COMMUNITYWIDE

Charter #18336 | IN

750M-1B (112 CUs) Community (281 CUs)
4 750M-1B in IN

COMMUNITYWIDE has 5 strengths but faces 15 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.30% above tier average
  • + Net Interest Margin 0.70% above tier average
  • + First Mortgage Concentration (%): Top 0.0% in tier
  • + Members Per Employee (MPE): Top 0.9% in tier
  • + Efficiency Ratio: Top 1.8% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 4.5% in tier
  • - Credit Quality Pressure: Bottom 5.9% in tier
  • - Institutional Decline: Bottom 11.2% in tier
  • - Stagnation Risk: Bottom 18.2% in tier
  • - Accelerating Exit Risk: Bottom 18.7% in tier
  • - Shrinking Wallet Share: Bottom 22.6% in tier
  • - Membership Headwinds: Bottom 23.7% in tier
  • - Liquidity Overhang: Bottom 29.6% in tier
  • - Delinquency rate 2.35% above tier average
  • - Total Delinquency Rate (60+ days): Bottom 0.9% in tier
  • - Indirect Auto Concentration (%): Bottom 0.9% in tier
  • - Fee Income Per Member: Bottom 1.8% in tier
  • - Net Charge-Off Rate: Bottom 1.8% in tier
  • - Loan Growth Rate: Bottom 6.2% in tier
  • - Share Certificate Concentration (%): Bottom 8.0% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Members 69,938
-1.5% YoY-0.8% QoQ
 +17.8K 52,114
-2.1% YoY
 22,637
+3.1% YoY
 33,089
+6.1% YoY
 Top 12.5% in tier
Assets $858.9M
+2.1% YoY+1.3% QoQ
 $-105K $859.0M
+0.0% YoY
 $383.9M
+8.8% YoY
 $547.7M
+7.8% YoY
 50th in tier
Loans $634.1M
-6.1% YoY-2.2% QoQ
 +$30.7M $603.4M
+1.0% YoY
 $276.9M
+7.4% YoY
 $388.7M
+8.6% YoY
 52nd in tier
Deposits $742.1M
+1.3% YoY+1.1% QoQ
 +$7.9M $734.2M
+0.9% YoY
 $323.0M
+10.5% YoY
 $464.6M
+9.3% YoY
 57th in tier
ROA 1.0%
+3832.6% YoY+21.6% QoQ
 +0.3% 0.7%
+27.6% YoY
 0.9%
+24.5% YoY
 0.7%
+273.4% YoY
 70th in tier
NIM 4.1%
+14.1% YoY-0.4% QoQ
 +0.7% 3.4%
+9.6% YoY
 3.8%
+8.0% YoY
 3.7%
+5.0% YoY
 Top 12.5% in tier
Efficiency Ratio 44.4%
-6.1% YoY+1.1% QoQ
 -30.2% 74.5%
-3.2% YoY
 77.7%
-3.5% YoY
 79.1%
-3.3% YoY
 Bottom 1.8% in tier
Delinquency Rate 3.2%
+18.1% YoY+9.5% QoQ
 +2.3 0.8%
+5.0% YoY
 1.3%
+19.3% YoY
 1.2%
-0.9% YoY
 Top 0.9% in tier
Loan To Share 85.4%
-7.3% YoY-3.3% QoQ
 +2.8% 82.7%
+0.1% YoY
 69.6%
-2.1% YoY
 68.0%
-1.7% YoY
 45th in tier
AMR $19,677
-0.8% YoY+0.4% QoQ
 $-9K $28,651
+2.5% YoY
 $18,326
+4.3% YoY
 $19,418
+1.3% YoY
 Bottom 9.8% in tier
CD Concentration 41.1%
+6.3% YoY+1.2% QoQ
 +16.7% 24.4%
+4.2% YoY
 19.0%
+9.9% YoY
 19.6%
+6.2% YoY
 Top 6.0% in tier
Indirect Auto % 76.3%
-2.6% YoY-1.3% QoQ
 +62.3% 14.0%
-5.8% YoY
 11.0%
-3.5% YoY
 7.9%
-2.9% YoY
 Top 0.4% in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (8)

Indirect Auto Dependency

risk
#73 of 525 • Bottom 4.5% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 2.09%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 76.26%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -1.49%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 281 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank worsening

