CHAMPION
Charter #20570 | OH
<100M
(2596 CUs)
Micro
($0-$500M)
121 <100M in OH
CHAMPION has 6 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.39% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Deposit Growth Rate: Top 1.2% in tier
- + Asset Growth Rate: Top 1.2% in tier
- + AMR Growth Rate: Top 4.5% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.81% above tier average
- - Member decline: -2.4% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
608
-2.4% YoY-1.5% QoQ
|
-2.0K |
2,625
-2.2% YoY
|
16,553
+5.8% YoY
|
33,089
+6.1% YoY
|
Bottom 16.5% in tier |
| Assets |
$7.1M
+22.6% YoY+4.5% QoQ
|
$-22.7M |
$29.9M
+1.1% YoY
|
$245.2M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
26th in tier |
| Loans |
$2.8M
-8.9% YoY+0.7% QoQ
|
$-13.0M |
$15.8M
-2.4% YoY
|
$170.6M
+8.7% YoY
|
$388.7M
+8.6% YoY
|
Bottom 22.8% in tier |
| Deposits |
$6.3M
+25.3% YoY+4.9% QoQ
|
$-19.2M |
$25.5M
+0.4% YoY
|
$209.1M
+9.7% YoY
|
$464.6M
+9.3% YoY
|
27th in tier |
| ROA |
1.1%
-26.3% YoY-11.2% QoQ
|
+0.4% |
0.7%
-731.4% YoY
|
0.5%
-7.3% YoY
|
0.7%
+273.4% YoY
|
65th in tier |
| NIM |
3.0%
-17.5% YoY-3.5% QoQ
|
-0.9% |
3.9%
+3.8% YoY
|
3.7%
+3.3% YoY
|
3.7%
+5.0% YoY
|
Bottom 18.4% in tier |
| Efficiency Ratio |
66.3%
+6.9% YoY+4.5% QoQ
|
-15.1% |
81.4%
-2.4% YoY
|
83.9%
+3.6% YoY
|
79.1%
-3.3% YoY
|
Bottom 23.8% in tier |
| Delinquency Rate |
2.3%
+394.8% YoY+46.1% QoQ
|
+0.8 |
1.5%
-2.0% YoY
|
1.5%
+29.9% YoY
|
1.2%
-0.9% YoY
|
Top 16.6% in tier |
| Loan To Share |
45.0%
-27.3% YoY-4.0% QoQ
|
-16.3% |
61.2%
-3.0% YoY
|
63.8%
-2.4% YoY
|
68.0%
-1.7% YoY
|
Bottom 25.0% in tier |
| AMR |
$14,906
+15.0% YoY+5.1% QoQ
|
+$280 |
$14,627
-2.7% YoY
|
$17,099
+5.9% YoY
|
$19,418
+1.3% YoY
|
57th in tier |
| CD Concentration |
33.1%
+233.6% YoY+3.0% QoQ
|
+8.7% |
24.4%
+4.2% YoY
|
19.2%
+8.0% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
11.2%
-0.8% 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
32
Deposit Growth Rate
growth
Value:
25.32%
Peer Avg: 16.80%
#32 of 2596
Top 1.2% in <100M tier
33
Asset Growth Rate
growth
Value:
22.57%
Peer Avg: 1.82%
#33 of 2596
Top 1.2% in <100M tier
118
AMR Growth Rate
growth
Value:
15.02%
Peer Avg: 4.67%
#118 of 2596
Top 4.5% in <100M tier
619
Efficiency Ratio
profitability
Value:
66.27%
Peer Avg: 81.39%
#619 of 2596
Top 23.8% in <100M tier
Top Weaknesses (7 metrics)
2245
Share Certificate Concentration (%)
balance_sheet
Value:
33.15%
Peer Avg: 15.37%
#2245 of 2596
Bottom 13.6% in <100M tier
2178
Members Per Employee (MPE)
engagement
Value:
202.667
Peer Avg: 365.701
#2178 of 2596
Bottom 16.1% in <100M tier
2167
Total Members
engagement
Value:
608
Peer Avg: 2,626
#2167 of 2596
Bottom 16.6% in <100M tier
2165
Total Delinquency Rate (60+ days)
risk
Value:
2.32%
Peer Avg: 1.51%
#2165 of 2596
Bottom 16.6% in <100M tier
2118
Net Interest Margin (NIM)
profitability
Value:
3.01%
Peer Avg: 3.93%
#2118 of 2596
Bottom 18.5% in <100M tier
2004
Total Loans
balance_sheet
Value:
$2.81M
Peer Avg: $15.77M
#2004 of 2596
Bottom 22.8% in <100M tier
1961
Loan Growth Rate
growth
Value:
-8.89%
Peer Avg: 59.01%
#1961 of 2596
Bottom 24.5% in <100M tier