LASSEN COUNTY

Charter #17232 | CA

100M-500M (1077 CUs) Micro
63 100M-500M in CA

LASSEN COUNTY has 6 strengths but faces 11 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 4.5% in tier
  • + Wallet Share Momentum: Top 12.7% in tier
  • + Emerging Performer: Top 30.5% in tier
  • + Total Delinquency Rate (60+ days): Top 0.0% in tier
  • + First Mortgage Concentration (%): Top 5.8% in tier
  • + Net Charge-Off Rate: Top 6.4% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 0.6% in tier
  • - Liquidity Overhang: Bottom 13.7% in tier
  • - Membership Headwinds: Bottom 25.3% in tier
  • - Stagnation Risk: Bottom 28.3% in tier
  • - ROA 0.68% below tier average
  • - Efficiency ratio 19.04% above tier (higher cost structure)
  • - Total Members: Bottom 2.1% in tier
  • - Total Deposits: Bottom 5.2% in tier
  • - Net Interest Margin (NIM): Bottom 5.4% in tier
  • - Total Assets: Bottom 5.6% in tier
  • - Total Loans: Bottom 7.4% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 4,454
-1.4% YoY-0.4% QoQ
 -11.2K 15,628
-3.4% YoY
 59,606
+5.7% YoY
 33,089
+6.1% YoY
 Bottom 2.0% in tier
Assets $107.6M
+5.7% YoY+4.5% QoQ
 $-123.7M $231.3M
-0.0% YoY
 $1.2B
+6.2% YoY
 $547.7M
+7.8% YoY
 Bottom 5.5% in tier
Loans $55.3M
+2.0% YoY+2.7% QoQ
 $-92.5M $147.8M
-1.4% YoY
 $845.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 Bottom 7.3% in tier
Deposits $93.2M
+6.4% YoY+4.6% QoQ
 $-107.1M $200.3M
-0.0% YoY
 $1.0B
+8.8% YoY
 $464.6M
+9.3% YoY
 Bottom 5.1% in tier
ROA 0.1%
-24.9% YoY-9.7% QoQ
 -0.7% 0.8%
+15.5% YoY
 0.6%
+30.0% YoY
 0.7%
+273.4% YoY
 Bottom 9.7% in tier
NIM 2.4%
+9.0% YoY-1.2% QoQ
 -1.2% 3.6%
+6.9% YoY
 3.3%
+6.5% YoY
 3.7%
+5.0% YoY
 Bottom 5.3% in tier
Efficiency Ratio 96.3%
+1.6% YoY+0.4% QoQ
 +19.0% 77.3%
-3.0% YoY
 79.3%
-6.2% YoY
 79.1%
-3.3% YoY
 Top 4.2% in tier
Delinquency Rate 0.0%
-100.0% YoY-100.0% QoQ
 -0.9 0.9%
+7.6% YoY
 0.7%
-38.7% YoY
 1.2%
-0.9% YoY
 Bottom 0.0% in tier
Loan To Share 59.3%
-4.1% YoY-1.9% QoQ
 -13.4% 72.7%
-1.5% YoY
 68.8%
-1.5% YoY
 68.0%
-1.7% YoY
 Bottom 20.8% in tier
AMR $33,329
+6.2% YoY+4.3% QoQ
 +$9K $24,363
+2.9% YoY
 $28,514
+2.8% YoY
 $19,418
+1.3% YoY
 Top 11.1% in tier
CD Concentration 21.4%
+22.0% YoY-0.1% QoQ
 -3.0% 24.4%
+4.2% YoY
 21.7%
+4.2% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 13.1%
-9.2% YoY-5.8% QoQ
 -0.8% 14.0%
-5.8% YoY
 9.5%
-6.9% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth
#124 of 1006 • Top 4.5% in tier

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

Why This Signature
AMR Growth (YoY): 6.18%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.9K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Wallet Share Momentum

growth
#351 of 1006 • Top 12.7% in tier

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

Why This Signature
AMR Growth (YoY): 6.18%
(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

Emerging Performer

growth
#572 of 627 • Top 30.5% in tier

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

Why This Signature
Return on Assets: 0.10%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): -1.37%
(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

Concerns (4)

Efficiency Drag

risk
#12 of 521 • Bottom 0.6% in tier

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

Why This Signature
Efficiency Ratio: 96.32%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.03% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): -1.37%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank improving

Liquidity Overhang

risk
#212 of 552 • Bottom 13.7% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 13.29%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 59.35%
(Tier: 74.56%, National: 67.96%)
worse than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank worsening

Membership Headwinds

decline
#418 of 550 • Bottom 25.3% in tier

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

Why This Signature
Member Growth (YoY): -1.37%
(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 | Rank worsening

Stagnation Risk

risk
#467 of 550 • Bottom 28.3% 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: 0.10%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -1.37%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $33.3K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 21.40%
(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 | Rank worsening

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 (5 metrics)

1
Total Delinquency Rate (60+ days)
risk
Value: 0.00%
Peer Avg: 0.86%
#1 of 1077 Top 0.0% in 100M-500M tier
63
First Mortgage Concentration (%)
balance_sheet
Value: 4.82%
Peer Avg: 30.43%
#63 of 1077 Top 5.8% in 100M-500M tier
70
Net Charge-Off Rate
risk
Value: 0.04%
Peer Avg: 0.47%
#70 of 1077 Top 6.4% in 100M-500M tier
120
Average Member Relationship (AMR)
engagement
Value: $33,329
Peer Avg: $24,363
#120 of 1077 Top 11.0% in 100M-500M tier
231
Loan-to-Member Ratio (LMR)
engagement
Value: $12,413
Peer Avg: $10,245
#231 of 1077 Top 21.4% in 100M-500M tier

Top Weaknesses (9 metrics)

1055
Total Members
engagement
Value: 4,454
Peer Avg: 15,628
#1055 of 1077 Bottom 2.1% in 100M-500M tier
1033
Efficiency Ratio
profitability
Value: 96.32%
Peer Avg: 77.28%
#1033 of 1077 Bottom 4.2% in 100M-500M tier
1022
Total Deposits
balance_sheet
Value: $93.16M
Peer Avg: $200.29M
#1022 of 1077 Bottom 5.2% in 100M-500M tier
1020
Net Interest Margin (NIM)
profitability
Value: 2.39%
Peer Avg: 3.58%
#1020 of 1077 Bottom 5.4% in 100M-500M tier
1018
Total Assets
balance_sheet
Value: $107.62M
Peer Avg: $231.30M
#1018 of 1077 Bottom 5.6% in 100M-500M tier
998
Total Loans
balance_sheet
Value: $55.29M
Peer Avg: $147.80M
#998 of 1077 Bottom 7.4% in 100M-500M tier
972
Return on Assets (ROA)
profitability
Value: 0.10%
Peer Avg: 0.79%
#972 of 1077 Bottom 9.8% in 100M-500M tier
877
Fee Income Per Member
profitability
Value: $106.56
Peer Avg: $174.31
#877 of 1077 Bottom 18.7% in 100M-500M tier
853
Loan-to-Share Ratio
balance_sheet
Value: 59.35%
Peer Avg: 72.70%
#853 of 1077 Bottom 20.9% in 100M-500M tier