COMMUNITY POWERED
Charter #15185 | DE
100M-500M
(1077 CUs)
Micro
($0-$500M)
5 100M-500M in DE
COMMUNITY POWERED has 12 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 0.4% in tier
- + Organic Growth Engine: Top 0.7% in tier
- + Emerging Performer: Top 2.6% in tier
- + ROA 0.31% above tier average
- + Net Interest Margin 0.17% above tier average
- + Strong member growth: 30.8% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 1.3% in tier
- + Asset Growth Rate: Top 2.8% in tier
- + Deposit Growth Rate: Top 3.2% in tier
- + Share Certificate Concentration (%): Top 8.3% in tier
- + Net Worth Ratio: Top 9.3% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 1.3% in tier
- - Liquidity Overhang: Bottom 2.2% in tier
- - Credit Quality Pressure: Bottom 12.0% in tier
- - Growth-at-Risk: Bottom 16.8% in tier
- - Margin Compression: Bottom 18.6% in tier
- - Delinquency rate 0.90% above tier average
- - AMR Growth Rate: Bottom 1.1% in tier
- - Loan-to-Member Ratio (LMR): Bottom 5.9% in tier
- - Total Loans: Bottom 7.8% in tier
- - Loan-to-Share Ratio: Bottom 7.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (DE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
11,302
+30.8% YoY+0.0% QoQ
|
-4.3K |
15,628
-3.4% YoY
|
17,253
+10.0% YoY
|
33,089
+6.1% YoY
|
37th in tier |
| Assets |
$142.8M
+18.0% YoY-0.9% QoQ
|
$-88.5M |
$231.3M
-0.0% YoY
|
$195.2M
+8.0% YoY
|
$547.7M
+7.8% YoY
|
28th in tier |
| Loans |
$56.3M
+4.0% YoY-1.8% QoQ
|
$-91.5M |
$147.8M
-1.4% YoY
|
$121.5M
+9.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 7.7% in tier |
| Deposits |
$119.4M
+16.6% YoY-1.8% QoQ
|
$-80.9M |
$200.3M
-0.0% YoY
|
$172.1M
+8.7% YoY
|
$464.6M
+9.3% YoY
|
26th in tier |
| ROA |
1.1%
-18.7% YoY-10.9% QoQ
|
+0.3% |
0.8%
+15.5% YoY
|
2.8%
+77.8% YoY
|
0.7%
+273.4% YoY
|
72nd in tier |
| NIM |
3.8%
+1.8% YoY-3.3% QoQ
|
+0.2% |
3.6%
+6.9% YoY
|
3.3%
+6.1% YoY
|
3.7%
+5.0% YoY
|
60th in tier |
| Efficiency Ratio |
74.3%
+4.9% YoY+3.3% QoQ
|
-3.0% |
77.3%
-3.0% YoY
|
77.7%
-4.8% YoY
|
79.1%
-3.3% YoY
|
39th in tier |
| Delinquency Rate |
1.8%
+17.1% YoY-20.5% QoQ
|
+0.9 |
0.9%
+7.6% YoY
|
2.7%
+22.3% YoY
|
1.2%
-0.9% YoY
|
Top 10.0% in tier |
| Loan To Share |
47.1%
-10.8% YoY-0.0% QoQ
|
-25.6% |
72.7%
-1.5% YoY
|
48.0%
+0.7% YoY
|
68.0%
-1.7% YoY
|
Bottom 7.8% in tier |
| AMR |
$15,538
-14.2% YoY-1.9% QoQ
|
$-9K |
$24,363
+2.9% YoY
|
$13,877
+1.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 12.1% in tier |
| CD Concentration |
8.4%
-13.8% YoY+0.3% QoQ
|
-16.0% |
24.4%
+4.2% YoY
|
12.6%
+3.7% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
7.8%
-5.9% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (3)
Organic Growth Leader
growth
#6 of 430 • Top 0.4% in tier
Attracting members without relying on indirect channels. Healthy, sustainable growth model.
Why This Signature
Member Growth (YoY):
30.81%
(Tier:
0.88%, National:
9.37%)
430 of 1077 Community CUs have this signature
| 608 nationally
↓ Shrinking
-21 CUs YoY
|
Rank improving
Organic Growth Engine
growth
#13 of 603 • Top 0.7% in tier
Growing membership while maintaining profitability. Healthy fundamentals in place.
Why This Signature
Member Growth (YoY):
30.81%
(Tier:
0.88%, National:
9.37%)
Return on Assets:
1.10%
(Tier:
0.77%, National:
0.71%)
Indirect Auto %:
0.00%
(Tier:
13.96%, National:
7.90%)
603 of 1077 Community CUs have this signature
| 917 nationally
→ Stable (608→603 CUs)
-5 CUs YoY
|
Rank worsening
Emerging Performer
growth
#49 of 627 • Top 2.6% in tier
Profitable credit union with positive returns. May represent growth potential worth exploring.
