ALL IN
Charter #17642 | AL
3B-5B
(76 CUs)
Mid-Market
($1B-$5B)
(380 CUs)
2 3B-5B in AL
ALL IN has 10 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 1.2% in tier
- + Organic Growth Leader: Top 3.6% in tier
- + Wallet Share Momentum: Top 32.7% in tier
- + Relationship Depth Leader: Top 35.7% in tier
- + ROA 0.28% above tier average
- + Net Interest Margin 0.51% above tier average
- + Strong member growth: 9.4% YoY
- + Efficiency Ratio: Top 0.0% in tier
- + First Mortgage Concentration (%): Top 2.6% in tier
- + Member Growth Rate: Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Growth-at-Risk: Bottom 1.6% in tier
- - Credit Quality Pressure: Bottom 3.9% in tier
- - Delinquency rate 0.60% above tier average
- - Share Certificate Concentration (%): Bottom 5.3% in tier
- - Net Charge-Off Rate: Bottom 9.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
209,048
+9.4% YoY+2.5% QoQ
|
-29.4K |
238,465
+0.6% YoY
|
29,240
-2.8% YoY
|
33,089
+6.1% YoY
|
41st in tier |
| Assets |
$3.6B
+8.3% YoY+0.6% QoQ
|
$-378.2M |
$4.0B
-0.1% YoY
|
$436.7M
+7.4% YoY
|
$547.7M
+7.8% YoY
|
32nd in tier |
| Loans |
$2.8B
+11.2% YoY+2.8% QoQ
|
$-253.2M |
$3.0B
+3.3% YoY
|
$258.0M
+6.8% YoY
|
$388.7M
+8.6% YoY
|
33rd in tier |
| Deposits |
$3.2B
+10.8% YoY+2.1% QoQ
|
$-157.2M |
$3.3B
+1.1% YoY
|
$382.5M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
37th in tier |
| ROA |
1.0%
+10.5% YoY+10.0% QoQ
|
+0.3% |
0.7%
+5.3% YoY
|
0.8%
+31.6% YoY
|
0.7%
+273.4% YoY
|
64th in tier |
| NIM |
3.7%
+11.1% YoY+2.2% QoQ
|
+0.5% |
3.2%
+13.7% YoY
|
3.7%
+6.4% YoY
|
3.7%
+5.0% YoY
|
Top 21.1% in tier |
| Efficiency Ratio |
53.2%
-4.2% YoY-3.1% QoQ
|
-18.1% |
71.3%
-0.6% YoY
|
76.4%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 0.0% in tier |
| Delinquency Rate |
1.4%
+37.7% YoY+16.5% QoQ
|
+0.6 |
0.8%
+15.9% YoY
|
1.7%
+18.9% YoY
|
1.2%
-0.9% YoY
|
Top 11.8% in tier |
| Loan To Share |
87.1%
+0.4% YoY+0.6% QoQ
|
-3.8% |
90.8%
+2.0% YoY
|
60.8%
-1.6% YoY
|
68.0%
-1.7% YoY
|
30th in tier |
| AMR |
$28,423
+1.4% YoY-0.1% QoQ
|
$-665 |
$29,088
+0.1% YoY
|
$17,062
+2.3% YoY
|
$19,418
+1.3% YoY
|
49th in tier |
| CD Concentration |
48.5%
-1.0% YoY-2.1% QoQ
|
+19.5% |
29.0%
+0.8% YoY
|
20.8%
+2.9% YoY
|
19.6%
+6.2% YoY
|
Top 3.4% in tier |
| Indirect Auto % |
13.8%
+7.5% YoY+7.2% QoQ
|
-5.0% |
18.8%
-2.8% YoY
|
5.4%
-6.7% YoY
|
7.9%
-2.9% YoY
|
44th in tier |
Signature Analysis
Strengths (4)
Organic Growth Engine
growth
#10 of 246 • Top 1.2% in tier
Growing membership while maintaining profitability. Healthy fundamentals in place.
Why This Signature
Member Growth (YoY):
9.44%
(Tier:
3.18%, National:
9.37%)
Return on Assets:
1.02%
(Tier:
0.71%, National:
0.71%)
Indirect Auto %:
13.76%
(Tier:
18.80%, National:
7.90%)
246 of 380 Mid-Market CUs have this signature
| 917 nationally
↑ Growing
+14 CUs YoY
Organic Growth Leader
growth
#15 of 138 • Top 3.6% in tier
Attracting members without relying on indirect channels. Healthy, sustainable growth model.
Why This Signature
Member Growth (YoY):
9.44%
(Tier:
3.18%, National:
9.37%)
138 of 380 Mid-Market CUs have this signature
| 608 nationally
↑ Growing
+11 CUs YoY
Wallet Share Momentum
growth
#237 of 264 • Top 32.7% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
1.40%
(Tier:
3.04%, National:
4.19%)
264 of 380 Mid-Market CUs have this signature
| 1330 nationally
↑ Growing
+60 CUs YoY
|
Rank worsening
Relationship Depth Leader
growth
#259 of 264 • Top 35.7% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
1.40%
(Tier:
3.04%, National:
4.19%)
Share Draft per Member:
$2.0K
(Tier: $3.1K, National: $2.0K)
264 of 380 Mid-Market CUs have this signature
| 1330 nationally
↑ Growing
+60 CUs YoY
|
Rank worsening
Concerns (2)
Growth-at-Risk
risk
#10 of 161 • Bottom 1.6% in tier
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Why This Signature
Loan Growth (YoY):
11.20%
(Tier:
6.14%, National:
36.38%)
Delinquency Change (YoY):
0.40% points
(Tier:
0.07% points, National:
0.07% points)
161 of 380 Mid-Market CUs have this signature
| 646 nationally
↓ Shrinking
-30 CUs YoY
|
Rank improving
Credit Quality Pressure
risk
#31 of 217 • Bottom 3.9% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
0.40% points
(Tier:
0.07% points, National:
0.07% points)
217 of 380 Mid-Market CUs have this signature
| 1002 nationally
↓ Shrinking
-70 CUs YoY
|
Rank improving
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
Efficiency Ratio
profitability
Value:
53.17%
Peer Avg: 71.26%
#1 of 76
Top 0.0% in 3B-5B tier
3
First Mortgage Concentration (%)
balance_sheet
Value:
10.80%
Peer Avg: 34.35%
#3 of 76
Top 2.6% in 3B-5B tier
7
Member Growth Rate
growth
Value:
9.44%
Peer Avg: 7.02%
#7 of 76
Top 7.9% in 3B-5B tier
14
Deposit Growth Rate
growth
Value:
10.78%
Peer Avg: 8.84%
#14 of 76
Top 17.1% in 3B-5B tier
16
Net Interest Margin (NIM)
profitability
Value:
3.71%
Peer Avg: 3.20%
#16 of 76
Top 19.7% in 3B-5B tier
19
Loan Growth Rate
growth
Value:
11.20%
Peer Avg: 9.56%
#19 of 76
Top 23.7% in 3B-5B tier
Top Weaknesses (3 metrics)
73
Share Certificate Concentration (%)
balance_sheet
Value:
48.45%
Peer Avg: 30.70%
#73 of 76
Bottom 5.3% in 3B-5B tier
70
Net Charge-Off Rate
risk
Value:
1.37%
Peer Avg: 0.64%
#70 of 76
Bottom 9.2% in 3B-5B tier
68
Total Delinquency Rate (60+ days)
risk
Value:
1.45%
Peer Avg: 0.84%
#68 of 76
Bottom 11.8% in 3B-5B tier