FEDCHOICE

Charter #150 | MD

100M-500M (1077 CUs) Micro
16 100M-500M in MD

FEDCHOICE has 8 strengths but faces 4 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 15.3% in tier
  • + Relationship Depth Leader: Top 23.8% in tier
  • + Organic Growth Engine: Top 25.8% in tier
  • + Wallet Share Momentum: Top 35.5% in tier
  • + Net Interest Margin 0.34% above tier average
  • + Total Deposits: Top 3.4% in tier
  • + Total Assets: Top 4.9% in tier
  • + Total Loans: Top 7.3% in tier

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 48.5% in tier
  • - ROA 0.53% below tier average
  • - Efficiency ratio 2.47% above tier (higher cost structure)
  • - Delinquency rate 0.37% above tier average

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
Members 25,416
+2.6% YoY+1.3% QoQ
 +9.8K 15,628
-3.4% YoY
 34,720
+7.7% YoY
 33,089
+6.1% YoY
 Top 12.7% in tier
Assets $447.1M
+1.7% YoY-0.0% QoQ
 +$215.8M $231.3M
-0.0% YoY
 $624.1M
+9.4% YoY
 $547.7M
+7.8% YoY
 Top 5.0% in tier
Loans $289.8M
+4.9% YoY+6.1% QoQ
 +$142.0M $147.8M
-1.4% YoY
 $452.1M
+10.3% YoY
 $388.7M
+8.6% YoY
 Top 7.4% in tier
Deposits $403.1M
+2.3% YoY-0.4% QoQ
 +$202.9M $200.3M
-0.0% YoY
 $528.8M
+10.3% YoY
 $464.6M
+9.3% YoY
 Top 3.5% in tier
ROA 0.3%
-34.5% YoY+1334.3% QoQ
 -0.5% 0.8%
+15.5% YoY
 0.6%
+23.1% YoY
 0.7%
+273.4% YoY
 Bottom 16.1% in tier
NIM 3.9%
+1.2% YoY+1.8% QoQ
 +0.3% 3.6%
+6.9% YoY
 3.5%
+4.2% YoY
 3.7%
+5.0% YoY
 69th in tier
Efficiency Ratio 79.7%
+4.5% YoY+1.5% QoQ
 +2.5% 77.3%
-3.0% YoY
 78.6%
-6.6% YoY
 79.1%
-3.3% YoY
 60th in tier
Delinquency Rate 1.2%
-34.7% YoY-3.9% QoQ
 +0.4 0.9%
+7.6% YoY
 1.2%
+5.3% YoY
 1.2%
-0.9% YoY
 Top 21.4% in tier
Loan To Share 71.9%
+2.5% YoY+6.5% QoQ
 -0.8% 72.7%
-1.5% YoY
 65.0%
-0.2% YoY
 68.0%
-1.7% YoY
 44th in tier
AMR $27,266
+0.7% YoY+0.9% QoQ
 +$3K $24,363
+2.9% YoY
 $20,685
+4.6% YoY
 $19,418
+1.3% YoY
 74th in tier
CD Concentration 14.5%
-1.6% YoY+1.4% QoQ
 -9.9% 24.4%
+4.2% YoY
 20.4%
+10.6% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 1.5%
-25.8% YoY-12.2% QoQ
 -12.5% 14.0%
-5.8% YoY
 7.4%
+4.0% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (4)

Organic Growth Leader

growth
#203 of 430 • Top 15.3% in tier

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

Why This Signature
Member Growth (YoY): 2.65%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 1077 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank improving

Relationship Depth Leader

growth
#658 of 1006 • Top 23.8% in tier

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

Why This Signature
AMR Growth (YoY): 0.73%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $3.7K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Organic Growth Engine

growth
#473 of 603 • Top 25.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.65%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.26%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 1.49%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Wallet Share Momentum

growth
#980 of 1006 • Top 35.5% in tier

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

Why This Signature
AMR Growth (YoY): 0.73%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (1)

Flatlined Growth

risk
#51 of 58 • Bottom 48.5% in tier

Asset growth has flattened despite healthy profitability. May indicate a need to reassess growth strategy.

Why This Signature
Total Assets: $447.07M
(Tier: $231.30M, National: $547.69M)
but better than tier avg
Asset Growth (YoY): 1.69%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Return on Assets: 0.26%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
58 of 1077 Community CUs have this signature | 82 nationally
↑ Growing +10 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 (6 metrics)

38
Total Deposits
balance_sheet
Value: $403.15M
Peer Avg: $200.29M
#38 of 1077 Top 3.4% in 100M-500M tier
54
Total Assets
balance_sheet
Value: $447.07M
Peer Avg: $231.30M
#54 of 1077 Top 4.9% in 100M-500M tier
80
Total Loans
balance_sheet
Value: $289.84M
Peer Avg: $147.80M
#80 of 1077 Top 7.3% in 100M-500M tier
137
Total Members
engagement
Value: 25,416
Peer Avg: 15,628
#137 of 1077 Top 12.6% in 100M-500M tier
223
Share Certificate Concentration (%)
balance_sheet
Value: 14.47%
Peer Avg: 23.61%
#223 of 1077 Top 20.6% in 100M-500M tier
248
Member Growth Rate
growth
Value: 2.65%
Peer Avg: 0.72%
#248 of 1077 Top 22.9% in 100M-500M tier

Top Weaknesses (4 metrics)

904
Return on Assets (ROA)
profitability
Value: 0.26%
Peer Avg: 0.79%
#904 of 1077 Bottom 16.2% in 100M-500M tier
871
Net Charge-Off Rate
risk
Value: 0.71%
Peer Avg: 0.47%
#871 of 1077 Bottom 19.2% in 100M-500M tier
857
Net Worth Ratio
risk
Value: 9.50%
Peer Avg: 12.15%
#857 of 1077 Bottom 20.5% in 100M-500M tier
848
Total Delinquency Rate (60+ days)
risk
Value: 1.23%
Peer Avg: 0.86%
#848 of 1077 Bottom 21.4% in 100M-500M tier