Credit Quality Pressure

risk
#148 of 736 • Bottom 5.9% in tier

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

Why This Signature
Delinquency Change (YoY): 0.48% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 281 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank improving

Institutional Decline

decline
#89 of 256 • Bottom 11.2% in tier

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

Why This Signature
Total Assets: $858.90M
(Tier: $859.01M, National: $547.69M)
worse than tier avg
Member Growth (YoY): -1.49%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -6.08%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
256 of 281 Community CUs have this signature | 293 nationally
↓ Shrinking -43 CUs YoY | New qualifier

Stagnation Risk

risk
#301 of 550 • Bottom 18.2% 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: 1.01%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -1.49%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $19.7K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 41.08%
(Tier: 24.41%, National: 19.60%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Accelerating Exit Risk

decline
#50 of 58 • Bottom 18.7% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature
Member Growth (YoY): -1.49%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
AMR Growth (YoY): -0.76%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
58 of 281 Community CUs have this signature | 73 nationally
↓ Shrinking -89 CUs YoY | New qualifier

Shrinking Wallet Share

decline
#226 of 244 • Bottom 22.6% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -0.76%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 281 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY | New qualifier

Membership Headwinds

decline
#390 of 550 • Bottom 23.7% in tier

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

Why This Signature
Member Growth (YoY): -1.49%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Liquidity Overhang

risk
#459 of 552 • Bottom 29.6% 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: 13.12%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 85.44%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 281 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY

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)

Comparing against 112 peers in tier

Top Strengths (6 metrics)

1
First Mortgage Concentration (%)
balance_sheet
Value: 1.10%
Peer Avg: 33.64%
#1 of 112 Top 0.0% in 750M-1B tier
2
Members Per Employee (MPE)
engagement
Value: 832.595
Peer Avg: 361.634
#2 of 112 Top 0.9% in 750M-1B tier
3
Efficiency Ratio
profitability
Value: 44.36%
Peer Avg: 74.52%
#3 of 112 Top 1.8% in 750M-1B tier
14
Net Interest Margin (NIM)
profitability
Value: 4.07%
Peer Avg: 3.38%
#14 of 112 Top 11.6% in 750M-1B tier
14
Total Members
engagement
Value: 69,938
Peer Avg: 52,114
#14 of 112 Top 11.6% in 750M-1B tier
25
Net Worth Ratio
risk
Value: 13.12%
Peer Avg: 11.52%
#25 of 112 Top 21.4% in 750M-1B tier

Top Weaknesses (11 metrics)

112
Total Delinquency Rate (60+ days)
risk
Value: 3.17%
Peer Avg: 0.82%
#112 of 112 Bottom 0.9% in 750M-1B tier
112
Indirect Auto Concentration (%)
balance_sheet
Value: 76.26%
Peer Avg: 16.60%
#112 of 112 Bottom 0.9% in 750M-1B tier
111
Fee Income Per Member
profitability
Value: $54.47
Peer Avg: $204.75
#111 of 112 Bottom 1.8% in 750M-1B tier
111
Net Charge-Off Rate
risk
Value: 2.08%
Peer Avg: 0.61%
#111 of 112 Bottom 1.8% in 750M-1B tier
106
Loan Growth Rate
growth
Value: -6.08%
Peer Avg: 4.84%
#106 of 112 Bottom 6.2% in 750M-1B tier
104
Share Certificate Concentration (%)
balance_sheet
Value: 41.08%
Peer Avg: 28.34%
#104 of 112 Bottom 8.0% in 750M-1B tier
101
Average Member Relationship (AMR)
engagement
Value: $19,677
Peer Avg: $28,651
#101 of 112 Bottom 10.7% in 750M-1B tier
96
AMR Growth Rate
growth
Value: -0.76%
Peer Avg: 4.90%
#96 of 112 Bottom 15.2% in 750M-1B tier
93
Deposit Growth Rate
growth
Value: 1.29%
Peer Avg: 5.03%
#93 of 112 Bottom 17.9% in 750M-1B tier
91
Loan-to-Member Ratio (LMR)
engagement
Value: $9,066
Peer Avg: $12,810
#91 of 112 Bottom 19.6% in 750M-1B tier