DUGOOD

Charter #15146 | TX

500M-750M (169 CUs) Community (281 CUs)
16 500M-750M in TX

DUGOOD has 8 strengths but faces 1 concern

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 8.1% in tier
  • + Relationship Depth Leader: Top 9.4% in tier
  • + Organic Growth Leader: Top 16.8% in tier
  • + Wallet Share Momentum: Top 17.4% in tier
  • + ROA 0.96% above tier average
  • + Total Delinquency Rate (60+ days): Top 0.0% in tier
  • + Efficiency Ratio: Top 4.1% in tier
  • + Asset Growth Rate: Top 7.7% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 27.6% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Members 37,211
+2.4% YoY+1.0% QoQ
 -2.5K 39,752
-2.7% YoY
 26,896
+3.7% YoY
 33,089
+6.1% YoY
 47th in tier
Assets $585.6M
+11.2% YoY+3.2% QoQ
 $-36.8M $622.4M
+0.3% YoY
 $411.3M
+5.9% YoY
 $547.7M
+7.8% YoY
 37th in tier
Loans $394.1M
+3.4% YoY+2.4% QoQ
 $-41.9M $435.9M
-0.4% YoY
 $295.8M
+5.3% YoY
 $388.7M
+8.6% YoY
 28th in tier
Deposits $503.6M
+11.1% YoY+3.2% QoQ
 $-34.4M $538.0M
+1.3% YoY
 $341.5M
+6.1% YoY
 $464.6M
+9.3% YoY
 34th in tier
ROA 1.6%
+13.8% YoY+4.6% QoQ
 +1.0% 0.7%
+33.9% YoY
 0.5%
-24.0% YoY
 0.7%
+273.4% YoY
 Top 5.9% in tier
NIM 3.4%
-0.1% YoY-0.3% QoQ
 -0.0% 3.4%
+8.6% YoY
 3.9%
+4.3% YoY
 3.7%
+5.0% YoY
 47th in tier
Efficiency Ratio 61.1%
-5.5% YoY-1.9% QoQ
 -17.0% 78.1%
-3.4% YoY
 79.6%
-0.9% YoY
 79.1%
-3.3% YoY
 Bottom 4.1% in tier
Delinquency Rate 0.1%
-41.4% YoY-9.2% QoQ
 -0.7 0.8%
-4.9% YoY
 1.2%
+20.3% YoY
 1.2%
-0.9% YoY
 Bottom 0.0% in tier
Loan To Share 78.2%
-6.9% YoY-0.7% QoQ
 -2.8% 81.0%
-1.8% YoY
 71.8%
-2.5% YoY
 68.0%
-1.7% YoY
 34th in tier
AMR $24,123
+5.0% YoY+1.9% QoQ
 $-2K $26,482
+2.6% YoY
 $17,515
+1.3% YoY
 $19,418
+1.3% YoY
 46th in tier
CD Concentration 27.4%
+6.9% YoY+0.9% QoQ
 +3.0% 24.4%
+4.2% YoY
 20.9%
+7.1% YoY
 19.6%
+6.2% YoY
 62nd in tier
Indirect Auto % 13.0%
-13.1% YoY-5.5% QoQ
 -0.9% 14.0%
-5.8% YoY
 7.2%
-0.2% YoY
 7.9%
-2.9% YoY
 59th in tier

Signature Analysis

Strengths (4)

Organic Growth Engine

growth
#149 of 603 • Top 8.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.42%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 1.62%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 13.02%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#259 of 1006 • Top 9.4% in tier

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

Why This Signature
AMR Growth (YoY): 5.02%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.4K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Organic Growth Leader

growth
#222 of 430 • Top 16.8% in tier

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

Why This Signature
Member Growth (YoY): 2.42%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 281 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#480 of 1006 • Top 17.4% in tier

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

Why This Signature
AMR Growth (YoY): 5.02%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Concerns (1)

Liquidity Overhang

risk
#428 of 552 • Bottom 27.6% 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: 12.82%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 78.25%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 281 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank improving

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 169 peers in tier

Top Strengths (6 metrics)

1
Total Delinquency Rate (60+ days)
risk
Value: 0.09%
Peer Avg: 0.80%
#1 of 169 Top 0.0% in 500M-750M tier
8
Efficiency Ratio
profitability
Value: 61.14%
Peer Avg: 78.10%
#8 of 169 Top 4.1% in 500M-750M tier
10
Return on Assets (ROA)
profitability
Value: 1.62%
Peer Avg: 0.66%
#10 of 169 Top 5.3% in 500M-750M tier
14
Asset Growth Rate
growth
Value: 11.20%
Peer Avg: 4.33%
#14 of 169 Top 7.7% in 500M-750M tier
22
Deposit Growth Rate
growth
Value: 11.07%
Peer Avg: 5.25%
#22 of 169 Top 12.4% in 500M-750M tier
32
Net Worth Ratio
risk
Value: 12.82%
Peer Avg: 10.94%
#32 of 169 Top 18.3% in 500M-750M tier

Top Weaknesses (1 metrics)

142
First Mortgage Concentration (%)
balance_sheet
Value: 47.64%
Peer Avg: 33.53%
#142 of 169 Bottom 16.6% in 500M-750M tier