LOUVIERS
Charter #18765 | DE
100M-500M
(1077 CUs)
Micro
($0-$500M)
5 100M-500M in DE
LOUVIERS has 5 strengths but faces 18 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 32.2% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 1.9% in tier
- + Net Worth Ratio: Top 5.8% in tier
- + Share Certificate Concentration (%): Top 6.2% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 0.8% in tier
- - Accelerating Exit Risk: Bottom 3.0% in tier
- - Efficiency Drag: Bottom 4.2% in tier
- - Shrinking Wallet Share: Bottom 7.9% in tier
- - Membership Headwinds: Bottom 14.4% in tier
- - Institutional Decline: Bottom 19.1% in tier
- - Stagnation Risk: Bottom 30.8% in tier
- - ROA 0.71% below tier average
- - Efficiency ratio 17.29% above tier (higher cost structure)
- - Member decline: -2.9% YoY
- - Loan-to-Member Ratio (LMR): Bottom 0.9% in tier
- - Loan-to-Share Ratio: Bottom 1.5% in tier
- - Deposit Growth Rate: Bottom 1.7% in tier
- - Asset Growth Rate: Bottom 1.9% in tier
- - Fee Income Per Member: Bottom 3.8% in tier
- - AMR Growth Rate: Bottom 5.7% in tier
- - Net Interest Margin (NIM): Bottom 7.5% in tier
- - Total Loans: Bottom 8.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (DE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
16,594
-2.9% YoY-0.2% QoQ
|
+965 |
15,628
-3.4% YoY
|
17,253
+10.0% YoY
|
33,089
+6.1% YoY
|
64th in tier |
| Assets |
$220.3M
-6.9% YoY-0.1% QoQ
|
$-11.0M |
$231.3M
-0.0% YoY
|
$195.2M
+8.0% YoY
|
$547.7M
+7.8% YoY
|
57th in tier |
| Loans |
$57.7M
-2.8% YoY-1.1% QoQ
|
$-90.1M |
$147.8M
-1.4% YoY
|
$121.5M
+9.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 8.4% in tier |
| Deposits |
$201.5M
-8.1% YoY-1.9% QoQ
|
+$1.2M |
$200.3M
-0.0% YoY
|
$172.1M
+8.7% YoY
|
$464.6M
+9.3% YoY
|
60th in tier |
| ROA |
0.1%
-61.9% YoY-211.9% QoQ
|
-0.7% |
0.8%
+15.5% YoY
|
2.8%
+77.8% YoY
|
0.7%
+273.4% YoY
|
Bottom 8.9% in tier |
| NIM |
2.6%
+9.8% YoY+2.9% QoQ
|
-1.0% |
3.6%
+6.9% YoY
|
3.3%
+6.1% YoY
|
3.7%
+5.0% YoY
|
Bottom 7.4% in tier |
| Efficiency Ratio |
94.6%
+3.4% YoY-3.1% QoQ
|
+17.3% |
77.3%
-3.0% YoY
|
77.7%
-4.8% YoY
|
79.1%
-3.3% YoY
|
Top 5.2% in tier |
| Delinquency Rate |
0.4%
-32.3% YoY-30.5% QoQ
|
-0.5 |
0.9%
+7.6% YoY
|
2.7%
+22.3% YoY
|
1.2%
-0.9% YoY
|
Bottom 23.2% in tier |
| Loan To Share |
28.6%
+5.8% YoY+0.9% QoQ
|
-44.1% |
72.7%
-1.5% YoY
|
48.0%
+0.7% YoY
|
68.0%
-1.7% YoY
|
Bottom 1.4% in tier |
| AMR |
$15,620
-4.2% YoY-1.5% QoQ
|
$-9K |
$24,363
+2.9% YoY
|
$13,877
+1.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 12.3% in tier |
| CD Concentration |
6.8%
-43.2% YoY-2.8% QoQ
|
-17.6% |
24.4%
+4.2% YoY
|
12.6%
+3.7% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
7.8%
-5.9% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (1)
Emerging Performer
growth
#605 of 627 • Top 32.2% in tier
Profitable credit union with positive returns. May represent growth potential worth exploring.
