CALL

Charter #15209 | VA

500M-750M (169 CUs) Community (281 CUs)
6 500M-750M in VA

CALL has 4 strengths but faces 9 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 5.7% in tier
  • + Wallet Share Momentum: Top 16.0% in tier
  • + Share Certificate Concentration (%): Top 0.0% in tier
  • + Net Charge-Off Rate: Top 6.5% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 4.9% in tier
  • - Membership Headwinds: Bottom 15.6% in tier
  • - Stagnation Risk: Bottom 18.5% in tier
  • - ROA 0.33% below tier average
  • - Efficiency ratio 13.06% above tier (higher cost structure)
  • - Member decline: -2.7% YoY
  • - Total Loans: Bottom 5.3% in tier
  • - Loan-to-Share Ratio: Bottom 5.9% in tier
  • - Members Per Employee (MPE): Bottom 6.5% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Members 27,680
-2.7% YoY-0.5% QoQ
 -12.1K 39,752
-2.7% YoY
 220,190
+7.3% YoY
 33,089
+6.1% YoY
 Bottom 12.4% in tier
Assets $538.5M
+3.5% YoY-0.5% QoQ
 $-83.9M $622.4M
+0.3% YoY
 $2.9B
+6.5% YoY
 $547.7M
+7.8% YoY
 Bottom 16.6% in tier
Loans $265.2M
+2.2% YoY-0.1% QoQ
 $-170.7M $435.9M
-0.4% YoY
 $2.1B
+5.3% YoY
 $388.7M
+8.6% YoY
 Bottom 4.7% in tier
Deposits $481.4M
+2.7% YoY-0.9% QoQ
 $-56.7M $538.0M
+1.3% YoY
 $2.4B
+8.1% YoY
 $464.6M
+9.3% YoY
 Bottom 23.7% in tier
ROA 0.3%
-23.0% YoY+4.2% QoQ
 -0.3% 0.7%
+33.9% YoY
 0.7%
+11.3% YoY
 0.7%
+273.4% YoY
 29th in tier
NIM 3.1%
+2.6% YoY+3.3% QoQ
 -0.4% 3.4%
+8.6% YoY
 3.9%
+2.0% YoY
 3.7%
+5.0% YoY
 26th in tier
Efficiency Ratio 91.2%
+4.0% YoY-0.2% QoQ
 +13.1% 78.1%
-3.4% YoY
 80.4%
+0.4% YoY
 79.1%
-3.3% YoY
 Top 9.5% in tier
Delinquency Rate 0.4%
-8.5% YoY+34.5% QoQ
 -0.4 0.8%
-4.9% YoY
 1.7%
+32.7% YoY
 1.2%
-0.9% YoY
 Bottom 21.3% in tier
Loan To Share 55.1%
-0.6% YoY+0.7% QoQ
 -25.9% 81.0%
-1.8% YoY
 66.7%
-4.2% YoY
 68.0%
-1.7% YoY
 Bottom 5.3% in tier
AMR $26,972
+5.4% YoY-0.1% QoQ
 +$490 $26,482
+2.6% YoY
 $18,613
+1.9% YoY
 $19,418
+1.3% YoY
 62nd in tier
CD Concentration 7.7%
-8.0% YoY-2.0% QoQ
 -16.8% 24.4%
+4.2% YoY
 18.8%
+3.1% YoY
 19.6%
+6.2% YoY
 Bottom 6.2% in tier
Indirect Auto % 0.0%
-85.9% YoY-39.2% QoQ
 -14.0% 14.0%
-5.8% YoY
 9.7%
-0.5% YoY
 7.9%
-2.9% YoY
 30th in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth
#157 of 1006 • Top 5.7% in tier

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

Why This Signature
AMR Growth (YoY): 5.36%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $4.1K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Wallet Share Momentum

growth
#443 of 1006 • Top 16.0% in tier

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

Why This Signature
AMR Growth (YoY): 5.36%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (3)

Efficiency Drag

risk
#87 of 521 • Bottom 4.9% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 91.15%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.10% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): -2.69%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 281 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank improving

Membership Headwinds

decline
#257 of 550 • Bottom 15.6% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -2.69%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Stagnation Risk

risk
#305 of 550 • Bottom 18.5% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.33%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -2.69%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $27.0K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 7.65%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 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 (4 metrics)

1
Share Certificate Concentration (%)
balance_sheet
Value: 7.65%
Peer Avg: 26.87%
#1 of 169 Top 0.0% in 500M-750M tier
12
Net Charge-Off Rate
risk
Value: 0.06%
Peer Avg: 0.51%
#12 of 169 Top 6.5% in 500M-750M tier
37
Total Delinquency Rate (60+ days)
risk
Value: 0.35%
Peer Avg: 0.80%
#37 of 169 Top 21.3% in 500M-750M tier
37
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 16.19%
#37 of 169 Top 21.3% in 500M-750M tier

Top Weaknesses (8 metrics)

161
Total Loans
balance_sheet
Value: $265.22M
Peer Avg: $435.95M
#161 of 169 Bottom 5.3% in 500M-750M tier
160
Loan-to-Share Ratio
balance_sheet
Value: 55.10%
Peer Avg: 81.02%
#160 of 169 Bottom 5.9% in 500M-750M tier
159
Members Per Employee (MPE)
engagement
Value: 228.760
Peer Avg: 338.010
#159 of 169 Bottom 6.5% in 500M-750M tier
154
Efficiency Ratio
profitability
Value: 91.15%
Peer Avg: 78.10%
#154 of 169 Bottom 9.5% in 500M-750M tier
148
Total Members
engagement
Value: 27,680
Peer Avg: 39,752
#148 of 169 Bottom 13.0% in 500M-750M tier
145
Member Growth Rate
growth
Value: -2.69%
Peer Avg: 1.75%
#145 of 169 Bottom 14.8% in 500M-750M tier
141
Total Assets
balance_sheet
Value: $538.52M
Peer Avg: $622.38M
#141 of 169 Bottom 17.2% in 500M-750M tier
129
Total Deposits
balance_sheet
Value: $481.36M
Peer Avg: $538.02M
#129 of 169 Bottom 24.3% in 500M-750M tier