URBAN EMPOWERMENT
Charter #20060 | NY
<100M
(2596 CUs)
Micro
($0-$500M)
188 <100M in NY
URBAN EMPOWERMENT has 9 strengths but faces 13 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.29% 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
- + Fee Income Per Member: Top 0.1% in tier
- + AMR Growth Rate: Top 1.6% in tier
- + Deposit Growth Rate: Top 7.3% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 13.88% above tier (higher cost structure)
- - Member decline: -7.9% YoY
- - Loan Growth Rate: Bottom 0.0% in tier
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Net Interest Margin (NIM): Bottom 0.5% in tier
- - Total Members: Bottom 0.7% in tier
- - Total Loans: Bottom 0.8% in tier
- - Loan-to-Share Ratio: Bottom 0.9% in tier
- - Loan-to-Member Ratio (LMR): Bottom 1.2% in tier
- - Total Deposits: Bottom 1.6% in tier
- - Total Assets: Bottom 1.8% in tier
- - Average Member Relationship (AMR): Bottom 4.4% in tier
- - Member Growth Rate: Bottom 8.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
70
-7.9% YoY0% QoQ
|
-2.6K |
2,625
-2.2% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
Bottom 0.7% in tier |
| Assets |
$313,084
-4.5% YoY-10.8% QoQ
|
$-29.5M |
$29.9M
+1.1% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
Bottom 1.8% in tier |
| Loans |
$5,765
-43.4% QoQ
|
$-15.8M |
$15.8M
-2.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 0.8% in tier |
| Deposits |
$189,100
+11.0% YoY+9.7% QoQ
|
$-25.3M |
$25.5M
+0.4% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
Bottom 1.6% in tier |
| ROA |
3.0%
-171.6% YoY-125.0% QoQ
|
+2.3% |
0.7%
-731.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
Top 2.3% in tier |
| NIM |
0.6%
-24.9% YoY+3.1% QoQ
|
-3.3% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
Bottom 0.5% in tier |
| Efficiency Ratio |
95.3%
-15.7% YoY-27.0% QoQ
|
+13.9% |
81.4%
-2.4% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Top 15.8% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
3.0%
-48.4% QoQ
|
-58.2% |
61.2%
-3.0% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 0.7% in tier |
| AMR |
$2,784
+24.2% YoY+6.8% QoQ
|
$-12K |
$14,627
-2.7% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
Bottom 4.3% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
2.6%
-3.7% 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 (9 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
3
Fee Income Per Member
profitability
Value:
$2,955
Peer Avg: $182.96
#3 of 2596
Top 0.1% in <100M tier
42
AMR Growth Rate
growth
Value:
24.18%
Peer Avg: 4.67%
#42 of 2596
Top 1.6% in <100M tier
61
Return on Assets (ROA)
profitability
Value:
2.97%
Peer Avg: 0.68%
#61 of 2596
Top 2.3% in <100M tier
191
Deposit Growth Rate
growth
Value:
10.99%
Peer Avg: 16.80%
#191 of 2596
Top 7.3% 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 (13 metrics)
2596
Loan Growth Rate
growth
Value:
-
Peer Avg: 59.01%
#2596 of 2596
Bottom 0.0% in <100M tier
2596
Members Per Employee (MPE)
engagement
Value:
-
Peer Avg: 365.701
#2596 of 2596
Bottom 0.0% in <100M tier
2584
Net Interest Margin (NIM)
profitability
Value:
0.60%
Peer Avg: 3.93%
#2584 of 2596
Bottom 0.5% in <100M tier
2578
Total Members
engagement
Value:
70
Peer Avg: 2,626
#2578 of 2596
Bottom 0.7% in <100M tier
2576
Total Loans
balance_sheet
Value:
$5,765
Peer Avg: $15.77M
#2576 of 2596
Bottom 0.8% in <100M tier
2574
Loan-to-Share Ratio
balance_sheet
Value:
3.05%
Peer Avg: 61.23%
#2574 of 2596
Bottom 0.9% in <100M tier
2567
Loan-to-Member Ratio (LMR)
engagement
Value:
$82.36
Peer Avg: $5,488
#2567 of 2596
Bottom 1.2% in <100M tier
2555
Total Deposits
balance_sheet
Value:
$189,100
Peer Avg: $25.45M
#2555 of 2596
Bottom 1.6% in <100M tier
2549
Total Assets
balance_sheet
Value:
$313,084
Peer Avg: $29.86M
#2549 of 2596
Bottom 1.8% in <100M tier
2484
Average Member Relationship (AMR)
engagement
Value:
$2,784
Peer Avg: $14,627
#2484 of 2596
Bottom 4.4% in <100M tier