ALLEGIUS

Charter #17389 | IN

100M-500M (1077 CUs) Micro ($0-$500M)

19 100M-500M in IN

ALLEGIUS has 5 strengths but faces 14 concerns

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 16.9% in tier
+ Wallet Share Momentum: Top 17.4% in tier
+ Emerging Performer: Top 33.0% in tier
+ Net Interest Margin 0.60% above tier average
+ Share Certificate Concentration (%): Top 2.3% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 2.5% in tier
- Membership Headwinds: Bottom 3.1% in tier
- Institutional Decline: Bottom 6.5% in tier
- Liquidity Overhang: Bottom 12.6% in tier
- Stagnation Risk: Bottom 13.4% in tier
- Efficiency Drag: Bottom 27.4% in tier
- ROA 0.51% below tier average
- Efficiency ratio 4.38% above tier (higher cost structure)
- Delinquency rate 1.16% above tier average
- Member decline: -8.3% YoY
- Fee Income Per Member: Bottom 1.4% in tier
- Member Growth Rate: Bottom 4.6% in tier
- Total Delinquency Rate (60+ days): Bottom 6.5% in tier
- Deposit Growth Rate: Bottom 6.8% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Members	11,424 -8.3% YoY-7.2% QoQ	-4.2K	15,628 -3.4% YoY	22,637 +3.1% YoY	33,089 +6.1% YoY	38th in tier
Assets	$177.8M -1.9% YoY+0.1% QoQ	$-53.5M	$231.3M -0.0% YoY	$383.9M +8.8% YoY	$547.7M +7.8% YoY	43rd in tier
Loans	$95.3M -5.0% YoY+7.8% QoQ	$-52.5M	$147.8M -1.4% YoY	$276.9M +7.4% YoY	$388.7M +8.6% YoY	32nd in tier
Deposits	$157.2M -2.9% YoY-1.0% QoQ	$-43.1M	$200.3M -0.0% YoY	$323.0M +10.5% YoY	$464.6M +9.3% YoY	44th in tier
ROA	0.3% -42.8% YoY-581.6% QoQ	-0.5%	0.8% +15.5% YoY	0.9% +24.5% YoY	0.7% +273.4% YoY	Bottom 17.4% in tier
NIM	4.2% +4.2% YoY+4.4% QoQ	+0.6%	3.6% +6.9% YoY	3.8% +8.0% YoY	3.7% +5.0% YoY	Top 17.9% in tier
Efficiency Ratio	81.7% +5.5% YoY-7.2% QoQ	+4.4%	77.3% -3.0% YoY	77.7% -3.5% YoY	79.1% -3.3% YoY	66th in tier
Delinquency Rate	2.0% +75.0% YoY+7.9% QoQ	+1.2	0.9% +7.6% YoY	1.3% +19.3% YoY	1.2% -0.9% YoY	Top 6.5% in tier
Loan To Share	60.6% -2.2% YoY+8.9% QoQ	-12.1%	72.7% -1.5% YoY	69.6% -2.1% YoY	68.0% -1.7% YoY	Bottom 22.7% in tier
AMR	$22,100 +5.0% YoY+10.0% QoQ	$-2K	$24,363 +2.9% YoY	$18,326 +4.3% YoY	$19,418 +1.3% YoY	48th in tier
CD Concentration	2.2% -22.9% YoY-6.8% QoQ	-22.2%	24.4% +4.2% YoY	19.0% +9.9% YoY	19.6% +6.2% YoY	50th in tier
Indirect Auto %	2.2% -34.3% YoY-17.1% QoQ	-11.8%	14.0% -5.8% YoY	11.0% -3.5% YoY	7.9% -2.9% YoY	50th in tier

