TRONA VALLEY COMMUNITY
Charter #15741 | WY
100M-500M
(1077 CUs)
Micro
($0-$500M)
7 100M-500M in WY
TRONA VALLEY COMMUNITY has 8 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 10.6% in tier
- + ROA 0.35% above tier average
- + Net Interest Margin 0.89% above tier average
- + Total Loans: Top 4.1% in tier
- + Total Assets: Top 5.3% in tier
- + Total Deposits: Top 5.8% in tier
- + Total Members: Top 6.9% in tier
- + Efficiency Ratio: Top 7.3% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 4.8% in tier
- - Indirect Auto Dependency: Bottom 4.8% in tier
- - Liquidity Overhang: Bottom 24.0% in tier
- - Net Charge-Off Rate: Bottom 3.3% in tier
- - Indirect Auto Concentration (%): Bottom 8.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
30,620
+4.4% YoY+0.9% QoQ
|
+15.0K |
15,628
-3.4% YoY
|
21,805
+7.5% YoY
|
33,089
+6.1% YoY
|
Top 7.0% in tier |
| Assets |
$442.3M
+7.9% YoY+0.1% QoQ
|
+$211.0M |
$231.3M
-0.0% YoY
|
$326.6M
+9.9% YoY
|
$547.7M
+7.8% YoY
|
Top 5.4% in tier |
| Loans |
$320.5M
+0.9% YoY+0.8% QoQ
|
+$172.7M |
$147.8M
-1.4% YoY
|
$246.2M
+9.3% YoY
|
$388.7M
+8.6% YoY
|
Top 4.2% in tier |
| Deposits |
$375.6M
+7.5% YoY-0.1% QoQ
|
+$175.3M |
$200.3M
-0.0% YoY
|
$279.6M
+8.1% YoY
|
$464.6M
+9.3% YoY
|
Top 5.9% in tier |
| ROA |
1.1%
-33.6% YoY+5.9% QoQ
|
+0.3% |
0.8%
+15.5% YoY
|
1.2%
+23.5% YoY
|
0.7%
+273.4% YoY
|
74th in tier |
| NIM |
4.5%
+3.7% YoY+1.4% QoQ
|
+0.9% |
3.6%
+6.9% YoY
|
3.9%
+2.2% YoY
|
3.7%
+5.0% YoY
|
Top 9.5% in tier |
| Efficiency Ratio |
59.0%
+4.8% YoY-0.2% QoQ
|
-18.3% |
77.3%
-3.0% YoY
|
69.2%
-3.0% YoY
|
79.1%
-3.3% YoY
|
Bottom 7.3% in tier |
| Delinquency Rate |
0.7%
-37.2% YoY-8.0% QoQ
|
-0.1 |
0.9%
+7.6% YoY
|
2.1%
+78.2% YoY
|
1.2%
-0.9% YoY
|
54th in tier |
| Loan To Share |
85.3%
-6.2% YoY+0.9% QoQ
|
+12.6% |
72.7%
-1.5% YoY
|
79.1%
-2.4% YoY
|
68.0%
-1.7% YoY
|
Top 24.6% in tier |
| AMR |
$22,733
-0.0% YoY-0.6% QoQ
|
$-2K |
$24,363
+2.9% YoY
|
$22,916
+4.8% YoY
|
$19,418
+1.3% YoY
|
52nd in tier |
| CD Concentration |
24.4%
-0.7% YoY-0.0% QoQ
|
+0.0% |
24.4%
+4.2% YoY
|
26.0%
+2.0% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % |
41.5%
-7.3% YoY-2.4% QoQ
|
+27.5% |
14.0%
-5.8% YoY
|
19.6%
+0.8% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (1)
Organic Growth Engine
growth
#195 of 603 • Top 10.6% in tier
Growing membership while maintaining profitability. Healthy fundamentals in place.
Why This Signature
Member Growth (YoY):
4.40%
(Tier:
0.88%, National:
9.37%)
Return on Assets:
1.13%
(Tier:
0.77%, National:
0.71%)
Indirect Auto %:
41.46%
(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
Concerns (3)
Margin Compression
decline
#21 of 136 • Bottom 4.8% in tier
Strong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.
Why This Signature
Return on Assets:
1.13%
(Tier:
0.77%, National:
0.71%)
ROA Change (YoY):
-0.57% points
(Tier:
0.11% points, National:
0.05% points)
Total Assets:
$442.34M
(Tier: $231.30M, National: $547.69M)
136 of 1077 Community CUs have this signature
| 169 nationally
↓ Shrinking
-43 CUs YoY
|
Rank worsening
Indirect Auto Dependency
risk
#78 of 525 • Bottom 4.8% in tier
Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Why This Signature
Asset Growth (YoY):
7.88%
(Tier:
4.61%, National:
3.04%)
Indirect Auto %:
41.46%
(Tier:
13.96%, National:
7.90%)
Member Growth (YoY):
4.40%
(Tier:
0.88%, National:
9.37%)
525 of 1077 Community CUs have this signature
| 768 nationally
↓ Shrinking
-18 CUs YoY
|
Rank improving
Liquidity Overhang
risk
#372 of 552 • Bottom 24.0% 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:
14.09%
(Tier:
11.95%, National:
14.51%)
Loan-to-Share Ratio:
85.34%
(Tier:
74.56%, National:
67.96%)
552 of 1077 Community CUs have this signature
| 691 nationally
↑ Growing
+65 CUs YoY
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 (12 metrics)
45
Total Loans
balance_sheet
Value:
$320.50M
Peer Avg: $147.80M
#45 of 1077
Top 4.1% in 100M-500M tier
58
Total Assets
balance_sheet
Value:
$442.34M
Peer Avg: $231.30M
#58 of 1077
Top 5.3% in 100M-500M tier
64
Total Deposits
balance_sheet
Value:
$375.57M
Peer Avg: $200.29M
#64 of 1077
Top 5.8% in 100M-500M tier
75
Total Members
engagement
Value:
30,620
Peer Avg: 15,628
#75 of 1077
Top 6.9% in 100M-500M tier
80
Efficiency Ratio
profitability
Value:
58.99%
Peer Avg: 77.28%
#80 of 1077
Top 7.3% in 100M-500M tier
102
Net Interest Margin (NIM)
profitability
Value:
4.48%
Peer Avg: 3.58%
#102 of 1077
Top 9.4% in 100M-500M tier
122
Member Growth Rate
growth
Value:
4.40%
Peer Avg: 0.72%
#122 of 1077
Top 11.2% in 100M-500M tier
204
Fee Income Per Member
profitability
Value:
$230.63
Peer Avg: $174.31
#204 of 1077
Top 18.8% in 100M-500M tier
220
Asset Growth Rate
growth
Value:
7.88%
Peer Avg: 4.70%
#220 of 1077
Top 20.3% in 100M-500M tier
224
Net Worth Ratio
risk
Value:
14.09%
Peer Avg: 12.15%
#224 of 1077
Top 20.7% in 100M-500M tier
Top Weaknesses (3 metrics)
1042
Net Charge-Off Rate
risk
Value:
1.59%
Peer Avg: 0.47%
#1042 of 1077
Bottom 3.3% in 100M-500M tier
992
Indirect Auto Concentration (%)
balance_sheet
Value:
41.46%
Peer Avg: 13.34%
#992 of 1077
Bottom 8.0% in 100M-500M tier
845
AMR Growth Rate
growth
Value:
-0.02%
Peer Avg: 3.64%
#845 of 1077
Bottom 21.6% in 100M-500M tier