MONTELL
Charter #20228 | LA
<100M
(2596 CUs)
Micro
($0-$500M)
108 <100M in LA
MONTELL has 5 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Deposit Growth Rate: Top 1.3% in tier
- + Loan-to-Share Ratio: Top 3.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.45% below tier average
- - Efficiency ratio 11.51% above tier (higher cost structure)
- - Delinquency rate 2.64% above tier average
- - Total Delinquency Rate (60+ days): Bottom 7.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
682
+0.4% YoY-0.1% QoQ
|
-1.9K |
2,625
-2.2% YoY
|
9,352
+2.6% YoY
|
33,089
+6.1% YoY
|
Bottom 19.1% in tier |
| Assets |
$5.2M
-3.5% YoY-0.7% QoQ
|
$-24.7M |
$29.9M
+1.1% YoY
|
$121.4M
+4.9% YoY
|
$547.7M
+7.8% YoY
|
Bottom 19.9% in tier |
| Loans |
$4.2M
-14.7% YoY-7.7% QoQ
|
$-11.6M |
$15.8M
-2.4% YoY
|
$86.9M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
30th in tier |
| Deposits |
$4.1M
+24.3% YoY-0.8% QoQ
|
$-21.4M |
$25.5M
+0.4% YoY
|
$103.9M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 19.6% in tier |
| ROA |
0.2%
-119.9% YoY-17.7% QoQ
|
-0.4% |
0.7%
-731.4% YoY
|
0.5%
+1.1% YoY
|
0.7%
+273.4% YoY
|
26th in tier |
| NIM |
3.3%
+175.7% YoY+1.9% QoQ
|
-0.6% |
3.9%
+3.8% YoY
|
4.3%
+3.2% YoY
|
3.7%
+5.0% YoY
|
28th in tier |
| Efficiency Ratio |
92.9%
-52.7% YoY+1.8% QoQ
|
+11.5% |
81.4%
-2.4% YoY
|
82.9%
-3.6% YoY
|
79.1%
-3.3% YoY
|
Top 19.1% in tier |
| Delinquency Rate |
4.1%
+335.4% YoY+76.7% QoQ
|
+2.6 |
1.5%
-2.0% YoY
|
1.8%
-12.2% YoY
|
1.2%
-0.9% YoY
|
Top 7.9% in tier |
| Loan To Share |
102.3%
-31.4% YoY-7.0% QoQ
|
+41.1% |
61.2%
-3.0% YoY
|
70.9%
-2.6% YoY
|
68.0%
-1.7% YoY
|
Top 3.3% in tier |
| AMR |
$12,172
+0.5% YoY-4.3% QoQ
|
$-2K |
$14,627
-2.7% YoY
|
$13,297
+2.9% YoY
|
$19,418
+1.3% YoY
|
40th in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
15.0%
+9.1% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
5.3%
+10.6% 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 (6 metrics)
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
36
Deposit Growth Rate
growth
Value:
24.32%
Peer Avg: 16.80%
#36 of 2596
Top 1.3% in <100M tier
81
Loan-to-Share Ratio
balance_sheet
Value:
102.29%
Peer Avg: 61.23%
#81 of 2596
Top 3.1% in <100M tier
544
Net Worth Ratio
risk
Value:
20.39%
Peer Avg: 16.43%
#544 of 2596
Top 20.9% in <100M tier
Top Weaknesses (9 metrics)
2392
Total Delinquency Rate (60+ days)
risk
Value:
4.15%
Peer Avg: 1.51%
#2392 of 2596
Bottom 7.9% in <100M tier
2334
Net Charge-Off Rate
risk
Value:
1.33%
Peer Avg: 0.57%
#2334 of 2596
Bottom 10.1% in <100M tier
2300
Fee Income Per Member
profitability
Value:
$2.95
Peer Avg: $182.96
#2300 of 2596
Bottom 11.4% in <100M tier
2293
Loan Growth Rate
growth
Value:
-14.75%
Peer Avg: 59.01%
#2293 of 2596
Bottom 11.7% in <100M tier
2101
Efficiency Ratio
profitability
Value:
92.91%
Peer Avg: 81.39%
#2101 of 2596
Bottom 19.1% in <100M tier
2099
Total Members
engagement
Value:
682
Peer Avg: 2,626
#2099 of 2596
Bottom 19.2% in <100M tier
2093
Asset Growth Rate
growth
Value:
-3.55%
Peer Avg: 1.82%
#2093 of 2596
Bottom 19.4% in <100M tier
2087
Total Deposits
balance_sheet
Value:
$4.10M
Peer Avg: $25.45M
#2087 of 2596
Bottom 19.6% in <100M tier
2080
Total Assets
balance_sheet
Value:
$5.18M
Peer Avg: $29.86M
#2080 of 2596
Bottom 19.9% in <100M tier