SALT EMPLOYEES
Charter #15001 | TX
<100M
(2596 CUs)
Micro
($0-$500M)
245 <100M in TX
SALT EMPLOYEES has 5 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 1.9% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 1.55% below tier average
- - Efficiency ratio 24.55% above tier (higher cost structure)
- - Member decline: -4.0% YoY
- - Total Deposits: Bottom 6.1% in tier
- - Loan Growth Rate: Bottom 7.7% in tier
- - Total Assets: Bottom 8.0% in tier
- - Total Members: Bottom 8.6% in tier
- - Average Member Relationship (AMR): Bottom 8.8% in tier
- - Total Loans: Bottom 9.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
315
-4.0% YoY-0.3% QoQ
|
-2.3K |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
Bottom 8.6% in tier |
| Assets |
$1.6M
+0.9% YoY+6.4% QoQ
|
$-28.3M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
Bottom 8.0% in tier |
| Loans |
$680,945
-18.2% YoY-3.3% QoQ
|
$-15.1M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 9.2% in tier |
| Deposits |
$847,684
+5.4% YoY+11.0% QoQ
|
$-24.6M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
Bottom 6.1% in tier |
| ROA |
-0.9%
-17.0% YoY-28.8% QoQ
|
-1.5% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 6.1% in tier |
| NIM |
3.8%
-6.5% YoY-4.4% QoQ
|
-0.1% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
46th in tier |
| Efficiency Ratio |
105.9%
+10.2% YoY-0.1% QoQ
|
+24.6% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
Top 7.9% in tier |
| Delinquency Rate |
0.0%
-99.5% YoY-99.2% QoQ
|
-1.5 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
Bottom 14.1% in tier |
| Loan To Share |
80.3%
-22.4% YoY-12.9% QoQ
|
+19.1% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
Top 22.0% in tier |
| AMR |
$4,853
-2.8% YoY+4.5% QoQ
|
$-10K |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 8.8% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (8 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
50
Net Worth Ratio
risk
Value:
41.82%
Peer Avg: 16.43%
#50 of 2596
Top 1.9% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
368
Total Delinquency Rate (60+ days)
risk
Value:
0.02%
Peer Avg: 1.51%
#368 of 2596
Top 14.1% in <100M tier
567
Loan-to-Share Ratio
balance_sheet
Value:
80.33%
Peer Avg: 61.23%
#567 of 2596
Top 21.8% in <100M tier
577
Deposit Growth Rate
growth
Value:
5.38%
Peer Avg: 16.80%
#577 of 2596
Top 22.2% in <100M tier
Top Weaknesses (12 metrics)
2438
Total Deposits
balance_sheet
Value:
$847,684
Peer Avg: $25.45M
#2438 of 2596
Bottom 6.1% in <100M tier
2437
Return on Assets (ROA)
profitability
Value:
-0.87%
Peer Avg: 0.68%
#2437 of 2596
Bottom 6.2% in <100M tier
2397
Loan Growth Rate
growth
Value:
-18.23%
Peer Avg: 59.01%
#2397 of 2596
Bottom 7.7% in <100M tier
2392
Efficiency Ratio
profitability
Value:
105.95%
Peer Avg: 81.39%
#2392 of 2596
Bottom 7.9% in <100M tier
2389
Total Assets
balance_sheet
Value:
$1.58M
Peer Avg: $29.86M
#2389 of 2596
Bottom 8.0% in <100M tier
2374
Total Members
engagement
Value:
315
Peer Avg: 2,626
#2374 of 2596
Bottom 8.6% in <100M tier
2368
Average Member Relationship (AMR)
engagement
Value:
$4,853
Peer Avg: $14,627
#2368 of 2596
Bottom 8.8% in <100M tier
2358
Total Loans
balance_sheet
Value:
$680,945
Peer Avg: $15.77M
#2358 of 2596
Bottom 9.2% in <100M tier
2329
Members Per Employee (MPE)
engagement
Value:
157.500
Peer Avg: 365.701
#2329 of 2596
Bottom 10.3% in <100M tier
2264
Fee Income Per Member
profitability
Value:
$3.83
Peer Avg: $182.96
#2264 of 2596
Bottom 12.8% in <100M tier