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth

#466 of 1006 • Top 16.9% in tier

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

Why This Signature

AMR Growth (YoY): 5.01%

(Tier: 3.68%, National: 4.19%)

better than tier avg

Share Draft per Member: $2.7K

(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

Wallet Share Momentum

growth

#481 of 1006 • Top 17.4% in tier

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

Why This Signature

AMR Growth (YoY): 5.01%

(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

#619 of 627 • Top 33.0% in tier

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

Why This Signature

Return on Assets: 0.28%

(Tier: 0.77%, National: 0.71%)

but worse than tier avg

Member Growth (YoY): -8.30%

(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 | Rank worsening

Concerns (6)

Credit Quality Pressure

risk

#63 of 736 • Bottom 2.5% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.87% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | New qualifier

Membership Headwinds

decline

#52 of 550 • Bottom 3.1% in tier

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

Why This Signature

Member Growth (YoY): -8.30%

(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 improving

Institutional Decline

decline

#52 of 256 • Bottom 6.5% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $177.76M

(Tier: $231.30M, National: $547.69M)

worse than tier avg

Member Growth (YoY): -8.30%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -5.04%

(Tier: 3.64%, National: 36.38%)

worse than tier avg

256 of 1077 Community CUs have this signature | 293 nationally

↓ Shrinking -43 CUs YoY | Rank improving

Liquidity Overhang

risk

#196 of 552 • Bottom 12.6% 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: 13.64%

(Tier: 11.95%, National: 14.51%)

but better than tier avg

Loan-to-Share Ratio: 60.65%

(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 improving

Stagnation Risk

risk

#222 of 550 • Bottom 13.4% 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: 0.28%

(Tier: 0.77%, National: 0.71%)

worse than tier avg

Member Growth (YoY): -8.30%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Avg Member Relationship: $22.1K

(Tier: $25.0K, National: $19.4K)

worse than tier avg

CD Concentration: 2.16%

(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 improving

Efficiency Drag

risk

#484 of 521 • Bottom 27.4% in tier

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

Why This Signature

Efficiency Ratio: 81.66%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): -0.21% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): -8.30%

(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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (4 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 2.16%

Peer Avg: 23.61%

#26 of 1077 Top 2.3% in 100M-500M tier

137

First Mortgage Concentration (%)

balance_sheet

Value: 10.09%

Peer Avg: 30.43%

#137 of 1077 Top 12.6% in 100M-500M tier

193

Net Interest Margin (NIM)

profitability

Value: 4.18%

Peer Avg: 3.58%

#193 of 1077 Top 17.8% in 100M-500M tier

264

Net Worth Ratio

risk

Value: 13.64%

Peer Avg: 12.15%

#264 of 1077 Top 24.4% in 100M-500M tier

Top Weaknesses (9 metrics)

1063

Fee Income Per Member

profitability

Value: $29.20

Peer Avg: $174.31

#1063 of 1077 Bottom 1.4% in 100M-500M tier

1028

Member Growth Rate

growth

Value: -8.30%

Peer Avg: 0.72%

#1028 of 1077 Bottom 4.6% in 100M-500M tier

1008

Total Delinquency Rate (60+ days)

risk

Value: 2.02%

Peer Avg: 0.86%

#1008 of 1077 Bottom 6.5% in 100M-500M tier

1005

Deposit Growth Rate

growth

Value: -2.88%

Peer Avg: 4.69%

#1005 of 1077 Bottom 6.8% in 100M-500M tier

966

Asset Growth Rate

growth

Value: -1.87%

Peer Avg: 4.70%

#966 of 1077 Bottom 10.4% in 100M-500M tier

937

Loan Growth Rate

growth

Value: -5.04%

Peer Avg: 3.45%

#937 of 1077 Bottom 13.1% in 100M-500M tier

890

Return on Assets (ROA)

profitability

Value: 0.28%

Peer Avg: 0.79%

#890 of 1077 Bottom 17.5% in 100M-500M tier

832

Loan-to-Share Ratio

balance_sheet

Value: 60.65%

Peer Avg: 72.70%

#832 of 1077 Bottom 22.8% in 100M-500M tier

811

Members Per Employee (MPE)

engagement

Value: 265.674

Peer Avg: 332.881

#811 of 1077 Bottom 24.8% in 100M-500M tier