ASA
Charter #21190 | CT
<100M
(2596 CUs)
Micro
($0-$500M)
45 <100M in CT
ASA has 4 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.57% above tier average
- + Net Interest Margin 1.02% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 4.11% above tier average
- - Member decline: -3.7% YoY
- - Total Delinquency Rate (60+ days): Bottom 5.2% in tier
- - Net Worth Ratio: Bottom 8.4% in tier
- - Net Charge-Off Rate: Bottom 9.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,082
-3.7% YoY-0.5% QoQ
|
-1.5K |
2,625
-2.2% YoY
|
13,754
+3.9% YoY
|
33,089
+6.1% YoY
|
30th in tier |
| Assets |
$11.7M
+0.6% YoY+15.7% QoQ
|
$-18.1M |
$29.9M
+1.1% YoY
|
$223.0M
+8.2% YoY
|
$547.7M
+7.8% YoY
|
36th in tier |
| Loans |
$3.8M
-1.7% YoY-0.3% QoQ
|
$-11.9M |
$15.8M
-2.4% YoY
|
$129.0M
+9.8% YoY
|
$388.7M
+8.6% YoY
|
28th in tier |
| Deposits |
$10.7M
-0.6% YoY+16.5% QoQ
|
$-14.8M |
$25.5M
+0.4% YoY
|
$195.5M
+7.9% YoY
|
$464.6M
+9.3% YoY
|
38th in tier |
| ROA |
1.3%
+16.9% YoY+29.6% QoQ
|
+0.6% |
0.7%
-731.4% YoY
|
0.4%
-140.5% YoY
|
0.7%
+273.4% YoY
|
72nd in tier |
| NIM |
5.0%
+9.3% YoY+0.6% QoQ
|
+1.0% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
Top 15.1% in tier |
| Efficiency Ratio |
64.3%
-2.2% YoY-1.0% QoQ
|
-17.1% |
81.4%
-2.4% YoY
|
85.8%
+0.7% YoY
|
79.1%
-3.3% YoY
|
Bottom 20.3% in tier |
| Delinquency Rate |
5.6%
+88.6% YoY+32.9% QoQ
|
+4.1 |
1.5%
-2.0% YoY
|
1.2%
+0.2% YoY
|
1.2%
-0.9% YoY
|
Top 5.2% in tier |
| Loan To Share |
36.0%
-1.1% YoY-14.4% QoQ
|
-25.2% |
61.2%
-3.0% YoY
|
56.5%
+1.7% YoY
|
68.0%
-1.7% YoY
|
Bottom 15.0% in tier |
| AMR |
$13,431
+2.9% YoY+12.0% QoQ
|
$-1K |
$14,627
-2.7% YoY
|
$16,763
+4.9% YoY
|
$19,418
+1.3% YoY
|
48th in tier |
| CD Concentration |
12.0%
+3.0% YoY-10.8% QoQ
|
-12.4% |
24.4%
+4.2% YoY
|
14.4%
+16.9% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
5.3%
-6.5% 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
393
Net Interest Margin (NIM)
profitability
Value:
4.96%
Peer Avg: 3.93%
#393 of 2596
Top 15.1% in <100M tier
528
Efficiency Ratio
profitability
Value:
64.29%
Peer Avg: 81.39%
#528 of 2596
Top 20.3% in <100M tier
Top Weaknesses (4 metrics)
2463
Total Delinquency Rate (60+ days)
risk
Value:
5.62%
Peer Avg: 1.51%
#2463 of 2596
Bottom 5.2% in <100M tier
2379
Net Worth Ratio
risk
Value:
8.80%
Peer Avg: 16.43%
#2379 of 2596
Bottom 8.4% in <100M tier
2341
Net Charge-Off Rate
risk
Value:
1.37%
Peer Avg: 0.57%
#2341 of 2596
Bottom 9.9% in <100M tier
2202
Loan-to-Share Ratio
balance_sheet
Value:
36.01%
Peer Avg: 61.23%
#2202 of 2596
Bottom 15.2% in <100M tier