THREE RIVERS

Charter #159 | IN

1B-3B (304 CUs) Mid-Market (380 CUs)
11 1B-3B in IN

THREE RIVERS has 7 strengths but faces 4 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 3.6% in tier
  • + Organic Growth Leader: Top 19.4% in tier
  • + ROA 1.01% above tier average
  • + Net Interest Margin 0.18% above tier average
  • + Fee Income Per Member: Top 4.9% in tier
  • + Total Assets: Top 5.6% in tier
  • + Efficiency Ratio: Top 8.2% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 17.5% in tier
  • - Credit Quality Pressure: Bottom 23.7% in tier
  • - Liquidity Strain: Bottom 34.3% in tier
  • - Delinquency rate 0.37% above tier average

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Members 137,381
+2.9% YoY+0.8% QoQ
 +38.7K 98,678
-1.9% YoY
 22,637
+3.1% YoY
 33,089
+6.1% YoY
 Top 17.8% in tier
Assets $2.7B
+10.2% YoY+0.2% QoQ
 +$998.0M $1.7B
+0.5% YoY
 $383.9M
+8.8% YoY
 $547.7M
+7.8% YoY
 Top 5.9% in tier
Loans $1.8B
-0.2% YoY+0.5% QoQ
 +$589.9M $1.2B
+0.5% YoY
 $276.9M
+7.4% YoY
 $388.7M
+8.6% YoY
 Top 13.8% in tier
Deposits $2.0B
+5.4% YoY-0.7% QoQ
 +$560.0M $1.5B
+1.3% YoY
 $323.0M
+10.5% YoY
 $464.6M
+9.3% YoY
 Top 18.4% in tier
ROA 1.7%
+32.4% YoY+9.4% QoQ
 +1.0% 0.7%
+13.4% YoY
 0.9%
+24.5% YoY
 0.7%
+273.4% YoY
 Top 2.3% in tier
NIM 3.4%
+5.4% YoY+0.7% QoQ
 +0.2% 3.3%
+9.3% YoY
 3.8%
+8.0% YoY
 3.7%
+5.0% YoY
 61st in tier
Efficiency Ratio 60.8%
-6.2% YoY-3.0% QoQ
 -13.2% 74.0%
-10.9% YoY
 77.7%
-3.5% YoY
 79.1%
-3.3% YoY
 Bottom 8.2% in tier
Delinquency Rate 1.2%
+2.8% YoY+10.2% QoQ
 +0.4 0.8%
+6.1% YoY
 1.3%
+19.3% YoY
 1.2%
-0.9% YoY
 Top 16.8% in tier
Loan To Share 90.5%
-5.3% YoY+1.2% QoQ
 +5.3% 85.2%
-0.8% YoY
 69.6%
-2.1% YoY
 68.0%
-1.7% YoY
 57th in tier
AMR $27,932
-0.3% YoY-1.0% QoQ
 $-1K $29,172
+2.8% YoY
 $18,326
+4.3% YoY
 $19,418
+1.3% YoY
 54th in tier
CD Concentration 29.0%
+14.0% YoY-0.2% QoQ
 +0.0% 29.0%
+0.8% YoY
 19.0%
+9.9% YoY
 19.6%
+6.2% YoY
 52nd in tier
Indirect Auto % 3.4%
+20.9% YoY+3.1% QoQ
 -15.4% 18.8%
-2.8% YoY
 11.0%
-3.5% YoY
 7.9%
-2.9% YoY
 Bottom 22.2% in tier

Signature Analysis

Strengths (2)

Organic Growth Engine

growth
#27 of 246 • Top 3.6% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.94%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
Return on Assets: 1.72%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 3.44%
(Tier: 18.80%, National: 7.90%)
better than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank worsening

Organic Growth Leader

growth
#77 of 138 • Top 19.4% in tier

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

Why This Signature
Member Growth (YoY): 2.94%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
138 of 380 Mid-Market CUs have this signature | 608 nationally
↑ Growing +11 CUs YoY | Rank worsening

Concerns (3)

Liquidity Overhang

risk
#57 of 113 • Bottom 17.5% 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: 13.46%
(Tier: 11.30%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 90.50%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
113 of 380 Mid-Market CUs have this signature | 691 nationally
↑ Growing +9 CUs YoY | Rank improving

Credit Quality Pressure

risk
#182 of 217 • Bottom 23.7% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.03% points
(Tier: 0.07% points, National: 0.07% points)
but better than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank worsening

Liquidity Strain

risk
#181 of 183 • Bottom 34.3% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 90.50%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): -0.20%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 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 304 peers in tier

Top Strengths (10 metrics)

7
Return on Assets (ROA)
profitability
Value: 1.72%
Peer Avg: 0.70%
#7 of 304 Top 2.0% in 1B-3B tier
16
Fee Income Per Member
profitability
Value: $352.03
Peer Avg: $210.52
#16 of 304 Top 4.9% in 1B-3B tier
18
Total Assets
balance_sheet
Value: $2.72B
Peer Avg: $1.72B
#18 of 304 Top 5.6% in 1B-3B tier
26
Efficiency Ratio
profitability
Value: 60.82%
Peer Avg: 73.97%
#26 of 304 Top 8.2% in 1B-3B tier
41
Asset Growth Rate
growth
Value: 10.19%
Peer Avg: 4.83%
#41 of 304 Top 13.2% in 1B-3B tier
42
Net Worth Ratio
risk
Value: 13.46%
Peer Avg: 11.44%
#42 of 304 Top 13.5% in 1B-3B tier
42
Total Loans
balance_sheet
Value: $1.82B
Peer Avg: $1.23B
#42 of 304 Top 13.5% in 1B-3B tier
54
Total Members
engagement
Value: 137,381
Peer Avg: 98,678
#54 of 304 Top 17.4% in 1B-3B tier
56
Total Deposits
balance_sheet
Value: $2.01B
Peer Avg: $1.45B
#56 of 304 Top 18.1% in 1B-3B tier
74
Indirect Auto Concentration (%)
balance_sheet
Value: 3.44%
Peer Avg: 18.32%
#74 of 304 Top 24.0% in 1B-3B tier

Top Weaknesses (3 metrics)

267
Members Per Employee (MPE)
engagement
Value: 276.978
Peer Avg: 364.953
#267 of 304 Bottom 12.5% in 1B-3B tier
254
Total Delinquency Rate (60+ days)
risk
Value: 1.20%
Peer Avg: 0.83%
#254 of 304 Bottom 16.8% in 1B-3B tier
231
AMR Growth Rate
growth
Value: -0.25%
Peer Avg: 3.29%
#231 of 304 Bottom 24.3% in 1B-3B tier