Why This Signature
Return on Assets:
1.10%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
30.81%
(Tier:
0.88%, National:
9.37%)
627 of 1077 Community CUs have this signature
| 852 nationally
↑ Growing
+13 CUs YoY
|
Rank improving
Concerns (5)
Shrinking Wallet Share
decline
#14 of 244 • Bottom 1.3% in tier
Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Why This Signature
AMR Growth (YoY):
-14.18%
(Tier:
3.68%, National:
4.19%)
244 of 1077 Community CUs have this signature
| 346 nationally
↓ Shrinking
-221 CUs YoY
|
Rank improving
Liquidity Overhang
risk
#35 of 552 • Bottom 2.2% 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:
16.45%
(Tier:
11.95%, National:
14.51%)
Loan-to-Share Ratio:
47.13%
(Tier:
74.56%, National:
67.96%)
552 of 1077 Community CUs have this signature
| 691 nationally
↑ Growing
+65 CUs YoY
|
Rank improving
Credit Quality Pressure
risk
#297 of 736 • Bottom 12.0% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
0.26% points
(Tier:
0.04% points, National:
0.07% points)
736 of 1077 Community CUs have this signature
| 1002 nationally
↓ Shrinking
-199 CUs YoY
|
Rank worsening
Growth-at-Risk
risk
#253 of 446 • Bottom 16.8% in tier
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Why This Signature
Loan Growth (YoY):
4.03%
(Tier:
3.64%, National:
36.38%)
Delinquency Change (YoY):
0.26% points
(Tier:
0.04% points, National:
0.07% points)
446 of 1077 Community CUs have this signature
| 646 nationally
↓ Shrinking
-77 CUs YoY
|
Rank improving
Margin Compression
decline
#79 of 136 • Bottom 18.6% in tier
Strong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.
Why This Signature
Return on Assets:
1.10%
(Tier:
0.77%, National:
0.71%)
ROA Change (YoY):
-0.25% points
(Tier:
0.11% points, National:
0.05% points)
Total Assets:
$142.78M
(Tier: $231.30M, National: $547.69M)
136 of 1077 Community CUs have this signature
| 169 nationally
↓ Shrinking
-43 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)
Top Strengths (8 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 13.34%
#1 of 1077
Top 0.0% in 100M-500M tier
15
Member Growth Rate
growth
Value:
30.81%
Peer Avg: 0.72%
#15 of 1077
Top 1.3% in 100M-500M tier
31
Asset Growth Rate
growth
Value:
18.03%
Peer Avg: 4.70%
#31 of 1077
Top 2.8% in 100M-500M tier
35
Deposit Growth Rate
growth
Value:
16.60%
Peer Avg: 4.69%
#35 of 1077
Top 3.2% in 100M-500M tier
90
Share Certificate Concentration (%)
balance_sheet
Value:
8.38%
Peer Avg: 23.61%
#90 of 1077
Top 8.3% in 100M-500M tier
101
Net Worth Ratio
risk
Value:
16.45%
Peer Avg: 12.15%
#101 of 1077
Top 9.3% in 100M-500M tier
145
Members Per Employee (MPE)
engagement
Value:
434.692
Peer Avg: 332.881
#145 of 1077
Top 13.4% in 100M-500M tier
246
Net Charge-Off Rate
risk
Value:
0.15%
Peer Avg: 0.47%
#246 of 1077
Top 22.7% in 100M-500M tier
Top Weaknesses (6 metrics)
1066
AMR Growth Rate
growth
Value:
-14.18%
Peer Avg: 3.64%
#1066 of 1077
Bottom 1.1% in 100M-500M tier
1014
Loan-to-Member Ratio (LMR)
engagement
Value:
$4,977
Peer Avg: $10,245
#1014 of 1077
Bottom 5.9% in 100M-500M tier
994
Total Loans
balance_sheet
Value:
$56.25M
Peer Avg: $147.80M
#994 of 1077
Bottom 7.8% in 100M-500M tier
993
Loan-to-Share Ratio
balance_sheet
Value:
47.13%
Peer Avg: 72.70%
#993 of 1077
Bottom 7.9% in 100M-500M tier
970
Total Delinquency Rate (60+ days)
risk
Value:
1.75%
Peer Avg: 0.86%
#970 of 1077
Bottom 10.0% in 100M-500M tier
947
Average Member Relationship (AMR)
engagement
Value:
$15,538
Peer Avg: $24,363
#947 of 1077
Bottom 12.2% in 100M-500M tier