CONSUMERS

Charter #16951 | NY

100M-500M (1077 CUs) Micro
52 100M-500M in NY

CONSUMERS has 9 strengths but faces 13 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 2.8% in tier
  • + Relationship Depth Leader: Top 19.9% in tier
  • + Emerging Performer: Top 30.4% in tier
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Loan-to-Member Ratio (LMR): Top 1.2% in tier
  • + Average Member Relationship (AMR): Top 1.7% in tier
  • + Loan-to-Share Ratio: Top 2.0% in tier
  • + AMR Growth Rate: Top 5.8% in tier
  • + Net Charge-Off Rate: Top 8.5% in tier

Key Concerns

Areas that may need attention

  • - Stagnation Risk: Bottom 1.9% in tier
  • - Liquidity Strain: Bottom 2.7% in tier
  • - Membership Headwinds: Bottom 4.3% in tier
  • - Efficiency Drag: Bottom 28.3% in tier
  • - ROA 0.24% below tier average
  • - Efficiency ratio 2.96% above tier (higher cost structure)
  • - Member decline: -6.8% YoY
  • - Total Members: Bottom 0.7% in tier
  • - Total Assets: Bottom 1.3% in tier
  • - Total Deposits: Bottom 1.4% in tier
  • - First Mortgage Concentration (%): Bottom 3.9% in tier
  • - Member Growth Rate: Bottom 6.1% in tier
  • - Net Interest Margin (NIM): Bottom 7.0% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Members 3,231
-6.8% YoY-1.6% QoQ
 -12.4K 15,628
-3.4% YoY
 25,964
+5.4% YoY
 33,089
+6.1% YoY
 Bottom 0.6% in tier
Assets $102.0M
+4.1% YoY-1.7% QoQ
 $-129.3M $231.3M
-0.0% YoY
 $471.3M
+6.4% YoY
 $547.7M
+7.8% YoY
 Bottom 1.2% in tier
Loans $89.0M
+8.7% YoY-0.7% QoQ
 $-58.8M $147.8M
-1.4% YoY
 $316.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 28th in tier
Deposits $86.6M
+0.7% YoY-2.1% QoQ
 $-113.7M $200.3M
-0.0% YoY
 $400.0M
+7.6% YoY
 $464.6M
+9.3% YoY
 Bottom 1.3% in tier
ROA 0.6%
+58.2% YoY+1.9% QoQ
 -0.2% 0.8%
+15.5% YoY
 0.9%
+294.0% YoY
 0.7%
+273.4% YoY
 36th in tier
NIM 2.5%
+4.0% YoY+0.4% QoQ
 -1.0% 3.6%
+6.9% YoY
 3.6%
+5.0% YoY
 3.7%
+5.0% YoY
 Bottom 6.9% in tier
Efficiency Ratio 80.2%
-7.9% YoY-0.4% QoQ
 +3.0% 77.3%
-3.0% YoY
 80.1%
-6.2% YoY
 79.1%
-3.3% YoY
 62nd in tier
Delinquency Rate 0.2%
-13.0% YoY+4.8% QoQ
 -0.7 0.9%
+7.6% YoY
 1.7%
-8.3% YoY
 1.2%
-0.9% YoY
 Bottom 11.0% in tier
Loan To Share 102.8%
+8.0% YoY+1.4% QoQ
 +30.1% 72.7%
-1.5% YoY
 61.5%
-2.3% YoY
 68.0%
-1.7% YoY
 Top 2.1% in tier
AMR $54,344
+12.2% YoY+0.1% QoQ
 +$30K $24,363
+2.9% YoY
 $19,040
-21.7% YoY
 $19,418
+1.3% YoY
 Top 1.8% in tier
CD Concentration 24.1%
+52.3% YoY+4.7% QoQ
 -0.3% 24.4%
+4.2% YoY
 15.9%
+8.4% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 2.6%
-3.7% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth
#79 of 1006 • Top 2.8% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 12.16%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Relationship Depth Leader

growth
#549 of 1006 • Top 19.9% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 12.16%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $1.3K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Emerging Performer

growth
#570 of 627 • Top 30.4% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.55%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): -6.75%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | New qualifier

Concerns (4)

Stagnation Risk

risk
#32 of 550 • Bottom 1.9% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.55%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -6.75%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $54.3K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 24.13%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Liquidity Strain

risk
#22 of 258 • Bottom 2.7% in tier

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

Why This Signature
Loan-to-Share Ratio: 102.76%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 8.71%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
258 of 1077 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | New qualifier

Membership Headwinds

decline
#72 of 550 • Bottom 4.3% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -6.75%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Efficiency Drag

risk
#500 of 521 • Bottom 28.3% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 80.24%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.20% points
(Tier: 0.11% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): -6.75%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | New qualifier

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 1077 peers in tier

Top Strengths (8 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
14
Loan-to-Member Ratio (LMR)
engagement
Value: $27,542
Peer Avg: $10,245
#14 of 1077 Top 1.2% in 100M-500M tier
19
Average Member Relationship (AMR)
engagement
Value: $54,344
Peer Avg: $24,363
#19 of 1077 Top 1.7% in 100M-500M tier
23
Loan-to-Share Ratio
balance_sheet
Value: 102.76%
Peer Avg: 72.70%
#23 of 1077 Top 2.0% in 100M-500M tier
64
AMR Growth Rate
growth
Value: 12.16%
Peer Avg: 3.64%
#64 of 1077 Top 5.8% in 100M-500M tier
93
Net Charge-Off Rate
risk
Value: 0.05%
Peer Avg: 0.47%
#93 of 1077 Top 8.5% in 100M-500M tier
119
Total Delinquency Rate (60+ days)
risk
Value: 0.20%
Peer Avg: 0.86%
#119 of 1077 Top 11.0% in 100M-500M tier
216
Loan Growth Rate
growth
Value: 8.71%
Peer Avg: 3.45%
#216 of 1077 Top 20.0% in 100M-500M tier

Top Weaknesses (8 metrics)

1070
Total Members
engagement
Value: 3,231
Peer Avg: 15,628
#1070 of 1077 Bottom 0.7% in 100M-500M tier
1064
Total Assets
balance_sheet
Value: $101.98M
Peer Avg: $231.30M
#1064 of 1077 Bottom 1.3% in 100M-500M tier
1063
Total Deposits
balance_sheet
Value: $86.60M
Peer Avg: $200.29M
#1063 of 1077 Bottom 1.4% in 100M-500M tier
1036
First Mortgage Concentration (%)
balance_sheet
Value: 65.41%
Peer Avg: 30.43%
#1036 of 1077 Bottom 3.9% in 100M-500M tier
1012
Member Growth Rate
growth
Value: -6.75%
Peer Avg: 0.72%
#1012 of 1077 Bottom 6.1% in 100M-500M tier
1003
Net Interest Margin (NIM)
profitability
Value: 2.54%
Peer Avg: 3.58%
#1003 of 1077 Bottom 7.0% in 100M-500M tier
876
Fee Income Per Member
profitability
Value: $106.76
Peer Avg: $174.31
#876 of 1077 Bottom 18.8% in 100M-500M tier
826
Deposit Growth Rate
growth
Value: 0.66%
Peer Avg: 4.69%
#826 of 1077 Bottom 23.4% in 100M-500M tier