BATTERY EMPLOYEES
Charter #17588 | IN
<100M
(2596 CUs)
Micro
($0-$500M)
82 <100M in IN
BATTERY EMPLOYEES has 6 strengths but faces 11 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.36% above tier average
- + Net Interest Margin 2.14% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 2.8% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 0.17% above tier (higher cost structure)
- - Delinquency rate 2.61% above tier average
- - Member decline: -23.5% YoY
- - Member Growth Rate: Bottom 1.3% in tier
- - Total Members: Bottom 4.2% in tier
- - Total Assets: Bottom 5.4% in tier
- - Total Deposits: Bottom 5.5% in tier
- - Members Per Employee (MPE): Bottom 5.7% in tier
- - Total Loans: Bottom 6.6% in tier
- - Total Delinquency Rate (60+ days): Bottom 8.0% in tier
- - Fee Income Per Member: Bottom 8.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
186
-23.5% YoY+10.1% QoQ
|
-2.4K |
2,625
-2.2% YoY
|
22,637
+3.1% YoY
|
33,089
+6.1% YoY
|
Bottom 4.2% in tier |
| Assets |
$974,450
-4.8% YoY-2.9% QoQ
|
$-28.9M |
$29.9M
+1.1% YoY
|
$383.9M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
Bottom 5.4% in tier |
| Loans |
$418,639
-12.2% YoY-2.4% QoQ
|
$-15.3M |
$15.8M
-2.4% YoY
|
$276.9M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
Bottom 6.5% in tier |
| Deposits |
$739,179
-7.4% YoY-4.1% QoQ
|
$-24.7M |
$25.5M
+0.4% YoY
|
$323.0M
+10.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 5.5% in tier |
| ROA |
1.0%
+161.3% YoY+5.7% QoQ
|
+0.4% |
0.7%
-731.4% YoY
|
0.9%
+24.5% YoY
|
0.7%
+273.4% YoY
|
63rd in tier |
| NIM |
6.1%
+5.7% YoY+2.3% QoQ
|
+2.1% |
3.9%
+3.8% YoY
|
3.8%
+8.0% YoY
|
3.7%
+5.0% YoY
|
Top 3.9% in tier |
| Efficiency Ratio |
81.6%
-12.4% YoY-2.3% QoQ
|
+0.2% |
81.4%
-2.4% YoY
|
77.7%
-3.5% YoY
|
79.1%
-3.3% YoY
|
58th in tier |
| Delinquency Rate |
4.1%
-66.0% YoY-43.7% QoQ
|
+2.6 |
1.5%
-2.0% YoY
|
1.3%
+19.3% YoY
|
1.2%
-0.9% YoY
|
Top 8.0% in tier |
| Loan To Share |
56.6%
-5.1% YoY+1.8% QoQ
|
-4.6% |
61.2%
-3.0% YoY
|
69.6%
-2.1% YoY
|
68.0%
-1.7% YoY
|
43rd in tier |
| AMR |
$6,225
+18.7% YoY-12.3% QoQ
|
$-8K |
$14,627
-2.7% YoY
|
$18,326
+4.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 12.6% in tier |
| CD Concentration | 0.0% | -24.4% |
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
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
74
AMR Growth Rate
growth
Value:
18.66%
Peer Avg: 4.67%
#74 of 2596
Top 2.8% in <100M tier
102
Net Interest Margin (NIM)
profitability
Value:
6.07%
Peer Avg: 3.93%
#102 of 2596
Top 3.9% in <100M tier
323
Net Worth Ratio
risk
Value:
23.92%
Peer Avg: 16.43%
#323 of 2596
Top 12.4% in <100M tier
Top Weaknesses (14 metrics)
2562
Member Growth Rate
growth
Value:
-23.46%
Peer Avg: 14.92%
#2562 of 2596
Bottom 1.3% in <100M tier
2487
Total Members
engagement
Value:
186
Peer Avg: 2,626
#2487 of 2596
Bottom 4.2% in <100M tier
2457
Total Assets
balance_sheet
Value:
$974,450
Peer Avg: $29.86M
#2457 of 2596
Bottom 5.4% in <100M tier
2454
Total Deposits
balance_sheet
Value:
$739,179
Peer Avg: $25.45M
#2454 of 2596
Bottom 5.5% in <100M tier
2449
Members Per Employee (MPE)
engagement
Value:
93.000
Peer Avg: 365.701
#2449 of 2596
Bottom 5.7% in <100M tier
2426
Total Loans
balance_sheet
Value:
$418,639
Peer Avg: $15.77M
#2426 of 2596
Bottom 6.6% in <100M tier
2389
Total Delinquency Rate (60+ days)
risk
Value:
4.11%
Peer Avg: 1.51%
#2389 of 2596
Bottom 8.0% in <100M tier
2368
Fee Income Per Member
profitability
Value:
$1.51
Peer Avg: $182.96
#2368 of 2596
Bottom 8.8% in <100M tier
2306
Deposit Growth Rate
growth
Value:
-7.40%
Peer Avg: 16.80%
#2306 of 2596
Bottom 11.2% in <100M tier
2270
Average Member Relationship (AMR)
engagement
Value:
$6,225
Peer Avg: $14,627
#2270 of 2596
Bottom 12.6% in <100M tier