DOY

Charter #20661 | OH

<100M (2596 CUs) Micro
121 <100M in OH

DOY has 5 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Share Certificate Concentration (%): Top 0.0% in tier
  • + Average Member Relationship (AMR): Top 1.2% in tier
  • + AMR Growth Rate: Top 4.0% in tier
  • + Loan-to-Member Ratio (LMR): Top 4.4% in tier

Key Concerns

Areas that may need attention

  • - ROA 0.23% below tier average
  • - Member decline: -7.5% YoY
  • - Net Interest Margin (NIM): Bottom 1.0% in tier
  • - First Mortgage Concentration (%): Bottom 1.1% in tier
  • - Member Growth Rate: Bottom 9.5% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Members 2,117
-7.5% YoY-0.9% QoQ
 -508 2,625
-2.2% YoY
 16,553
+5.8% YoY
 33,089
+6.1% YoY
 54th in tier
Assets $66.8M
+8.2% YoY-0.1% QoQ
 +$37.0M $29.9M
+1.1% YoY
 $245.2M
+8.8% YoY
 $547.7M
+7.8% YoY
 Top 13.4% in tier
Loans $25.7M
+3.5% YoY+0.8% QoQ
 +$10.0M $15.8M
-2.4% YoY
 $170.6M
+8.7% YoY
 $388.7M
+8.6% YoY
 Top 22.3% in tier
Deposits $57.2M
+9.1% YoY-0.2% QoQ
 +$31.7M $25.5M
+0.4% YoY
 $209.1M
+9.7% YoY
 $464.6M
+9.3% YoY
 Top 13.6% in tier
ROA 0.4%
-23.5% YoY-8.7% QoQ
 -0.2% 0.7%
-731.4% YoY
 0.5%
-7.3% YoY
 0.7%
+273.4% YoY
 34th in tier
NIM 1.2%
-14.2% YoY-2.2% QoQ
 -2.7% 3.9%
+3.8% YoY
 3.7%
+3.3% YoY
 3.7%
+5.0% YoY
 Bottom 0.9% in tier
Efficiency Ratio 64.1%
+8.3% YoY+4.2% QoQ
 -17.3% 81.4%
-2.4% YoY
 83.9%
+3.6% YoY
 79.1%
-3.3% YoY
 Bottom 19.9% in tier
Delinquency Rate 0.0%
-34.5% YoY+11.9% QoQ
 -1.5 1.5%
-2.0% YoY
 1.5%
+29.9% YoY
 1.2%
-0.9% YoY
 Bottom 16.9% in tier
Loan To Share 45.0%
-5.1% YoY+1.0% QoQ
 -16.2% 61.2%
-3.0% YoY
 63.8%
-2.4% YoY
 68.0%
-1.7% YoY
 25th in tier
AMR $39,173
+16.0% YoY+1.0% QoQ
 +$25K $14,627
-2.7% YoY
 $17,099
+5.9% YoY
 $19,418
+1.3% YoY
 Top 1.2% in tier
CD Concentration 0.0% -24.4% 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)

Comparing against 2596 peers in tier

Top Strengths (12 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 2.84%
#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
32
Average Member Relationship (AMR)
engagement
Value: $39,173
Peer Avg: $14,627
#32 of 2596 Top 1.2% in <100M tier
104
AMR Growth Rate
growth
Value: 16.00%
Peer Avg: 4.67%
#104 of 2596 Top 4.0% in <100M tier
116
Loan-to-Member Ratio (LMR)
engagement
Value: $12,161
Peer Avg: $5,488
#116 of 2596 Top 4.4% in <100M tier
278
Deposit Growth Rate
growth
Value: 9.13%
Peer Avg: 16.80%
#278 of 2596 Top 10.7% in <100M tier
322
Asset Growth Rate
growth
Value: 8.21%
Peer Avg: 1.82%
#322 of 2596 Top 12.4% in <100M tier
349
Total Assets
balance_sheet
Value: $66.84M
Peer Avg: $29.86M
#349 of 2596 Top 13.4% in <100M tier
354
Total Deposits
balance_sheet
Value: $57.18M
Peer Avg: $25.45M
#354 of 2596 Top 13.6% in <100M tier
439
Total Delinquency Rate (60+ days)
risk
Value: 0.05%
Peer Avg: 1.51%
#439 of 2596 Top 16.9% in <100M tier

Top Weaknesses (4 metrics)

2572
Net Interest Margin (NIM)
profitability
Value: 1.22%
Peer Avg: 3.93%
#2572 of 2596 Bottom 1.0% in <100M tier
2569
First Mortgage Concentration (%)
balance_sheet
Value: 82.72%
Peer Avg: 14.49%
#2569 of 2596 Bottom 1.1% in <100M tier
2350
Member Growth Rate
growth
Value: -7.47%
Peer Avg: 14.92%
#2350 of 2596 Bottom 9.5% in <100M tier
2104
Fee Income Per Member
profitability
Value: $10.25
Peer Avg: $182.96
#2104 of 2596 Bottom 19.0% in <100M tier