1B-3B (304 CUs) Mid-Market (380 CUs)
26 1B-3B in TX

RAIZ has 1 strength but faces 9 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Net Interest Margin 0.40% above tier average

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 11.0% in tier
  • - Liquidity Strain: Bottom 16.4% in tier
  • - Efficiency Drag: Bottom 17.6% in tier
  • - ROA 1.36% below tier average
  • - Efficiency ratio 13.61% above tier (higher cost structure)
  • - Total Assets: Bottom 2.0% in tier
  • - Total Deposits: Bottom 4.3% in tier
  • - Indirect Auto Concentration (%): Bottom 5.6% in tier
  • - Net Charge-Off Rate: Bottom 5.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Members 77,493
+4.3% YoY+1.5% QoQ
 -21.2K 98,678
-1.9% YoY
 26,896
+3.7% YoY
 33,089
+6.1% YoY
 38th in tier
Assets $1.0B
+2.8% YoY-2.4% QoQ
 $-702.0M $1.7B
+0.5% YoY
 $411.3M
+5.9% YoY
 $547.7M
+7.8% YoY
 Bottom 1.6% in tier
Loans $848.0M
+5.9% YoY+1.0% QoQ
 $-385.0M $1.2B
+0.5% YoY
 $295.8M
+5.3% YoY
 $388.7M
+8.6% YoY
 Bottom 19.7% in tier
Deposits $871.2M
+3.6% YoY-2.9% QoQ
 $-583.2M $1.5B
+1.3% YoY
 $341.5M
+6.1% YoY
 $464.6M
+9.3% YoY
 Bottom 3.9% in tier
ROA -0.7%
-291.5% YoY-61.3% QoQ
 -1.4% 0.7%
+13.4% YoY
 0.5%
-24.0% YoY
 0.7%
+273.4% YoY
 Bottom 0.3% in tier
NIM 3.7%
-3.2% YoY+18.5% QoQ
 +0.4% 3.3%
+9.3% YoY
 3.9%
+4.3% YoY
 3.7%
+5.0% YoY
 Top 23.7% in tier
Efficiency Ratio 87.6%
+9.8% YoY-15.7% QoQ
 +13.6% 74.0%
-10.9% YoY
 79.6%
-0.9% YoY
 79.1%
-3.3% YoY
 Top 3.9% in tier
Delinquency Rate 0.7%
-23.0% YoY-28.2% QoQ
 -0.2 0.8%
+6.1% YoY
 1.2%
+20.3% YoY
 1.2%
-0.9% YoY
 48th in tier
Loan To Share 97.3%
+2.2% YoY+4.0% QoQ
 +12.1% 85.2%
-0.8% YoY
 71.8%
-2.5% YoY
 68.0%
-1.7% YoY
 Top 18.4% in tier
AMR $22,185
+0.4% YoY-2.5% QoQ
 $-7K $29,172
+2.8% YoY
 $17,515
+1.3% YoY
 $19,418
+1.3% YoY
 Bottom 15.5% in tier
CD Concentration 28.2%
+29.9% YoY+0.6% QoQ
 -0.8% 29.0%
+0.8% YoY
 20.9%
+7.1% YoY
 19.6%
+6.2% YoY
 48th in tier
Indirect Auto % 49.3%
-8.9% YoY-1.0% QoQ
 +30.5% 18.8%
-2.8% YoY
 7.2%
-0.2% YoY
 7.9%
-2.9% YoY
 Top 5.3% in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (3)

Indirect Auto Dependency

risk
#69 of 202 • Bottom 11.0% in tier

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

Why This Signature
Asset Growth (YoY): 2.78%
(Tier: 5.36%, National: 3.04%)
worse than tier avg
Indirect Auto %: 49.26%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 4.35%
(Tier: 3.18%, National: 9.37%)
but better than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank worsening

Liquidity Strain

risk
#87 of 183 • Bottom 16.4% in tier

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

Why This Signature
Loan-to-Share Ratio: 97.34%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 5.92%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY | Rank improving

Efficiency Drag

risk
#59 of 96 • Bottom 17.6% in tier

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

Why This Signature
Efficiency Ratio: 87.58%
(Tier: 73.45%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.99% points
(Tier: 0.07% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): 4.35%
(Tier: 3.18%, National: 9.37%)
but better than tier avg
96 of 380 Mid-Market CUs have this signature | 624 nationally
↓ Shrinking -32 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 304 peers in tier

Top Strengths (4 metrics)

41
First Mortgage Concentration (%)
balance_sheet
Value: 18.27%
Peer Avg: 34.01%
#41 of 304 Top 13.2% in 1B-3B tier
46
Fee Income Per Member
profitability
Value: $276.72
Peer Avg: $210.52
#46 of 304 Top 14.8% in 1B-3B tier
56
Loan-to-Share Ratio
balance_sheet
Value: 97.34%
Peer Avg: 85.19%
#56 of 304 Top 18.1% in 1B-3B tier
72
Net Interest Margin (NIM)
profitability
Value: 3.66%
Peer Avg: 3.26%
#72 of 304 Top 23.4% in 1B-3B tier

Top Weaknesses (8 metrics)

303
Return on Assets (ROA)
profitability
Value: -0.65%
Peer Avg: 0.70%
#303 of 304 Bottom 0.7% in 1B-3B tier
299
Total Assets
balance_sheet
Value: $1.02B
Peer Avg: $1.72B
#299 of 304 Bottom 2.0% in 1B-3B tier
293
Efficiency Ratio
profitability
Value: 87.58%
Peer Avg: 73.97%
#293 of 304 Bottom 3.9% in 1B-3B tier
292
Total Deposits
balance_sheet
Value: $871.17M
Peer Avg: $1.45B
#292 of 304 Bottom 4.3% in 1B-3B tier
288
Indirect Auto Concentration (%)
balance_sheet
Value: 49.26%
Peer Avg: 18.32%
#288 of 304 Bottom 5.6% in 1B-3B tier
287
Net Charge-Off Rate
risk
Value: 1.37%
Peer Avg: 0.60%
#287 of 304 Bottom 5.9% in 1B-3B tier
257
Average Member Relationship (AMR)
engagement
Value: $22,185
Peer Avg: $29,172
#257 of 304 Bottom 15.8% in 1B-3B tier
244
Total Loans
balance_sheet
Value: $848.01M
Peer Avg: $1.23B
#244 of 304 Bottom 20.1% in 1B-3B tier