MT ZION WOODLAWN

Charter #18562 | OH

<100M (2596 CUs) Micro
121 <100M in OH

MT ZION WOODLAWN has 5 strengths but faces 11 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.83% 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
  • + Net Charge-Off Rate: Top 9.4% in tier

Key Concerns

Areas that may need attention

  • - Delinquency rate 40.52% above tier average
  • - Members Per Employee (MPE): Bottom 0.0% in tier
  • - Total Delinquency Rate (60+ days): Bottom 0.6% in tier
  • - Total Assets: Bottom 0.6% in tier
  • - Average Member Relationship (AMR): Bottom 0.8% in tier
  • - Total Deposits: Bottom 0.9% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 1.0% in tier
  • - Total Loans: Bottom 1.1% in tier
  • - Loan-to-Share Ratio: Bottom 1.5% in tier
  • - Total Members: Bottom 3.4% in tier
  • - Fee Income Per Member: Bottom 9.5% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Members 161
+1.3% YoY-3.0% QoQ
 -2.5K 2,625
-2.2% YoY
 16,553
+5.8% YoY
 33,089
+6.1% YoY
 Bottom 3.3% in tier
Assets $134,939
+6.1% YoY-1.6% QoQ
 $-29.7M $29.9M
+1.1% YoY
 $245.2M
+8.8% YoY
 $547.7M
+7.8% YoY
 Bottom 0.5% in tier
Loans $8,692
-2.9% YoY-12.9% QoQ
 $-15.8M $15.8M
-2.4% YoY
 $170.6M
+8.7% YoY
 $388.7M
+8.6% YoY
 Bottom 1.1% in tier
Deposits $120,871
+5.1% YoY-1.8% QoQ
 $-25.3M $25.5M
+0.4% YoY
 $209.1M
+9.7% YoY
 $464.6M
+9.3% YoY
 Bottom 0.8% in tier
ROA 1.5%
+5.8% YoY-30.9% QoQ
 +0.8% 0.7%
-731.4% YoY
 0.5%
-7.3% YoY
 0.7%
+273.4% YoY
 Top 19.8% in tier
NIM 3.7%
-10.5% YoY-1.8% QoQ
 -0.3% 3.9%
+3.8% YoY
 3.7%
+3.3% YoY
 3.7%
+5.0% YoY
 41st in tier
Efficiency Ratio 61.0%
-7.3% YoY+47.0% QoQ
 -20.4% 81.4%
-2.4% YoY
 83.9%
+3.6% YoY
 79.1%
-3.3% YoY
 Bottom 15.3% in tier
Delinquency Rate 42.0% +40.5 1.5%
-2.0% YoY
 1.5%
+29.9% YoY
 1.2%
-0.9% YoY
 Top 0.6% in tier
Loan To Share 7.2%
-7.6% YoY-11.4% QoQ
 -54.0% 61.2%
-3.0% YoY
 63.8%
-2.4% YoY
 68.0%
-1.7% YoY
 Bottom 1.3% in tier
AMR $804.7
+3.2% YoY+0.4% QoQ
 $-14K $14,627
-2.7% YoY
 $17,099
+5.9% YoY
 $19,418
+1.3% YoY
 Bottom 0.8% in tier
CD Concentration 0.0% -24.4% 24.4%
+4.2% YoY
 19.2%
+8.0% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 11.2%
-0.8% 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)

Comparing against 2596 peers in tier

Top Strengths (9 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
246
Net Charge-Off Rate
risk
Value: 0.00%
Peer Avg: 0.57%
#246 of 2596 Top 9.4% in <100M tier
399
Efficiency Ratio
profitability
Value: 61.03%
Peer Avg: 81.39%
#399 of 2596 Top 15.3% in <100M tier
513
Return on Assets (ROA)
profitability
Value: 1.51%
Peer Avg: 0.68%
#513 of 2596 Top 19.7% in <100M tier
525
Asset Growth Rate
growth
Value: 6.06%
Peer Avg: 1.82%
#525 of 2596 Top 20.2% in <100M tier
562
Member Growth Rate
growth
Value: 1.26%
Peer Avg: 14.92%
#562 of 2596 Top 21.6% in <100M tier
605
Deposit Growth Rate
growth
Value: 5.06%
Peer Avg: 16.80%
#605 of 2596 Top 23.3% in <100M tier

Top Weaknesses (11 metrics)

2596
Members Per Employee (MPE)
engagement
Value: -
Peer Avg: 365.701
#2596 of 2596 Bottom 0.0% in <100M tier
2582
Total Delinquency Rate (60+ days)
risk
Value: 42.03%
Peer Avg: 1.51%
#2582 of 2596 Bottom 0.6% in <100M tier
2582
Total Assets
balance_sheet
Value: $134,939
Peer Avg: $29.86M
#2582 of 2596 Bottom 0.6% in <100M tier
2576
Average Member Relationship (AMR)
engagement
Value: $804.74
Peer Avg: $14,627
#2576 of 2596 Bottom 0.8% in <100M tier
2574
Total Deposits
balance_sheet
Value: $120,871
Peer Avg: $25.45M
#2574 of 2596 Bottom 0.9% in <100M tier
2571
Loan-to-Member Ratio (LMR)
engagement
Value: $53.99
Peer Avg: $5,488
#2571 of 2596 Bottom 1.0% in <100M tier
2568
Total Loans
balance_sheet
Value: $8,692
Peer Avg: $15.77M
#2568 of 2596 Bottom 1.1% in <100M tier
2559
Loan-to-Share Ratio
balance_sheet
Value: 7.19%
Peer Avg: 61.23%
#2559 of 2596 Bottom 1.5% in <100M tier
2509
Total Members
engagement
Value: 161
Peer Avg: 2,626
#2509 of 2596 Bottom 3.4% in <100M tier
2351
Fee Income Per Member
profitability
Value: $1.75
Peer Avg: $182.96
#2351 of 2596 Bottom 9.5% in <100M tier