DEMOPOLIS
Charter #17311 | AL
<100M
(2596 CUs)
Micro
($0-$500M)
54 <100M in AL
DEMOPOLIS has 14 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 5.84% above tier average
- + Net Interest Margin 1.49% above tier average
- + Strong member growth: 5.8% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Asset Growth Rate: Top 0.8% in tier
- + Fee Income Per Member: Top 2.3% in tier
- + Loan Growth Rate: Top 2.7% in tier
- + Members Per Employee (MPE): Top 4.1% in tier
- + Efficiency Ratio: Top 4.4% in tier
- + Net Worth Ratio: Top 4.4% in tier
- + Member Growth Rate: Top 6.0% in tier
- + Loan-to-Share Ratio: Top 6.5% in tier
Key Concerns
Areas that may need attention
- - Average Member Relationship (AMR): Bottom 5.9% in tier
- - Total Deposits: Bottom 8.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
734
+5.8% YoY+3.1% QoQ
|
-1.9K |
2,625
-2.2% YoY
|
29,240
-2.8% YoY
|
33,089
+6.1% YoY
|
Bottom 21.1% in tier |
| Assets |
$3.1M
+29.2% YoY+0.0% QoQ
|
$-26.7M |
$29.9M
+1.1% YoY
|
$436.7M
+7.4% YoY
|
$547.7M
+7.8% YoY
|
Bottom 13.5% in tier |
| Loans |
$1.3M
+21.5% YoY+2.5% QoQ
|
$-14.4M |
$15.8M
-2.4% YoY
|
$258.0M
+6.8% YoY
|
$388.7M
+8.6% YoY
|
Bottom 13.7% in tier |
| Deposits |
$1.4M
+5.8% YoY+1.0% QoQ
|
$-24.1M |
$25.5M
+0.4% YoY
|
$382.5M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
Bottom 8.8% in tier |
| ROA |
6.5%
-7.4% YoY-19.6% QoQ
|
+5.8% |
0.7%
-731.4% YoY
|
0.8%
+31.6% YoY
|
0.7%
+273.4% YoY
|
Top 0.5% in tier |
| NIM |
5.4%
-9.7% YoY-2.6% QoQ
|
+1.5% |
3.9%
+3.8% YoY
|
3.7%
+6.4% YoY
|
3.7%
+5.0% YoY
|
Top 8.2% in tier |
| Efficiency Ratio |
46.4%
+1.2% YoY+7.8% QoQ
|
-35.0% |
81.4%
-2.4% YoY
|
76.4%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 4.4% in tier |
| Delinquency Rate |
0.5%
-56.6% YoY+139.4% QoQ
|
-1.0 |
1.5%
-2.0% YoY
|
1.7%
+18.9% YoY
|
1.2%
-0.9% YoY
|
43rd in tier |
| Loan To Share |
95.8%
+14.8% YoY+1.5% QoQ
|
+34.6% |
61.2%
-3.0% YoY
|
60.8%
-1.6% YoY
|
68.0%
-1.7% YoY
|
Top 6.7% in tier |
| AMR |
$3,713
+6.8% YoY-1.3% QoQ
|
$-11K |
$14,627
-2.7% YoY
|
$17,062
+2.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 5.8% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
20.8%
+2.9% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
5.4%
-6.7% 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 (15 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
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
13
Return on Assets (ROA)
profitability
Value:
6.52%
Peer Avg: 0.68%
#13 of 2596
Top 0.5% in <100M tier
21
Asset Growth Rate
growth
Value:
29.16%
Peer Avg: 1.82%
#21 of 2596
Top 0.8% in <100M tier
61
Fee Income Per Member
profitability
Value:
$296.71
Peer Avg: $182.96
#61 of 2596
Top 2.3% in <100M tier
70
Loan Growth Rate
growth
Value:
21.47%
Peer Avg: 59.01%
#70 of 2596
Top 2.7% in <100M tier
108
Members Per Employee (MPE)
engagement
Value:
734.000
Peer Avg: 365.701
#108 of 2596
Top 4.1% in <100M tier
114
Efficiency Ratio
profitability
Value:
46.35%
Peer Avg: 81.39%
#114 of 2596
Top 4.4% in <100M tier
115
Net Worth Ratio
risk
Value:
32.81%
Peer Avg: 16.43%
#115 of 2596
Top 4.4% in <100M tier
Top Weaknesses (6 metrics)
2445
Average Member Relationship (AMR)
engagement
Value:
$3,713
Peer Avg: $14,627
#2445 of 2596
Bottom 5.9% in <100M tier
2367
Total Deposits
balance_sheet
Value:
$1.39M
Peer Avg: $25.45M
#2367 of 2596
Bottom 8.9% in <100M tier
2309
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,817
Peer Avg: $5,488
#2309 of 2596
Bottom 11.1% in <100M tier
2245
Total Assets
balance_sheet
Value:
$3.15M
Peer Avg: $29.86M
#2245 of 2596
Bottom 13.6% in <100M tier
2241
Total Loans
balance_sheet
Value:
$1.33M
Peer Avg: $15.77M
#2241 of 2596
Bottom 13.7% in <100M tier
2048
Total Members
engagement
Value:
734
Peer Avg: 2,626
#2048 of 2596
Bottom 21.1% in <100M tier