FO ME BO CO
Charter #19432 | IN
<100M
(2596 CUs)
Micro
($0-$500M)
82 <100M in IN
FO ME BO CO has 8 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.31% above tier average
- + Net Interest Margin 0.36% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 8.3% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Fee Income Per Member: Bottom 0.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
684
+0.6% YoY-0.7% QoQ
|
-1.9K |
2,625
-2.2% YoY
|
22,637
+3.1% YoY
|
33,089
+6.1% YoY
|
Bottom 19.3% in tier |
| Assets |
$4.3M
-4.2% YoY-1.0% QoQ
|
$-25.5M |
$29.9M
+1.1% YoY
|
$383.9M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
Bottom 17.1% in tier |
| Loans |
$2.6M
+0.1% YoY+0.7% QoQ
|
$-13.2M |
$15.8M
-2.4% YoY
|
$276.9M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
Bottom 21.2% in tier |
| Deposits |
$3.7M
-6.2% YoY-1.6% QoQ
|
$-21.7M |
$25.5M
+0.4% YoY
|
$323.0M
+10.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 18.3% in tier |
| ROA |
2.0%
+47.1% YoY-1.0% QoQ
|
+1.3% |
0.7%
-731.4% YoY
|
0.9%
+24.5% YoY
|
0.7%
+273.4% YoY
|
Top 9.1% in tier |
| NIM |
4.3%
+19.0% YoY+1.7% QoQ
|
+0.4% |
3.9%
+3.8% YoY
|
3.8%
+8.0% YoY
|
3.7%
+5.0% YoY
|
66th in tier |
| Efficiency Ratio |
53.6%
-13.9% YoY+0.3% QoQ
|
-27.8% |
81.4%
-2.4% YoY
|
77.7%
-3.5% YoY
|
79.1%
-3.3% YoY
|
Bottom 8.3% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
1.3%
+19.3% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
69.4%
+6.8% YoY+2.4% QoQ
|
+8.2% |
61.2%
-3.0% YoY
|
69.6%
-2.1% YoY
|
68.0%
-1.7% YoY
|
62nd in tier |
| AMR |
$9,200
-4.3% YoY+0.1% QoQ
|
$-5K |
$14,627
-2.7% YoY
|
$18,326
+4.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 24.9% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
19.0%
+9.9% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
11.0%
-3.5% 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)
Top Strengths (7 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: 1.51%
#1 of 2596
Top 0.0% in <100M tier
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
217
Efficiency Ratio
profitability
Value:
53.62%
Peer Avg: 81.39%
#217 of 2596
Top 8.3% in <100M tier
237
Return on Assets (ROA)
profitability
Value:
2.00%
Peer Avg: 0.68%
#237 of 2596
Top 9.1% 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
Top Weaknesses (9 metrics)
2576
Fee Income Per Member
profitability
Value:
$-0.01
Peer Avg: $182.96
#2576 of 2596
Bottom 0.8% in <100M tier
2242
Deposit Growth Rate
growth
Value:
-6.24%
Peer Avg: 16.80%
#2242 of 2596
Bottom 13.7% in <100M tier
2166
Asset Growth Rate
growth
Value:
-4.23%
Peer Avg: 1.82%
#2166 of 2596
Bottom 16.6% in <100M tier
2152
Total Assets
balance_sheet
Value:
$4.31M
Peer Avg: $29.86M
#2152 of 2596
Bottom 17.1% in <100M tier
2121
Total Deposits
balance_sheet
Value:
$3.71M
Peer Avg: $25.45M
#2121 of 2596
Bottom 18.3% in <100M tier
2095
AMR Growth Rate
growth
Value:
-4.30%
Peer Avg: 4.67%
#2095 of 2596
Bottom 19.3% in <100M tier
2095
Total Members
engagement
Value:
684
Peer Avg: 2,626
#2095 of 2596
Bottom 19.3% in <100M tier
2046
Total Loans
balance_sheet
Value:
$2.58M
Peer Avg: $15.77M
#2046 of 2596
Bottom 21.2% in <100M tier
1949
Average Member Relationship (AMR)
engagement
Value:
$9,200
Peer Avg: $14,627
#1949 of 2596
Bottom 25.0% in <100M tier