TONGASS

Charter #15523 | AK

100M-500M (1077 CUs) Micro
5 100M-500M in AK

TONGASS has 6 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 7.0% in tier
  • + Organic Growth Leader: Top 8.5% in tier
  • + Wallet Share Momentum: Top 20.0% in tier
  • + Organic Growth Engine: Top 21.0% in tier
  • + Net Interest Margin 0.67% above tier average
  • + Asset Growth Rate: Top 8.4% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 9.0% in tier
  • - Liquidity Overhang: Bottom 21.8% in tier
  • - ROA 0.46% below tier average
  • - Efficiency ratio 14.28% above tier (higher cost structure)
  • - Members Per Employee (MPE): Bottom 0.8% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (AK) National Avg Tier Percentile
Members 14,295
+4.3% YoY+1.5% QoQ
 -1.3K 15,628
-3.4% YoY
 113,900
+3.3% YoY
 33,089
+6.1% YoY
 54th in tier
Assets $249.6M
+11.1% YoY+9.2% QoQ
 +$18.3M $231.3M
-0.0% YoY
 $1.8B
+11.8% YoY
 $547.7M
+7.8% YoY
 64th in tier
Loans $161.1M
+8.4% YoY+3.6% QoQ
 +$13.3M $147.8M
-1.4% YoY
 $1.5B
+8.8% YoY
 $388.7M
+8.6% YoY
 64th in tier
Deposits $212.6M
+9.0% YoY+7.8% QoQ
 +$12.3M $200.3M
-0.0% YoY
 $1.6B
+14.4% YoY
 $464.6M
+9.3% YoY
 62nd in tier
ROA 0.3%
+79.6% YoY+26.4% QoQ
 -0.5% 0.8%
+15.5% YoY
 0.6%
+34.6% YoY
 0.7%
+273.4% YoY
 Bottom 20.1% in tier
NIM 4.3%
-1.9% YoY-3.3% QoQ
 +0.7% 3.6%
+6.9% YoY
 4.2%
+5.6% YoY
 3.7%
+5.0% YoY
 Top 15.4% in tier
Efficiency Ratio 91.6%
-1.8% YoY-1.9% QoQ
 +14.3% 77.3%
-3.0% YoY
 78.1%
-3.3% YoY
 79.1%
-3.3% YoY
 Top 8.0% in tier
Delinquency Rate 0.3%
-0.6% YoY+16.2% QoQ
 -0.5 0.9%
+7.6% YoY
 0.8%
-14.6% YoY
 1.2%
-0.9% YoY
 Bottom 20.8% in tier
Loan To Share 75.8%
-0.5% YoY-3.9% QoQ
 +3.1% 72.7%
-1.5% YoY
 77.0%
-0.7% YoY
 68.0%
-1.7% YoY
 53rd in tier
AMR $26,142
+4.3% YoY+4.4% QoQ
 +$2K $24,363
+2.9% YoY
 $25,886
+3.8% YoY
 $19,418
+1.3% YoY
 70th in tier
CD Concentration 25.6%
+19.6% YoY-3.8% QoQ
 +1.2% 24.4%
+4.2% YoY
 21.9%
+3.2% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 3.6%
+171.0% YoY+337.0% QoQ
 -10.4% 14.0%
-5.8% YoY
 15.6%
-2.3% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (4)

Relationship Depth Leader

growth
#193 of 1006 • Top 7.0% in tier

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

Why This Signature
AMR Growth (YoY): 4.27%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $4.5K
(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 Leader

growth
#113 of 430 • Top 8.5% in tier

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

Why This Signature
Member Growth (YoY): 4.27%
(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

Wallet Share Momentum

growth
#552 of 1006 • Top 20.0% in tier

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

Why This Signature
AMR Growth (YoY): 4.27%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Organic Growth Engine

growth
#386 of 603 • Top 21.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 4.27%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.33%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 3.60%
(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

Concerns (2)

Efficiency Drag

risk
#159 of 521 • Bottom 9.0% in tier

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

Why This Signature
Efficiency Ratio: 91.56%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.15% points
(Tier: 0.11% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): 4.27%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank improving

Liquidity Overhang

risk
#338 of 552 • Bottom 21.8% 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: 13.47%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 75.81%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank worsening

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 (7 metrics)

91
Asset Growth Rate
growth
Value: 11.06%
Peer Avg: 4.70%
#91 of 1077 Top 8.4% in 100M-500M tier
131
Member Growth Rate
growth
Value: 4.27%
Peer Avg: 0.72%
#131 of 1077 Top 12.1% in 100M-500M tier
166
Net Interest Margin (NIM)
profitability
Value: 4.26%
Peer Avg: 3.58%
#166 of 1077 Top 15.3% in 100M-500M tier
166
Deposit Growth Rate
growth
Value: 8.98%
Peer Avg: 4.69%
#166 of 1077 Top 15.3% in 100M-500M tier
225
Total Delinquency Rate (60+ days)
risk
Value: 0.33%
Peer Avg: 0.86%
#225 of 1077 Top 20.8% in 100M-500M tier
227
Loan Growth Rate
growth
Value: 8.38%
Peer Avg: 3.45%
#227 of 1077 Top 21.0% in 100M-500M tier
234
Net Charge-Off Rate
risk
Value: 0.15%
Peer Avg: 0.47%
#234 of 1077 Top 21.6% in 100M-500M tier

Top Weaknesses (3 metrics)

1069
Members Per Employee (MPE)
engagement
Value: 168.176
Peer Avg: 332.881
#1069 of 1077 Bottom 0.8% in 100M-500M tier
992
Efficiency Ratio
profitability
Value: 91.56%
Peer Avg: 77.28%
#992 of 1077 Bottom 8.0% in 100M-500M tier
861
Return on Assets (ROA)
profitability
Value: 0.33%
Peer Avg: 0.79%
#861 of 1077 Bottom 20.1% in 100M-500M tier