Why This Signature
Return on Assets:
0.07%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
-2.89%
(Tier:
0.88%, National:
9.37%)
627 of 1077 Community CUs have this signature
| 852 nationally
↑ Growing
+13 CUs YoY
|
Rank worsening
Concerns (7)
Liquidity Overhang
risk
#13 of 552 • Bottom 0.8% 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:
17.49%
(Tier:
11.95%, National:
14.51%)
Loan-to-Share Ratio:
28.65%
(Tier:
74.56%, National:
67.96%)
552 of 1077 Community CUs have this signature
| 691 nationally
↑ Growing
+65 CUs YoY
|
Rank improving
Accelerating Exit Risk
decline
#9 of 58 • Bottom 3.0% in tier
Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Why This Signature
Member Growth (YoY):
-2.89%
(Tier:
0.88%, National:
9.37%)
AMR Growth (YoY):
-4.22%
(Tier:
3.68%, National:
4.19%)
58 of 1077 Community CUs have this signature
| 73 nationally
↓ Shrinking
-89 CUs YoY
|
Rank improving
Efficiency Drag
risk
#76 of 521 • Bottom 4.2% in tier
High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Why This Signature
Efficiency Ratio:
94.57%
(Tier:
77.15%, National:
79.10%)
ROA Change (YoY):
-0.12% points
(Tier:
0.11% points, National:
0.05% points)
Member Growth (YoY):
-2.89%
(Tier:
0.88%, National:
9.37%)
521 of 1077 Community CUs have this signature
| 624 nationally
↓ Shrinking
-113 CUs YoY
|
Rank improving
Shrinking Wallet Share
decline
#80 of 244 • Bottom 7.9% in tier
Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Why This Signature
AMR Growth (YoY):
-4.22%
(Tier:
3.68%, National:
4.19%)
244 of 1077 Community CUs have this signature
| 346 nationally
↓ Shrinking
-221 CUs YoY
|
Rank improving
Membership Headwinds
decline
#238 of 550 • Bottom 14.4% in tier
Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Why This Signature
Member Growth (YoY):
-2.89%
(Tier:
0.88%, National:
9.37%)
550 of 1077 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
Rank improving
Institutional Decline
decline
#151 of 256 • Bottom 19.1% in tier
Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Why This Signature
Total Assets:
$220.28M
(Tier: $231.30M, National: $547.69M)
Member Growth (YoY):
-2.89%
(Tier:
0.88%, National:
9.37%)
Loan Growth (YoY):
-2.82%
(Tier:
3.64%, National:
36.38%)
256 of 1077 Community CUs have this signature
| 293 nationally
↓ Shrinking
-43 CUs YoY
|
New qualifier
Stagnation Risk
risk
#507 of 550 • Bottom 30.8% 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:
0.07%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
-2.89%
(Tier:
0.88%, National:
9.37%)
Avg Member Relationship:
$15.6K
(Tier: $25.0K, National: $19.4K)
CD Concentration:
6.85%
(Tier:
24.41%, National:
19.60%)
550 of 1077 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 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 (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 13.34%
#1 of 1077
Top 0.0% in 100M-500M tier
21
Members Per Employee (MPE)
engagement
Value:
614.593
Peer Avg: 332.881
#21 of 1077
Top 1.9% in 100M-500M tier
64
Net Worth Ratio
risk
Value:
17.49%
Peer Avg: 12.15%
#64 of 1077
Top 5.8% in 100M-500M tier
68
Share Certificate Concentration (%)
balance_sheet
Value:
6.85%
Peer Avg: 23.61%
#68 of 1077
Top 6.2% in 100M-500M tier
251
Total Delinquency Rate (60+ days)
risk
Value:
0.36%
Peer Avg: 0.86%
#251 of 1077
Top 23.2% in 100M-500M tier
Top Weaknesses (13 metrics)
1068
Loan-to-Member Ratio (LMR)
engagement
Value:
$3,478
Peer Avg: $10,245
#1068 of 1077
Bottom 0.9% in 100M-500M tier
1062
Loan-to-Share Ratio
balance_sheet
Value:
28.65%
Peer Avg: 72.70%
#1062 of 1077
Bottom 1.5% in 100M-500M tier
1060
Deposit Growth Rate
growth
Value:
-8.11%
Peer Avg: 4.69%
#1060 of 1077
Bottom 1.7% in 100M-500M tier
1058
Asset Growth Rate
growth
Value:
-6.87%
Peer Avg: 4.70%
#1058 of 1077
Bottom 1.9% in 100M-500M tier
1037
Fee Income Per Member
profitability
Value:
$63.60
Peer Avg: $174.31
#1037 of 1077
Bottom 3.8% in 100M-500M tier
1022
Efficiency Ratio
profitability
Value:
94.57%
Peer Avg: 77.28%
#1022 of 1077
Bottom 5.2% in 100M-500M tier
1017
AMR Growth Rate
growth
Value:
-4.22%
Peer Avg: 3.64%
#1017 of 1077
Bottom 5.7% in 100M-500M tier
997
Net Interest Margin (NIM)
profitability
Value:
2.58%
Peer Avg: 3.58%
#997 of 1077
Bottom 7.5% in 100M-500M tier
986
Total Loans
balance_sheet
Value:
$57.72M
Peer Avg: $147.80M
#986 of 1077
Bottom 8.5% in 100M-500M tier
981
Return on Assets (ROA)
profitability
Value:
0.07%
Peer Avg: 0.79%
#981 of 1077
Bottom 9.0% in 100M-500M tier