RIM COUNTRY
Charter #16190 | AZ
<100M
(2596 CUs)
Micro
($0-$500M)
12 <100M in AZ
RIM COUNTRY has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.29% above tier average
- + Net Interest Margin 0.35% above tier average
- + AMR Growth Rate: Top 8.4% in tier
- + Asset Growth Rate: Top 8.5% in tier
- + Deposit Growth Rate: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.6% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,038
-3.6% YoY-0.3% QoQ
|
-587 |
2,625
-2.2% YoY
|
60,829
+5.9% YoY
|
33,089
+6.1% YoY
|
52nd in tier |
| Assets |
$25.7M
+9.9% YoY+2.7% QoQ
|
$-4.1M |
$29.9M
+1.1% YoY
|
$1.0B
+8.7% YoY
|
$547.7M
+7.8% YoY
|
55th in tier |
| Loans |
$13.8M
+2.4% YoY-0.8% QoQ
|
$-2.0M |
$15.8M
-2.4% YoY
|
$651.1M
+13.2% YoY
|
$388.7M
+8.6% YoY
|
59th in tier |
| Deposits |
$22.7M
+9.5% YoY+2.6% QoQ
|
$-2.8M |
$25.5M
+0.4% YoY
|
$883.8M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
56th in tier |
| ROA |
1.0%
+84.5% YoY+1.1% QoQ
|
+0.3% |
0.7%
-731.4% YoY
|
0.8%
+38.7% YoY
|
0.7%
+273.4% YoY
|
60th in tier |
| NIM |
4.3%
+4.3% YoY-1.1% QoQ
|
+0.3% |
3.9%
+3.8% YoY
|
4.0%
+6.6% YoY
|
3.7%
+5.0% YoY
|
66th in tier |
| Efficiency Ratio |
78.3%
+8.8% YoY-0.6% QoQ
|
-3.1% |
81.4%
-2.4% YoY
|
75.3%
-3.3% YoY
|
79.1%
-3.3% YoY
|
50th in tier |
| Delinquency Rate |
1.2%
+72.6% YoY+56.2% QoQ
|
-0.3 |
1.5%
-2.0% YoY
|
0.9%
+2.1% YoY
|
1.2%
-0.9% YoY
|
67th in tier |
| Loan To Share |
60.7%
-6.5% YoY-3.3% QoQ
|
-0.5% |
61.2%
-3.0% YoY
|
71.1%
-3.6% YoY
|
68.0%
-1.7% YoY
|
49th in tier |
| AMR |
$17,867
+10.7% YoY+1.6% QoQ
|
+$3K |
$14,627
-2.7% YoY
|
$19,058
+3.8% YoY
|
$19,418
+1.3% YoY
|
71st in tier |
| CD Concentration |
10.4%
+19.9% YoY+15.4% QoQ
|
-14.0% |
24.4%
+4.2% YoY
|
16.8%
+14.1% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % |
5.3%
-1.3% YoY-1.1% QoQ
|
-8.7% |
14.0%
-5.8% YoY
|
23.2%
-8.0% 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 (3 metrics)
219
AMR Growth Rate
growth
Value:
10.75%
Peer Avg: 4.67%
#219 of 2596
Top 8.4% in <100M tier
222
Asset Growth Rate
growth
Value:
9.92%
Peer Avg: 1.82%
#222 of 2596
Top 8.5% in <100M tier
257
Deposit Growth Rate
growth
Value:
9.53%
Peer Avg: 16.80%
#257 of 2596
Top 9.9% in <100M tier
Top Weaknesses (3 metrics)
2305
Indirect Auto Concentration (%)
balance_sheet
Value:
5.26%
Peer Avg: 2.84%
#2305 of 2596
Bottom 11.2% in <100M tier
2124
First Mortgage Concentration (%)
balance_sheet
Value:
32.49%
Peer Avg: 14.49%
#2124 of 2596
Bottom 18.2% in <100M tier
2065
Members Per Employee (MPE)
engagement
Value:
226.444
Peer Avg: 365.701
#2065 of 2596
Bottom 20.5% in <100M tier