THE DISTRICT

Charter #14369 | CO

100M-500M (1077 CUs) Micro
26 100M-500M in CO

THE DISTRICT has 5 strengths but faces 11 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 2.5% in tier
  • + Wallet Share Momentum: Top 4.2% in tier
  • + Average Member Relationship (AMR): Top 5.9% in tier
  • + AMR Growth Rate: Top 8.4% in tier
  • + Loan-to-Member Ratio (LMR): Top 8.5% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 8.3% in tier
  • - Membership Headwinds: Bottom 10.3% in tier
  • - Stagnation Risk: Bottom 16.5% in tier
  • - ROA 0.87% below tier average
  • - Efficiency ratio 17.94% above tier (higher cost structure)
  • - Delinquency rate 0.19% above tier average
  • - Member decline: -3.9% YoY
  • - Net Worth Ratio: Bottom 1.6% in tier
  • - Net Interest Margin (NIM): Bottom 3.1% in tier
  • - Total Members: Bottom 6.0% in tier
  • - Share Certificate Concentration (%): Bottom 7.3% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
Members 6,124
-3.9% YoY-1.1% QoQ
 -9.5K 15,628
-3.4% YoY
 38,063
+8.0% YoY
 33,089
+6.1% YoY
 Bottom 5.9% in tier
Assets $152.6M
+3.7% YoY-3.4% QoQ
 $-78.7M $231.3M
-0.0% YoY
 $678.0M
+7.3% YoY
 $547.7M
+7.8% YoY
 32nd in tier
Loans $97.2M
+7.1% YoY+0.2% QoQ
 $-50.6M $147.8M
-1.4% YoY
 $529.4M
+8.0% YoY
 $388.7M
+8.6% YoY
 33rd in tier
Deposits $142.7M
+5.3% YoY-3.8% QoQ
 $-57.6M $200.3M
-0.0% YoY
 $571.8M
+9.1% YoY
 $464.6M
+9.3% YoY
 36th in tier
ROA -0.1%
-70.4% YoY-331.3% QoQ
 -0.9% 0.8%
+15.5% YoY
 0.5%
+8.5% YoY
 0.7%
+273.4% YoY
 Bottom 6.3% in tier
NIM 2.2%
-0.5% YoY-2.0% QoQ
 -1.4% 3.6%
+6.9% YoY
 3.6%
+3.7% YoY
 3.7%
+5.0% YoY
 Bottom 3.0% in tier
Efficiency Ratio 95.2%
-7.5% YoY+5.0% QoQ
 +17.9% 77.3%
-3.0% YoY
 80.6%
-2.6% YoY
 79.1%
-3.3% YoY
 Top 4.8% in tier
Delinquency Rate 1.1%
-42.3% YoY-10.0% QoQ
 +0.2 0.9%
+7.6% YoY
 0.9%
+6.2% YoY
 1.2%
-0.9% YoY
 72nd in tier
Loan To Share 68.1%
+1.7% YoY+4.2% QoQ
 -4.6% 72.7%
-1.5% YoY
 72.9%
-3.4% YoY
 68.0%
-1.7% YoY
 37th in tier
AMR $39,176
+10.3% YoY-1.1% QoQ
 +$15K $24,363
+2.9% YoY
 $22,866
+4.1% YoY
 $19,418
+1.3% YoY
 Top 6.0% in tier
CD Concentration 40.4%
+35.7% YoY+7.1% QoQ
 +16.0% 24.4%
+4.2% YoY
 26.3%
+7.3% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 4.3%
-36.5% YoY-7.2% QoQ
 -9.6% 14.0%
-5.8% YoY
 12.4%
-8.4% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth
#70 of 1006 • Top 2.5% in tier

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

Why This Signature
AMR Growth (YoY): 10.33%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.3K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Wallet Share Momentum

growth
#116 of 1006 • Top 4.2% in tier

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

Why This Signature
AMR Growth (YoY): 10.33%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Concerns (3)

Efficiency Drag

risk
#147 of 521 • Bottom 8.3% in tier

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

Why This Signature
Efficiency Ratio: 95.22%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.19% points
(Tier: 0.11% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): -3.94%
(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 improving

Membership Headwinds

decline
#171 of 550 • Bottom 10.3% in tier

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

Why This Signature
Member Growth (YoY): -3.94%
(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 | Rank worsening

Stagnation Risk

risk
#273 of 550 • Bottom 16.5% 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: -0.08%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -3.94%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $39.2K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 40.36%
(Tier: 24.41%, National: 19.60%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY

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 (3 metrics)

65
Average Member Relationship (AMR)
engagement
Value: $39,176
Peer Avg: $24,363
#65 of 1077 Top 5.9% in 100M-500M tier
92
AMR Growth Rate
growth
Value: 10.33%
Peer Avg: 3.64%
#92 of 1077 Top 8.4% in 100M-500M tier
93
Loan-to-Member Ratio (LMR)
engagement
Value: $15,873
Peer Avg: $10,245
#93 of 1077 Top 8.5% in 100M-500M tier

Top Weaknesses (8 metrics)

1061
Net Worth Ratio
risk
Value: 7.56%
Peer Avg: 12.15%
#1061 of 1077 Bottom 1.6% in 100M-500M tier
1045
Net Interest Margin (NIM)
profitability
Value: 2.19%
Peer Avg: 3.58%
#1045 of 1077 Bottom 3.1% in 100M-500M tier
1026
Efficiency Ratio
profitability
Value: 95.22%
Peer Avg: 77.28%
#1026 of 1077 Bottom 4.8% in 100M-500M tier
1013
Total Members
engagement
Value: 6,124
Peer Avg: 15,628
#1013 of 1077 Bottom 6.0% in 100M-500M tier
1009
Return on Assets (ROA)
profitability
Value: -0.08%
Peer Avg: 0.79%
#1009 of 1077 Bottom 6.4% in 100M-500M tier
999
Share Certificate Concentration (%)
balance_sheet
Value: 40.36%
Peer Avg: 23.61%
#999 of 1077 Bottom 7.3% in 100M-500M tier
935
Members Per Employee (MPE)
engagement
Value: 235.538
Peer Avg: 332.881
#935 of 1077 Bottom 13.3% in 100M-500M tier
932
Member Growth Rate
growth
Value: -3.94%
Peer Avg: 0.72%
#932 of 1077 Bottom 13.6% in 100M-500M tier