MCDONALD COMMUNITY
Charter #1599 | OH
<100M
(2596 CUs)
Micro
($0-$500M)
121 <100M in OH
MCDONALD COMMUNITY has 7 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.26% above tier average
- + Net Interest Margin 0.36% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Loan-to-Share Ratio: Bottom 2.8% in tier
- - Loan Growth Rate: Bottom 3.4% in tier
- - Loan-to-Member Ratio (LMR): Bottom 5.6% in tier
- - AMR Growth Rate: Bottom 8.5% in tier
- - Total Loans: Bottom 8.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
738
+3.1% YoY+1.4% QoQ
|
-1.9K |
2,625
-2.2% YoY
|
16,553
+5.8% YoY
|
33,089
+6.1% YoY
|
Bottom 21.3% in tier |
| Assets |
$5.0M
-1.6% YoY-7.4% QoQ
|
$-24.9M |
$29.9M
+1.1% YoY
|
$245.2M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
Bottom 19.0% in tier |
| Loans |
$627,734
-26.5% YoY-5.7% QoQ
|
$-15.1M |
$15.8M
-2.4% YoY
|
$170.6M
+8.7% YoY
|
$388.7M
+8.6% YoY
|
Bottom 8.7% in tier |
| Deposits |
$4.4M
-2.8% YoY-8.4% QoQ
|
$-21.0M |
$25.5M
+0.4% YoY
|
$209.1M
+9.7% YoY
|
$464.6M
+9.3% YoY
|
Bottom 21.0% in tier |
| ROA |
0.9%
-20.4% YoY-4.7% QoQ
|
+0.3% |
0.7%
-731.4% YoY
|
0.5%
-7.3% YoY
|
0.7%
+273.4% YoY
|
58th in tier |
| NIM |
4.3%
-6.0% YoY+2.1% QoQ
|
+0.4% |
3.9%
+3.8% YoY
|
3.7%
+3.3% YoY
|
3.7%
+5.0% YoY
|
66th in tier |
| Efficiency Ratio |
78.3%
+4.7% YoY+1.2% QoQ
|
-3.1% |
81.4%
-2.4% YoY
|
83.9%
+3.6% YoY
|
79.1%
-3.3% YoY
|
50th in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
1.5%
+29.9% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
14.2%
-24.4% YoY+3.0% QoQ
|
-47.0% |
61.2%
-3.0% YoY
|
63.8%
-2.4% YoY
|
68.0%
-1.7% YoY
|
Bottom 2.6% in tier |
| AMR |
$6,829
-9.3% YoY-9.3% QoQ
|
$-8K |
$14,627
-2.7% YoY
|
$17,099
+5.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 14.5% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
19.2%
+8.0% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
11.2%
-0.8% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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 (6 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: 1.51%
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
312
Member Growth Rate
growth
Value:
3.07%
Peer Avg: 14.92%
#312 of 2596
Top 12.0% in <100M tier
Top Weaknesses (11 metrics)
2525
Loan-to-Share Ratio
balance_sheet
Value:
14.23%
Peer Avg: 61.23%
#2525 of 2596
Bottom 2.8% in <100M tier
2509
Loan Growth Rate
growth
Value:
-26.47%
Peer Avg: 59.01%
#2509 of 2596
Bottom 3.4% in <100M tier
2452
Loan-to-Member Ratio (LMR)
engagement
Value:
$850.59
Peer Avg: $5,488
#2452 of 2596
Bottom 5.6% in <100M tier
2377
AMR Growth Rate
growth
Value:
-9.30%
Peer Avg: 4.67%
#2377 of 2596
Bottom 8.5% in <100M tier
2370
Total Loans
balance_sheet
Value:
$627,734
Peer Avg: $15.77M
#2370 of 2596
Bottom 8.7% in <100M tier
2337
Fee Income Per Member
profitability
Value:
$2.09
Peer Avg: $182.96
#2337 of 2596
Bottom 10.0% in <100M tier
2220
Average Member Relationship (AMR)
engagement
Value:
$6,829
Peer Avg: $14,627
#2220 of 2596
Bottom 14.5% in <100M tier
2104
Total Assets
balance_sheet
Value:
$4.95M
Peer Avg: $29.86M
#2104 of 2596
Bottom 19.0% in <100M tier
2052
Total Deposits
balance_sheet
Value:
$4.41M
Peer Avg: $25.45M
#2052 of 2596
Bottom 21.0% in <100M tier
2044
Total Members
engagement
Value:
738
Peer Avg: 2,626
#2044 of 2596
Bottom 21.3% in <100M tier