ASPIRE COMMUNITY

Charter #1888 | ND

100M-500M (1077 CUs) Micro
9 100M-500M in ND

ASPIRE COMMUNITY has 9 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 11.6% in tier
  • + Relationship Depth Leader: Top 13.9% in tier
  • + Wallet Share Momentum: Top 27.4% in tier
  • + ROA 0.39% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Loan-to-Member Ratio (LMR): Top 2.0% in tier
  • + Average Member Relationship (AMR): Top 3.2% in tier
  • + Loan-to-Share Ratio: Top 5.3% in tier
  • + Net Charge-Off Rate: Top 9.0% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 5.8% in tier
  • - Liquidity Strain: Bottom 17.0% in tier
  • - Growth-at-Risk: Bottom 18.3% in tier
  • - Liquidity Overhang: Bottom 25.9% in tier
  • - First Mortgage Concentration (%): Bottom 0.6% in tier
  • - Total Members: Bottom 7.0% in tier
  • - Net Interest Margin (NIM): Bottom 8.6% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
Members 6,340
-0.3% YoY-0.2% QoQ
 -9.3K 15,628
-3.4% YoY
 7,412
-0.5% YoY
 33,089
+6.1% YoY
 Bottom 6.9% in tier
Assets $176.6M
+4.3% YoY+1.6% QoQ
 $-54.7M $231.3M
-0.0% YoY
 $201.0M
+5.9% YoY
 $547.7M
+7.8% YoY
 42nd in tier
Loans $146.9M
+1.4% YoY+0.8% QoQ
 $-860K $147.8M
-1.4% YoY
 $137.9M
+2.5% YoY
 $388.7M
+8.6% YoY
 59th in tier
Deposits $151.1M
+3.5% YoY+1.5% QoQ
 $-49.2M $200.3M
-0.0% YoY
 $165.9M
+4.4% YoY
 $464.6M
+9.3% YoY
 41st in tier
ROA 1.2%
+0.5% YoY+5.9% QoQ
 +0.4% 0.8%
+15.5% YoY
 0.9%
-6.7% YoY
 0.7%
+273.4% YoY
 Top 22.9% in tier
NIM 2.7%
+13.8% YoY+1.7% QoQ
 -0.9% 3.6%
+6.9% YoY
 3.4%
+7.4% YoY
 3.7%
+5.0% YoY
 Bottom 8.5% in tier
Efficiency Ratio 64.5%
+1.1% YoY-2.3% QoQ
 -12.8% 77.3%
-3.0% YoY
 74.0%
-24.8% YoY
 79.1%
-3.3% YoY
 Bottom 14.6% in tier
Delinquency Rate 0.7%
+251.7% YoY+683.0% QoQ
 -0.2 0.9%
+7.6% YoY
 0.9%
-3.9% YoY
 1.2%
-0.9% YoY
 51st in tier
Loan To Share 97.2%
-2.1% YoY-0.7% QoQ
 +24.5% 72.7%
-1.5% YoY
 72.0%
-4.4% YoY
 68.0%
-1.7% YoY
 Top 5.4% in tier
AMR $47,014
+2.7% YoY+1.4% QoQ
 +$23K $24,363
+2.9% YoY
 $32,427
+3.2% YoY
 $19,418
+1.3% YoY
 Top 3.2% in tier
CD Concentration 37.3%
+4.8% YoY+0.7% QoQ
 +12.9% 24.4%
+4.2% YoY
 22.4%
+2.4% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 1.1%
-2.9% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Emerging Performer

growth
#218 of 627 • Top 11.6% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 1.18%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): -0.25%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#385 of 1006 • Top 13.9% in tier

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

Why This Signature
AMR Growth (YoY): 2.70%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $4.0K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#756 of 1006 • Top 27.4% in tier

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

Why This Signature
AMR Growth (YoY): 2.70%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Concerns (4)

Credit Quality Pressure

risk
#145 of 736 • Bottom 5.8% in tier

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

Why This Signature
Delinquency Change (YoY): 0.50% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | New qualifier

Liquidity Strain

risk
#133 of 258 • Bottom 17.0% in tier

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

Why This Signature
Loan-to-Share Ratio: 97.23%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 1.38%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
258 of 1077 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | Rank worsening

Growth-at-Risk

risk
#275 of 446 • Bottom 18.3% in tier

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

Why This Signature
Loan Growth (YoY): 1.38%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 0.50% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 1077 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | New qualifier

Liquidity Overhang

risk
#401 of 552 • Bottom 25.9% 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: 14.96%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 97.23%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank worsening

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 1077 peers in tier

Top Strengths (8 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
23
Loan-to-Member Ratio (LMR)
engagement
Value: $23,176
Peer Avg: $10,245
#23 of 1077 Top 2.0% in 100M-500M tier
35
Average Member Relationship (AMR)
engagement
Value: $47,014
Peer Avg: $24,363
#35 of 1077 Top 3.2% in 100M-500M tier
58
Loan-to-Share Ratio
balance_sheet
Value: 97.23%
Peer Avg: 72.70%
#58 of 1077 Top 5.3% in 100M-500M tier
98
Net Charge-Off Rate
risk
Value: 0.06%
Peer Avg: 0.47%
#98 of 1077 Top 9.0% in 100M-500M tier
158
Efficiency Ratio
profitability
Value: 64.47%
Peer Avg: 77.28%
#158 of 1077 Top 14.6% in 100M-500M tier
166
Net Worth Ratio
risk
Value: 14.96%
Peer Avg: 12.15%
#166 of 1077 Top 15.3% in 100M-500M tier
247
Return on Assets (ROA)
profitability
Value: 1.18%
Peer Avg: 0.79%
#247 of 1077 Top 22.8% in 100M-500M tier

Top Weaknesses (4 metrics)

1072
First Mortgage Concentration (%)
balance_sheet
Value: 80.84%
Peer Avg: 30.43%
#1072 of 1077 Bottom 0.6% in 100M-500M tier
1003
Total Members
engagement
Value: 6,340
Peer Avg: 15,628
#1003 of 1077 Bottom 7.0% in 100M-500M tier
985
Net Interest Margin (NIM)
profitability
Value: 2.66%
Peer Avg: 3.58%
#985 of 1077 Bottom 8.6% in 100M-500M tier
960
Share Certificate Concentration (%)
balance_sheet
Value: 37.33%
Peer Avg: 23.61%
#960 of 1077 Bottom 11.0% in 100M-500M tier