RICHMOND LIGHT EMPLOYEES
Charter #17454 | IN
<100M
(2596 CUs)
Micro
($0-$500M)
82 <100M in IN
RICHMOND LIGHT EMPLOYEES has 6 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.20% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 0.2% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.8% YoY
- - Deposit Growth Rate: Bottom 1.7% in tier
- - Total Members: Bottom 3.0% in tier
- - Members Per Employee (MPE): Bottom 4.7% in tier
- - Total Deposits: Bottom 5.6% in tier
- - AMR Growth Rate: Bottom 5.7% in tier
- - Total Assets: Bottom 7.0% in tier
- - Net Interest Margin (NIM): Bottom 9.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
150
-3.8% YoY-0.7% QoQ
|
-2.5K |
2,625
-2.2% YoY
|
22,637
+3.1% YoY
|
33,089
+6.1% YoY
|
Bottom 2.9% in tier |
| Assets |
$1.3M
-0.7% YoY-2.1% QoQ
|
$-28.6M |
$29.9M
+1.1% YoY
|
$383.9M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
Bottom 7.0% in tier |
| Loans |
$1.0M
-11.8% YoY-6.9% QoQ
|
$-14.7M |
$15.8M
-2.4% YoY
|
$276.9M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
Bottom 11.8% in tier |
| Deposits |
$747,606
-20.1% YoY-3.8% QoQ
|
$-24.7M |
$25.5M
+0.4% YoY
|
$323.0M
+10.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 5.5% in tier |
| ROA |
0.9%
-629.1% YoY-11.3% QoQ
|
+0.2% |
0.7%
-731.4% YoY
|
0.9%
+24.5% YoY
|
0.7%
+273.4% YoY
|
56th in tier |
| NIM |
2.6%
+48.9% YoY-1.6% QoQ
|
-1.3% |
3.9%
+3.8% YoY
|
3.8%
+8.0% YoY
|
3.7%
+5.0% YoY
|
Bottom 9.4% in tier |
| Efficiency Ratio |
68.4%
-37.2% YoY+4.9% QoQ
|
-13.0% |
81.4%
-2.4% YoY
|
77.7%
-3.5% YoY
|
79.1%
-3.3% YoY
|
28th in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
1.3%
+19.3% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
137.0%
+10.4% YoY-3.3% QoQ
|
+75.7% |
61.2%
-3.0% YoY
|
69.6%
-2.1% YoY
|
68.0%
-1.7% YoY
|
Top 0.4% in tier |
| AMR |
$11,811
-12.1% YoY-5.0% QoQ
|
$-3K |
$14,627
-2.7% YoY
|
$18,326
+4.3% YoY
|
$19,418
+1.3% YoY
|
38th in tier |
| CD Concentration |
19.1%
+308.9% YoY+4.3% QoQ
|
-5.3% |
24.4%
+4.2% YoY
|
19.0%
+9.9% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
11.0%
-3.5% 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 (6 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
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
7
Loan-to-Share Ratio
balance_sheet
Value:
136.97%
Peer Avg: 61.23%
#7 of 2596
Top 0.2% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
590
Net Worth Ratio
risk
Value:
19.81%
Peer Avg: 16.43%
#590 of 2596
Top 22.7% in <100M tier
Top Weaknesses (11 metrics)
2553
Deposit Growth Rate
growth
Value:
-20.07%
Peer Avg: 16.80%
#2553 of 2596
Bottom 1.7% in <100M tier
2518
Total Members
engagement
Value:
150
Peer Avg: 2,626
#2518 of 2596
Bottom 3.0% in <100M tier
2474
Members Per Employee (MPE)
engagement
Value:
75.000
Peer Avg: 365.701
#2474 of 2596
Bottom 4.7% in <100M tier
2452
Total Deposits
balance_sheet
Value:
$747,606
Peer Avg: $25.45M
#2452 of 2596
Bottom 5.6% in <100M tier
2449
AMR Growth Rate
growth
Value:
-12.09%
Peer Avg: 4.67%
#2449 of 2596
Bottom 5.7% in <100M tier
2414
Total Assets
balance_sheet
Value:
$1.27M
Peer Avg: $29.86M
#2414 of 2596
Bottom 7.0% in <100M tier
2351
Net Interest Margin (NIM)
profitability
Value:
2.63%
Peer Avg: 3.93%
#2351 of 2596
Bottom 9.5% in <100M tier
2290
Total Loans
balance_sheet
Value:
$1.02M
Peer Avg: $15.77M
#2290 of 2596
Bottom 11.8% in <100M tier
2158
Loan Growth Rate
growth
Value:
-11.77%
Peer Avg: 59.01%
#2158 of 2596
Bottom 16.9% in <100M tier
2022
Fee Income Per Member
profitability
Value:
$13.89
Peer Avg: $182.96
#2022 of 2596
Bottom 22.1% in <100M tier