MISSION

Charter #14384 | CA

5B-7B (34 CUs) Large (64 CUs)
7 5B-7B in CA

MISSION has 8 strengths but faces 3 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 15.7% in tier
  • + Organic Growth Engine: Top 16.2% in tier
  • + Relationship Depth Leader: Top 23.9% in tier
  • + Wallet Share Momentum: Top 25.6% in tier
  • + ROA 0.03% above tier average
  • + Total Assets: Top 0.0% in tier
  • + Total Delinquency Rate (60+ days): Top 2.9% in tier
  • + Total Deposits: Top 2.9% in tier

Key Concerns

Areas that may need attention

  • - Cost Spiral: Bottom 0.0% in tier
  • - Margin Compression: Bottom 14.3% in tier
  • - Liquidity Overhang: Bottom 36.4% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 323,250
+3.7% YoY+1.3% QoQ
 +33.5K 289,724
-2.8% YoY
 59,606
+5.7% YoY
 33,089
+6.1% YoY
 62nd in tier
Assets $7.0B
+6.0% YoY+1.6% QoQ
 +$1.2B $5.8B
+0.2% YoY
 $1.2B
+6.2% YoY
 $547.7M
+7.8% YoY
 Top 2.9% in tier
Loans $4.9B
+7.7% YoY+2.2% QoQ
 +$856.8M $4.1B
-3.1% YoY
 $845.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 Top 20.6% in tier
Deposits $6.1B
+5.8% YoY+1.6% QoQ
 +$1.2B $4.9B
+2.2% YoY
 $1.0B
+8.8% YoY
 $464.6M
+9.3% YoY
 Top 5.9% in tier
ROA 0.8%
-30.3% YoY-1.5% QoQ
 +0.0% 0.8%
+15.5% YoY
 0.6%
+30.0% YoY
 0.7%
+273.4% YoY
 53rd in tier
NIM 2.4%
+4.5% YoY+0.5% QoQ
 -0.5% 2.9%
+3.9% YoY
 3.3%
+6.5% YoY
 3.7%
+5.0% YoY
 Bottom 14.7% in tier
Efficiency Ratio 66.2%
+10.4% YoY-0.0% QoQ
 -1.9% 68.1%
-1.7% YoY
 79.3%
-6.2% YoY
 79.1%
-3.3% YoY
 35th in tier
Delinquency Rate 0.2%
-9.3% YoY-27.7% QoQ
 -0.5 0.6%
-2.2% YoY
 0.7%
-38.7% YoY
 1.2%
-0.9% YoY
 Bottom 2.9% in tier
Loan To Share 81.0%
+1.8% YoY+0.6% QoQ
 -2.6% 83.6%
-5.7% YoY
 68.8%
-1.5% YoY
 68.0%
-1.7% YoY
 32nd in tier
AMR $34,146
+2.8% YoY+0.5% QoQ
 $-252 $34,398
+4.0% YoY
 $28,514
+2.8% YoY
 $19,418
+1.3% YoY
 62nd in tier
CD Concentration 36.0%
-5.5% YoY+3.4% QoQ
 +7.1% 28.9%
-1.3% YoY
 21.7%
+4.2% YoY
 19.6%
+6.2% YoY
 Top 25.0% in tier
Indirect Auto % 10.7%
-1.0% YoY+1.5% QoQ
 -5.9% 16.6%
-10.3% YoY
 9.5%
-6.9% YoY
 7.9%
-2.9% YoY
 36th in tier

Signature Analysis

Strengths (4)

Organic Growth Leader

growth
#14 of 28 • Top 15.7% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 3.71%
(Tier: 3.07%, National: 9.37%)
better than tier avg
28 of 64 Large CUs have this signature | 608 nationally
→ Stable (28→28 CUs) | Rank worsening

Organic Growth Engine

growth
#25 of 50 • Top 16.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 3.71%
(Tier: 3.07%, National: 9.37%)
better than tier avg
Return on Assets: 0.83%
(Tier: 0.91%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 10.73%
(Tier: 16.60%, National: 7.90%)
better than tier avg
50 of 64 Large CUs have this signature | 917 nationally
→ Stable (52→50 CUs) -2 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#29 of 46 • Top 23.9% in tier

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

Why This Signature
AMR Growth (YoY): 2.85%
(Tier: 2.82%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.2K
(Tier: $3.2K, National: $2.0K)
but worse than tier avg
46 of 64 Large CUs have this signature | 1330 nationally
↑ Growing +18 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#31 of 46 • Top 25.6% in tier

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

Why This Signature
AMR Growth (YoY): 2.85%
(Tier: 2.82%, National: 4.19%)
better than tier avg
46 of 64 Large CUs have this signature | 1330 nationally
↑ Growing +18 CUs YoY | Rank worsening

Concerns (3)

Cost Spiral

risk
#1 of 3 • Bottom 0.0% in tier

Historically lean operator now seeing efficiency ratio rise significantly. Efficiency advantage eroding - early intervention critical.

Why This Signature
Efficiency Ratio Change: 6.24% points
(Tier: -1.02% points, National: -1.81% points)
worse than tier avg
Efficiency Ratio (Prior Year): -
(Tier: -, National: -)
Total Assets: $6.98B
(Tier: $5.79B, National: $547.69M)
but better than tier avg
3 of 64 Large CUs have this signature | 80 nationally
→ No prior data (3 CUs now) | New qualifier

Margin Compression

decline
#4 of 8 • Bottom 14.3% in tier

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

Why This Signature
Return on Assets: 0.83%
(Tier: 0.91%, National: 0.71%)
worse than tier avg
ROA Change (YoY): -0.36% points
(Tier: 0.13% points, National: 0.05% points)
worse than tier avg
Total Assets: $6.98B
(Tier: $5.79B, National: $547.69M)
but better than tier avg
8 of 64 Large CUs have this signature | 169 nationally
→ Stable (8→8 CUs) | New qualifier

Liquidity Overhang

risk
#21 of 24 • Bottom 36.4% 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: 12.08%
(Tier: 11.62%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 81.00%
(Tier: 84.48%, National: 67.96%)
worse than tier avg
24 of 64 Large CUs have this signature | 691 nationally
↑ Growing +7 CUs YoY | Rank worsening

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 34 peers in tier

Top Strengths (4 metrics)

1
Total Assets
balance_sheet
Value: $6.98B
Peer Avg: $5.79B
#1 of 34 Top 0.0% in 5B-7B tier
2
Total Delinquency Rate (60+ days)
risk
Value: 0.15%
Peer Avg: 0.62%
#2 of 34 Top 2.9% in 5B-7B tier
2
Total Deposits
balance_sheet
Value: $6.10B
Peer Avg: $4.89B
#2 of 34 Top 2.9% in 5B-7B tier
7
Total Loans
balance_sheet
Value: $4.94B
Peer Avg: $4.08B
#7 of 34 Top 17.6% in 5B-7B tier

Top Weaknesses (2 metrics)

29
Net Interest Margin (NIM)
profitability
Value: 2.42%
Peer Avg: 2.90%
#29 of 34 Bottom 17.6% in 5B-7B tier
28
First Mortgage Concentration (%)
balance_sheet
Value: 48.43%
Peer Avg: 37.88%
#28 of 34 Bottom 20.6% in 5B-7B tier