HONDA
Charter #17623 | CA
1B-3B
(304 CUs)
Mid-Market
($1B-$5B)
(380 CUs)
40 1B-3B in CA
HONDA has 3 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 23.8% in tier
- + Wallet Share Momentum: Top 26.7% in tier
- + Emerging Performer: Top 29.1% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 10.5% in tier
- - Membership Headwinds: Bottom 13.4% in tier
- - Credit Quality Pressure: Bottom 27.6% in tier
- - ROA 0.18% below tier average
- - Efficiency ratio 5.91% above tier (higher cost structure)
- - Member decline: -3.2% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
60,930
-3.2% YoY-1.2% QoQ
|
-37.7K |
98,678
-1.9% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
Bottom 14.1% in tier |
| Assets |
$1.2B
+0.3% YoY+0.0% QoQ
|
$-535.1M |
$1.7B
+0.5% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
Bottom 21.7% in tier |
| Loans |
$899.1M
-0.0% YoY+0.7% QoQ
|
$-333.9M |
$1.2B
+0.5% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
26th in tier |
| Deposits |
$1.0B
-0.8% YoY+0.0% QoQ
|
$-422.3M |
$1.5B
+1.3% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
Bottom 22.4% in tier |
| ROA |
0.5%
-1271.8% YoY-19.0% QoQ
|
-0.2% |
0.7%
+13.4% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
38th in tier |
| NIM |
3.1%
+11.8% YoY+3.6% QoQ
|
-0.1% |
3.3%
+9.3% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
37th in tier |
| Efficiency Ratio |
79.9%
-17.9% YoY+0.1% QoQ
|
+5.9% |
74.0%
-10.9% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
71st in tier |
| Delinquency Rate |
0.3%
+0.8% YoY+9.9% QoQ
|
-0.5 |
0.8%
+6.1% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
Bottom 17.4% in tier |
| Loan To Share |
87.1%
+0.8% YoY+0.6% QoQ
|
+1.9% |
85.2%
-0.8% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
49th in tier |
| AMR |
$31,694
+2.8% YoY+1.5% QoQ
|
+$3K |
$29,172
+2.8% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
72nd in tier |
| CD Concentration |
33.2%
-5.1% YoY-0.5% QoQ
|
+4.2% |
29.0%
+0.8% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
70th in tier |
| Indirect Auto % |
11.6%
+4.4% YoY+4.8% QoQ
|
-7.2% |
18.8%
-2.8% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
39th in tier |
Signature Analysis
Strengths (3)
Relationship Depth Leader
growth
#173 of 264 • Top 23.8% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
2.81%
(Tier:
3.04%, National:
4.19%)
Share Draft per Member:
$3.1K
(Tier: $3.1K, National: $2.0K)
264 of 380 Mid-Market CUs have this signature
| 1330 nationally
↑ Growing
+60 CUs YoY
|
Rank worsening
Wallet Share Momentum
growth
#194 of 264 • Top 26.7% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
2.81%
(Tier:
3.04%, National:
4.19%)
264 of 380 Mid-Market CUs have this signature
| 1330 nationally
↑ Growing
+60 CUs YoY
|
Rank worsening
Emerging Performer
growth
#155 of 184 • Top 29.1% in tier
Profitable credit union with positive returns. May represent growth potential worth exploring.
Why This Signature
Return on Assets:
0.53%
(Tier:
0.71%, National:
0.71%)
Member Growth (YoY):
-3.18%
(Tier:
3.18%, National:
9.37%)
184 of 380 Mid-Market CUs have this signature
| 852 nationally
↑ Growing
+18 CUs YoY
|
New qualifier
Concerns (3)
Stagnation Risk
risk
#26 of 85 • Bottom 10.5% 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:
0.53%
(Tier:
0.71%, National:
0.71%)
Member Growth (YoY):
-3.18%
(Tier:
3.18%, National:
9.37%)
Avg Member Relationship:
$31.7K
(Tier: $29.2K, National: $19.4K)
CD Concentration:
33.20%
(Tier:
28.98%, National:
19.60%)
85 of 380 Mid-Market CUs have this signature
| 648 nationally
↑ Growing
+6 CUs YoY
Membership Headwinds
decline
#33 of 85 • Bottom 13.4% in tier
Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Why This Signature
Member Growth (YoY):
-3.18%
(Tier:
3.18%, National:
9.37%)
85 of 380 Mid-Market CUs have this signature
| 648 nationally
↑ Growing
+6 CUs YoY
|
Rank worsening
Credit Quality Pressure
risk
#212 of 217 • Bottom 27.6% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
0.00% points
(Tier:
0.07% points, National:
0.07% points)
217 of 380 Mid-Market CUs have this signature
| 1002 nationally
↓ Shrinking
-70 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)
Top Strengths (2 metrics)
52
Net Charge-Off Rate
risk
Value:
0.23%
Peer Avg: 0.60%
#52 of 304
Top 16.8% in 1B-3B tier
54
Total Delinquency Rate (60+ days)
risk
Value:
0.34%
Peer Avg: 0.83%
#54 of 304
Top 17.4% in 1B-3B tier
Top Weaknesses (8 metrics)
272
Member Growth Rate
growth
Value:
-3.18%
Peer Avg: 2.20%
#272 of 304
Bottom 10.9% in 1B-3B tier
267
Deposit Growth Rate
growth
Value:
-0.83%
Peer Avg: 5.58%
#267 of 304
Bottom 12.5% in 1B-3B tier
261
Net Worth Ratio
risk
Value:
9.16%
Peer Avg: 11.44%
#261 of 304
Bottom 14.5% in 1B-3B tier
261
Total Members
engagement
Value:
60,930
Peer Avg: 98,678
#261 of 304
Bottom 14.5% in 1B-3B tier
255
First Mortgage Concentration (%)
balance_sheet
Value:
48.00%
Peer Avg: 34.01%
#255 of 304
Bottom 16.4% in 1B-3B tier
241
Asset Growth Rate
growth
Value:
0.28%
Peer Avg: 4.83%
#241 of 304
Bottom 21.1% in 1B-3B tier
238
Total Assets
balance_sheet
Value:
$1.18B
Peer Avg: $1.72B
#238 of 304
Bottom 22.0% in 1B-3B tier
236
Total Deposits
balance_sheet
Value:
$1.03B
Peer Avg: $1.45B
#236 of 304
Bottom 22.7% in 1B-3B tier