PURDUE

Charter #19307 | IN

1B-3B (304 CUs) Mid-Market (380 CUs)
11 1B-3B in IN

PURDUE has 7 strengths but faces 1 concern

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 14.0% in tier
  • + Organic Growth Leader: Top 20.4% in tier
  • + Relationship Depth Leader: Top 26.2% in tier
  • + Wallet Share Momentum: Top 34.8% in tier
  • + ROA 0.14% above tier average
  • + Total Delinquency Rate (60+ days): Top 3.3% in tier
  • + Net Charge-Off Rate: Top 7.6% in tier

Key Concerns

Areas that may need attention

  • - Efficiency ratio 4.44% above tier (higher cost structure)

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Members 110,680
+2.9% YoY+0.7% QoQ
 +12.0K 98,678
-1.9% YoY
 22,637
+3.1% YoY
 33,089
+6.1% YoY
 66th in tier
Assets $2.1B
+6.1% YoY+0.2% QoQ
 +$336.2M $1.7B
+0.5% YoY
 $383.9M
+8.8% YoY
 $547.7M
+7.8% YoY
 70th in tier
Loans $1.5B
+1.1% YoY+0.8% QoQ
 +$257.0M $1.2B
+0.5% YoY
 $276.9M
+7.4% YoY
 $388.7M
+8.6% YoY
 73rd in tier
Deposits $1.8B
+6.3% YoY-0.5% QoQ
 +$310.8M $1.5B
+1.3% YoY
 $323.0M
+10.5% YoY
 $464.6M
+9.3% YoY
 72nd in tier
ROA 0.8%
+41.2% YoY+29.0% QoQ
 +0.1% 0.7%
+13.4% YoY
 0.9%
+24.5% YoY
 0.7%
+273.4% YoY
 66th in tier
NIM 3.0%
+6.0% YoY+2.0% QoQ
 -0.2% 3.3%
+9.3% YoY
 3.8%
+8.0% YoY
 3.7%
+5.0% YoY
 28th in tier
Efficiency Ratio 78.4%
-4.2% YoY-3.3% QoQ
 +4.4% 74.0%
-10.9% YoY
 77.7%
-3.5% YoY
 79.1%
-3.3% YoY
 66th in tier
Delinquency Rate 0.1%
-21.6% YoY+11.2% QoQ
 -0.7 0.8%
+6.1% YoY
 1.3%
+19.3% YoY
 1.2%
-0.9% YoY
 Bottom 3.3% in tier
Loan To Share 84.4%
-4.9% YoY+1.3% QoQ
 -0.8% 85.2%
-0.8% YoY
 69.6%
-2.1% YoY
 68.0%
-1.7% YoY
 39th in tier
AMR $29,411
+0.9% YoY-0.6% QoQ
 +$238 $29,172
+2.8% YoY
 $18,326
+4.3% YoY
 $19,418
+1.3% YoY
 62nd in tier
CD Concentration 18.6%
+1.6% YoY+2.7% QoQ
 -10.4% 29.0%
+0.8% YoY
 19.0%
+9.9% YoY
 19.6%
+6.2% YoY
 Bottom 10.6% in tier
Indirect Auto % 0.4%
-12.6% YoY+6.2% QoQ
 -18.4% 18.8%
-2.8% YoY
 11.0%
-3.5% YoY
 7.9%
-2.9% YoY
 Bottom 15.3% in tier

Signature Analysis

Strengths (4)

Organic Growth Engine

growth
#102 of 246 • Top 14.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.90%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
Return on Assets: 0.84%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 0.45%
(Tier: 18.80%, National: 7.90%)
better than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank worsening

Organic Growth Leader

growth
#81 of 138 • Top 20.4% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 2.90%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
138 of 380 Mid-Market CUs have this signature | 608 nationally
↑ Growing +11 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#190 of 264 • Top 26.2% in tier

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

Why This Signature
AMR Growth (YoY): 0.93%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $3.4K
(Tier: $3.1K, National: $2.0K)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#252 of 264 • Top 34.8% in tier

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

Why This Signature
AMR Growth (YoY): 0.93%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

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 304 peers in tier

Top Strengths (4 metrics)

11
Total Delinquency Rate (60+ days)
risk
Value: 0.14%
Peer Avg: 0.83%
#11 of 304 Top 3.3% in 1B-3B tier
24
Net Charge-Off Rate
risk
Value: 0.12%
Peer Avg: 0.60%
#24 of 304 Top 7.6% in 1B-3B tier
34
Share Certificate Concentration (%)
balance_sheet
Value: 18.61%
Peer Avg: 28.53%
#34 of 304 Top 10.9% in 1B-3B tier
52
Indirect Auto Concentration (%)
balance_sheet
Value: 0.45%
Peer Avg: 18.32%
#52 of 304 Top 16.8% in 1B-3B tier

Top Weaknesses (1 metrics)

262
First Mortgage Concentration (%)
balance_sheet
Value: 49.57%
Peer Avg: 34.01%
#262 of 304 Bottom 14.1% in 1B-3B tier