FARMERS BRANCH CITY EMPLOYEES
Charter #20303 | TX
<100M
(2596 CUs)
Micro
($0-$500M)
245 <100M in TX
FARMERS BRANCH CITY EMPLOYEES has 3 strengths but faces 8 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
- + AMR Growth Rate: Top 0.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.55% below tier average
- - Efficiency ratio 12.30% above tier (higher cost structure)
- - Delinquency rate 6.52% above tier average
- - Member decline: -47.4% YoY
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Member Growth Rate: Bottom 0.5% in tier
- - Total Delinquency Rate (60+ days): Bottom 2.9% in tier
- - Share Certificate Concentration (%): Bottom 3.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
450
-47.4% YoY+4.7% QoQ
|
-2.2K |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
Bottom 12.5% in tier |
| Assets |
$4.9M
+1.1% YoY-2.3% QoQ
|
$-24.9M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
Bottom 18.9% in tier |
| Loans |
$1.9M
-6.8% YoY-6.3% QoQ
|
$-13.9M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 17.0% in tier |
| Deposits |
$3.9M
+1.5% YoY-2.9% QoQ
|
$-21.6M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
Bottom 18.8% in tier |
| ROA |
0.1%
-3.3% YoY-31.8% QoQ
|
-0.6% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 21.0% in tier |
| NIM |
3.7%
+9.9% YoY+2.4% QoQ
|
-0.2% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
44th in tier |
| Efficiency Ratio |
93.7%
-2.7% YoY+3.0% QoQ
|
+12.3% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
Top 18.1% in tier |
| Delinquency Rate |
8.0%
-12.9% YoY+106.2% QoQ
|
+6.5 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
Top 2.9% in tier |
| Loan To Share |
48.6%
-8.1% YoY-3.5% QoQ
|
-12.6% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
30th in tier |
| AMR |
$12,872
+87.6% YoY-8.3% QoQ
|
$-2K |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
45th in tier |
| CD Concentration |
49.3%
+16.8% YoY+12.3% QoQ
|
+24.8% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
7.2%
-0.2% 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 (4 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
6
AMR Growth Rate
growth
Value:
87.61%
Peer Avg: 4.67%
#6 of 2596
Top 0.2% in <100M tier
507
Net Worth Ratio
risk
Value:
20.90%
Peer Avg: 16.43%
#507 of 2596
Top 19.5% in <100M tier
Top Weaknesses (10 metrics)
2596
Members Per Employee (MPE)
engagement
Value:
-
Peer Avg: 365.701
#2596 of 2596
Bottom 0.0% in <100M tier
2583
Member Growth Rate
growth
Value:
-47.43%
Peer Avg: 14.92%
#2583 of 2596
Bottom 0.5% in <100M tier
2523
Total Delinquency Rate (60+ days)
risk
Value:
8.03%
Peer Avg: 1.51%
#2523 of 2596
Bottom 2.9% in <100M tier
2500
Share Certificate Concentration (%)
balance_sheet
Value:
49.25%
Peer Avg: 15.37%
#2500 of 2596
Bottom 3.7% in <100M tier
2271
Total Members
engagement
Value:
450
Peer Avg: 2,626
#2271 of 2596
Bottom 12.6% in <100M tier
2154
Total Loans
balance_sheet
Value:
$1.89M
Peer Avg: $15.77M
#2154 of 2596
Bottom 17.1% in <100M tier
2128
Efficiency Ratio
profitability
Value:
93.69%
Peer Avg: 81.39%
#2128 of 2596
Bottom 18.1% in <100M tier
2107
Total Deposits
balance_sheet
Value:
$3.90M
Peer Avg: $25.45M
#2107 of 2596
Bottom 18.9% in <100M tier
2106
Total Assets
balance_sheet
Value:
$4.93M
Peer Avg: $29.86M
#2106 of 2596
Bottom 18.9% in <100M tier
2052
Return on Assets (ROA)
profitability
Value:
0.13%
Peer Avg: 0.68%
#2052 of 2596
Bottom 21.0% in <100M tier