PARTNERS

Charter #18708 | CA

1B-3B (304 CUs) Mid-Market (380 CUs)
40 1B-3B in CA

PARTNERS has 8 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 21.0% in tier
  • + Relationship Depth Leader: Top 28.1% in tier
  • + ROA 0.01% above tier average
  • + Net Interest Margin 0.29% above tier average
  • + Total Members: Top 3.9% in tier
  • + Total Loans: Top 4.6% in tier
  • + Total Deposits: Top 5.9% in tier
  • + Total Assets: Top 8.2% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 12.2% in tier
  • - Growth-at-Risk: Bottom 22.8% in tier
  • - Stagnation Risk: Bottom 23.8% in tier
  • - Liquidity Strain: Bottom 29.0% in tier
  • - Membership Headwinds: Bottom 32.2% in tier
  • - Delinquency rate 0.13% above tier average

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 178,768
-0.6% YoY-0.1% QoQ
 +80.1K 98,678
-1.9% YoY
 59,606
+5.7% YoY
 33,089
+6.1% YoY
 Top 4.3% in tier
Assets $2.7B
+5.2% YoY+0.1% QoQ
 +$933.8M $1.7B
+0.5% YoY
 $1.2B
+6.2% YoY
 $547.7M
+7.8% YoY
 Top 8.6% in tier
Loans $2.2B
+1.3% YoY+1.5% QoQ
 +$919.3M $1.2B
+0.5% YoY
 $845.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 Top 4.9% in tier
Deposits $2.3B
+4.9% YoY-0.4% QoQ
 +$858.9M $1.5B
+1.3% YoY
 $1.0B
+8.8% YoY
 $464.6M
+9.3% YoY
 Top 6.2% in tier
ROA 0.7%
-25.6% YoY+90.4% QoQ
 +0.0% 0.7%
+13.4% YoY
 0.6%
+30.0% YoY
 0.7%
+273.4% YoY
 55th in tier
NIM 3.5%
+6.0% YoY+2.4% QoQ
 +0.3% 3.3%
+9.3% YoY
 3.3%
+6.5% YoY
 3.7%
+5.0% YoY
 69th in tier
Efficiency Ratio 71.9%
+2.8% YoY-3.6% QoQ
 -2.1% 74.0%
-10.9% YoY
 79.3%
-6.2% YoY
 79.1%
-3.3% YoY
 38th in tier
Delinquency Rate 1.0%
+18.2% YoY+4.9% QoQ
 +0.1 0.8%
+6.1% YoY
 0.7%
-38.7% YoY
 1.2%
-0.9% YoY
 73rd in tier
Loan To Share 93.0%
-3.4% YoY+1.9% QoQ
 +7.8% 85.2%
-0.8% YoY
 68.8%
-1.5% YoY
 68.0%
-1.7% YoY
 67th in tier
AMR $24,979
+3.8% YoY+0.5% QoQ
 $-4K $29,172
+2.8% YoY
 $28,514
+2.8% YoY
 $19,418
+1.3% YoY
 34th in tier
CD Concentration 22.4%
-10.2% YoY+0.2% QoQ
 -6.6% 29.0%
+0.8% YoY
 21.7%
+4.2% YoY
 19.6%
+6.2% YoY
 Bottom 20.8% in tier
Indirect Auto % 5.0%
-41.9% YoY-14.7% QoQ
 -13.7% 18.8%
-2.8% YoY
 9.5%
-6.9% YoY
 7.9%
-2.9% YoY
 Bottom 24.5% in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#153 of 264 • Top 21.0% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 3.80%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Relationship Depth Leader

growth
#204 of 264 • Top 28.1% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 3.80%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.3K
(Tier: $3.1K, National: $2.0K)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Concerns (5)

Credit Quality Pressure

risk
#94 of 217 • Bottom 12.2% in tier

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

Why This Signature
Delinquency Change (YoY): 0.15% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank worsening

Growth-at-Risk

risk
#128 of 161 • Bottom 22.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 1.30%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 0.15% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 CUs YoY | Rank improving

Stagnation Risk

risk
#58 of 85 • Bottom 23.8% 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: 0.71%
(Tier: 0.71%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -0.64%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $25.0K
(Tier: $29.2K, National: $19.4K)
worse than tier avg
CD Concentration: 22.43%
(Tier: 28.98%, National: 19.60%)
but better than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 CUs YoY | New qualifier

Liquidity Strain

risk
#153 of 183 • Bottom 29.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 93.04%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 1.30%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY | Rank worsening

Membership Headwinds

decline
#78 of 85 • Bottom 32.2% in tier

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

Why This Signature
Member Growth (YoY): -0.64%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 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)

Comparing against 304 peers in tier

Top Strengths (6 metrics)

13
Total Members
engagement
Value: 178,768
Peer Avg: 98,678
#13 of 304 Top 3.9% in 1B-3B tier
15
Total Loans
balance_sheet
Value: $2.15B
Peer Avg: $1.23B
#15 of 304 Top 4.6% in 1B-3B tier
19
Total Deposits
balance_sheet
Value: $2.31B
Peer Avg: $1.45B
#19 of 304 Top 5.9% in 1B-3B tier
26
Total Assets
balance_sheet
Value: $2.65B
Peer Avg: $1.72B
#26 of 304 Top 8.2% in 1B-3B tier
69
Share Certificate Concentration (%)
balance_sheet
Value: 22.43%
Peer Avg: 28.53%
#69 of 304 Top 22.4% in 1B-3B tier
76
Members Per Employee (MPE)
engagement
Value: 408.146
Peer Avg: 364.953
#76 of 304 Top 24.7% in 1B-3B tier

Top Weaknesses (3 metrics)

269
First Mortgage Concentration (%)
balance_sheet
Value: 50.73%
Peer Avg: 34.01%
#269 of 304 Bottom 11.8% in 1B-3B tier
231
Member Growth Rate
growth
Value: -0.64%
Peer Avg: 2.20%
#231 of 304 Bottom 24.3% in 1B-3B tier
229
Net Charge-Off Rate
risk
Value: 0.79%
Peer Avg: 0.60%
#229 of 304 Bottom 25.0% in 1B-3B tier