LOCAL 606 ELECTRICAL WORKERS

Charter #16979 | FL

<100M (2596 CUs) Micro
40 <100M in FL

LOCAL 606 ELECTRICAL WORKERS has 4 strengths but faces 2 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Total Delinquency Rate (60+ days): Top 0.0% in tier
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Share Certificate Concentration (%): Top 0.0% in tier
  • + Loan Growth Rate: Top 8.2% in tier

Key Concerns

Areas that may need attention

  • - ROA 0.33% below tier average
  • - Efficiency ratio 8.32% above tier (higher cost structure)

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Members 410
-0.2% YoY+0.5% QoQ
 -2.2K 2,625
-2.2% YoY
 69,671
+4.3% YoY
 33,089
+6.1% YoY
 Bottom 11.5% in tier
Assets $5.5M
-5.8% YoY-3.4% QoQ
 $-24.4M $29.9M
+1.1% YoY
 $1.1B
+3.8% YoY
 $547.7M
+7.8% YoY
 Bottom 21.1% in tier
Loans $1.4M
+12.1% YoY-1.5% QoQ
 $-14.3M $15.8M
-2.4% YoY
 $773.4M
+7.4% YoY
 $388.7M
+8.6% YoY
 Bottom 14.6% in tier
Deposits $4.1M
-7.8% YoY-4.7% QoQ
 $-21.3M $25.5M
+0.4% YoY
 $908.2M
+6.5% YoY
 $464.6M
+9.3% YoY
 Bottom 20.0% in tier
ROA 0.4%
-31.3% YoY+32.9% QoQ
 -0.3% 0.7%
-731.4% YoY
 0.6%
+15.9% YoY
 0.7%
+273.4% YoY
 30th in tier
NIM 3.3%
+6.2% YoY+5.0% QoQ
 -0.6% 3.9%
+3.8% YoY
 3.6%
+6.7% YoY
 3.7%
+5.0% YoY
 28th in tier
Efficiency Ratio 89.7%
+6.6% YoY-2.4% QoQ
 +8.3% 81.4%
-2.4% YoY
 79.0%
+0.0% YoY
 79.1%
-3.3% YoY
 Top 23.9% in tier
Delinquency Rate 0.0%
-100.0% YoY
 -1.5 1.5%
-2.0% YoY
 0.7%
+3.1% YoY
 1.2%
-0.9% YoY
 Bottom 0.0% in tier
Loan To Share 34.9%
+21.6% YoY+3.4% QoQ
 -26.3% 61.2%
-3.0% YoY
 71.2%
+0.4% YoY
 68.0%
-1.7% YoY
 Bottom 13.8% in tier
AMR $13,646
-3.1% YoY-4.3% QoQ
 $-981 $14,627
-2.7% YoY
 $22,283
+3.7% YoY
 $19,418
+1.3% YoY
 50th in tier
CD Concentration 0.0% -24.4% 24.4%
+4.2% YoY
 23.4%
+4.5% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 10.9%
-1.4% 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)

Comparing against 2596 peers in tier

Top Strengths (5 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
Share Certificate Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 15.37%
#1 of 2596 Top 0.0% in <100M tier
214
Loan Growth Rate
growth
Value: 12.07%
Peer Avg: 59.01%
#214 of 2596 Top 8.2% in <100M tier
316
Net Worth Ratio
risk
Value: 24.20%
Peer Avg: 16.43%
#316 of 2596 Top 12.1% in <100M tier

Top Weaknesses (11 metrics)

2329
Deposit Growth Rate
growth
Value: -7.81%
Peer Avg: 16.80%
#2329 of 2596 Bottom 10.3% in <100M tier
2297
Total Members
engagement
Value: 410
Peer Avg: 2,626
#2297 of 2596 Bottom 11.6% in <100M tier
2280
Asset Growth Rate
growth
Value: -5.76%
Peer Avg: 1.82%
#2280 of 2596 Bottom 12.2% in <100M tier
2235
Loan-to-Share Ratio
balance_sheet
Value: 34.89%
Peer Avg: 61.23%
#2235 of 2596 Bottom 13.9% in <100M tier
2218
Total Loans
balance_sheet
Value: $1.45M
Peer Avg: $15.77M
#2218 of 2596 Bottom 14.6% in <100M tier
2168
Members Per Employee (MPE)
engagement
Value: 205.000
Peer Avg: 365.701
#2168 of 2596 Bottom 16.5% in <100M tier
2078
Total Deposits
balance_sheet
Value: $4.15M
Peer Avg: $25.45M
#2078 of 2596 Bottom 20.0% in <100M tier
2047
Total Assets
balance_sheet
Value: $5.49M
Peer Avg: $29.86M
#2047 of 2596 Bottom 21.2% in <100M tier
1976
Efficiency Ratio
profitability
Value: 89.71%
Peer Avg: 81.39%
#1976 of 2596 Bottom 23.9% in <100M tier
1973
Fee Income Per Member
profitability
Value: $16.00
Peer Avg: $182.96
#1973 of 2596 Bottom 24.0% in <100M tier