MUW
Charter #16770 | MS
<100M
(2596 CUs)
Micro
($0-$500M)
41 <100M in MS
MUW has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.08% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 1.25% above tier (higher cost structure)
- - Delinquency rate 0.08% above tier average
- - Member decline: -4.1% YoY
- - Members Per Employee (MPE): Bottom 6.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
441
-4.1% YoY-0.9% QoQ
|
-2.2K |
2,625
-2.2% YoY
|
14,577
+18.5% YoY
|
33,089
+6.1% YoY
|
Bottom 12.2% in tier |
| Assets |
$4.1M
-1.9% YoY-6.4% QoQ
|
$-25.7M |
$29.9M
+1.1% YoY
|
$171.7M
+26.4% YoY
|
$547.7M
+7.8% YoY
|
Bottom 16.7% in tier |
| Loans |
$2.2M
+4.4% YoY+5.3% QoQ
|
$-13.5M |
$15.8M
-2.4% YoY
|
$115.7M
+25.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 19.1% in tier |
| Deposits |
$3.8M
-3.2% YoY-7.4% QoQ
|
$-21.7M |
$25.5M
+0.4% YoY
|
$135.7M
+26.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 18.5% in tier |
| ROA |
1.8%
+124.8% YoY-25.3% QoQ
|
+1.1% |
0.7%
-731.4% YoY
|
0.9%
+335.0% YoY
|
0.7%
+273.4% YoY
|
Top 13.3% in tier |
| NIM |
3.8%
-1.2% YoY+1.6% QoQ
|
-0.1% |
3.9%
+3.8% YoY
|
4.4%
+3.2% YoY
|
3.7%
+5.0% YoY
|
46th in tier |
| Efficiency Ratio |
82.6%
+10.7% YoY+4.5% QoQ
|
+1.3% |
81.4%
-2.4% YoY
|
78.7%
-9.5% YoY
|
79.1%
-3.3% YoY
|
61st in tier |
| Delinquency Rate |
1.6%
-49.9% YoY-32.9% QoQ
|
+0.1 |
1.5%
-2.0% YoY
|
1.7%
-11.9% YoY
|
1.2%
-0.9% YoY
|
74th in tier |
| Loan To Share |
59.1%
+7.9% YoY+13.7% QoQ
|
-2.2% |
61.2%
-3.0% YoY
|
68.6%
-0.4% YoY
|
68.0%
-1.7% YoY
|
47th in tier |
| AMR |
$13,586
+3.8% YoY-2.2% QoQ
|
$-1K |
$14,627
-2.7% YoY
|
$12,163
+4.6% YoY
|
$19,418
+1.3% YoY
|
50th in tier |
| CD Concentration |
24.6%
+2.2% YoY-7.5% QoQ
|
+0.2% |
24.4%
+4.2% YoY
|
19.3%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
2.5%
+12.7% 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 (5 metrics)
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
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
346
Return on Assets (ROA)
profitability
Value:
1.76%
Peer Avg: 0.68%
#346 of 2596
Top 13.3% in <100M tier
575
Loan Growth Rate
growth
Value:
4.45%
Peer Avg: 59.01%
#575 of 2596
Top 22.1% in <100M tier
Top Weaknesses (8 metrics)
2424
Members Per Employee (MPE)
engagement
Value:
110.250
Peer Avg: 365.701
#2424 of 2596
Bottom 6.7% in <100M tier
2278
Total Members
engagement
Value:
441
Peer Avg: 2,626
#2278 of 2596
Bottom 12.3% in <100M tier
2173
Net Worth Ratio
risk
Value:
9.93%
Peer Avg: 16.43%
#2173 of 2596
Bottom 16.3% in <100M tier
2162
Total Assets
balance_sheet
Value:
$4.14M
Peer Avg: $29.86M
#2162 of 2596
Bottom 16.8% in <100M tier
2116
Total Deposits
balance_sheet
Value:
$3.77M
Peer Avg: $25.45M
#2116 of 2596
Bottom 18.5% in <100M tier
2101
Total Loans
balance_sheet
Value:
$2.22M
Peer Avg: $15.77M
#2101 of 2596
Bottom 19.1% in <100M tier
2021
Member Growth Rate
growth
Value:
-4.13%
Peer Avg: 14.92%
#2021 of 2596
Bottom 22.2% in <100M tier
1952
Share Certificate Concentration (%)
balance_sheet
Value:
24.58%
Peer Avg: 15.37%
#1952 of 2596
Bottom 24.8% in <100M tier