PRIMEWAY

Charter #2131 | TX

500M-750M (169 CUs) Community (281 CUs)
16 500M-750M in TX

PRIMEWAY has 2 strengths but faces 11 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Net Interest Margin 0.16% above tier average
  • + Share Certificate Concentration (%): Top 3.0% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 2.5% in tier
  • - Deposit Outflow: Bottom 3.6% in tier
  • - Credit Quality Pressure: Bottom 9.4% in tier
  • - Liquidity Strain: Bottom 16.5% in tier
  • - Growth-at-Risk: Bottom 16.9% in tier
  • - Liquidity Overhang: Bottom 32.7% in tier
  • - ROA 0.46% below tier average
  • - Efficiency ratio 13.49% above tier (higher cost structure)
  • - Delinquency rate 0.56% above tier average
  • - Asset Growth Rate: Bottom 1.8% in tier
  • - Deposit Growth Rate: Bottom 8.3% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Members 48,909
-0.4% YoY+0.9% QoQ
 +9.2K 39,752
-2.7% YoY
 26,896
+3.7% YoY
 33,089
+6.1% YoY
 Top 16.6% in tier
Assets $721.0M
-12.2% YoY+0.4% QoQ
 +$98.6M $622.4M
+0.3% YoY
 $411.3M
+5.9% YoY
 $547.7M
+7.8% YoY
 Top 12.4% in tier
Loans $540.8M
+3.0% YoY+1.9% QoQ
 +$104.9M $435.9M
-0.4% YoY
 $295.8M
+5.3% YoY
 $388.7M
+8.6% YoY
 Top 15.4% in tier
Deposits $560.7M
-2.7% YoY-0.6% QoQ
 +$22.7M $538.0M
+1.3% YoY
 $341.5M
+6.1% YoY
 $464.6M
+9.3% YoY
 67th in tier
ROA 0.2%
-53.3% YoY+82.2% QoQ
 -0.5% 0.7%
+33.9% YoY
 0.5%
-24.0% YoY
 0.7%
+273.4% YoY
 Bottom 14.8% in tier
NIM 3.6%
+6.6% YoY+1.8% QoQ
 +0.2% 3.4%
+8.6% YoY
 3.9%
+4.3% YoY
 3.7%
+5.0% YoY
 63rd in tier
Efficiency Ratio 91.6%
+10.4% YoY-1.3% QoQ
 +13.5% 78.1%
-3.4% YoY
 79.6%
-0.9% YoY
 79.1%
-3.3% YoY
 Top 7.7% in tier
Delinquency Rate 1.4%
+32.3% YoY+31.9% QoQ
 +0.6 0.8%
-4.9% YoY
 1.2%
+20.3% YoY
 1.2%
-0.9% YoY
 Top 15.4% in tier
Loan To Share 96.4%
+5.9% YoY+2.6% QoQ
 +15.4% 81.0%
-1.8% YoY
 71.8%
-2.5% YoY
 68.0%
-1.7% YoY
 Top 13.0% in tier
AMR $22,522
+0.5% YoY-0.3% QoQ
 $-4K $26,482
+2.6% YoY
 $17,515
+1.3% YoY
 $19,418
+1.3% YoY
 35th in tier
CD Concentration 13.9%
-8.4% YoY+0.0% QoQ
 -10.5% 24.4%
+4.2% YoY
 20.9%
+7.1% YoY
 19.6%
+6.2% YoY
 Bottom 15.8% in tier
Indirect Auto % 8.7%
-14.4% YoY+1.6% QoQ
 -5.2% 14.0%
-5.8% YoY
 7.2%
-0.2% YoY
 7.9%
-2.9% YoY
 52nd in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Efficiency Drag

risk
#45 of 521 • Bottom 2.5% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 91.59%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.23% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): -0.44%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 281 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank improving

Deposit Outflow

decline
#22 of 114 • Bottom 3.6% in tier

Members staying but deposits leaving. They're losing to higher-yield competitors - rate pressure is real.

Why This Signature
Deposit Growth (YoY): -2.72%
(Tier: 4.79%, National: 12.00%)
worse than tier avg
Total Assets: $720.97M
(Tier: $622.38M, National: $547.69M)
but better than tier avg
114 of 281 Community CUs have this signature | 143 nationally
↓ Shrinking -169 CUs YoY | New qualifier

Credit Quality Pressure

risk
#233 of 736 • Bottom 9.4% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.33% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 281 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank improving

Liquidity Strain

risk
#129 of 258 • Bottom 16.5% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 96.44%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 3.01%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
258 of 281 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | Rank improving

Growth-at-Risk

risk
#254 of 446 • Bottom 16.9% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 3.01%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 0.33% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 281 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | New qualifier

Liquidity Overhang

risk
#507 of 552 • Bottom 32.7% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 13.16%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 96.44%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 281 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | New qualifier

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 169 peers in tier

Top Strengths (6 metrics)

6
Share Certificate Concentration (%)
balance_sheet
Value: 13.86%
Peer Avg: 26.87%
#6 of 169 Top 3.0% in 500M-750M tier
21
Total Assets
balance_sheet
Value: $720.97M
Peer Avg: $622.38M
#21 of 169 Top 11.8% in 500M-750M tier
22
Loan-to-Share Ratio
balance_sheet
Value: 96.44%
Peer Avg: 81.02%
#22 of 169 Top 12.4% in 500M-750M tier
26
Total Loans
balance_sheet
Value: $540.80M
Peer Avg: $435.95M
#26 of 169 Top 14.8% in 500M-750M tier
28
Net Worth Ratio
risk
Value: 13.16%
Peer Avg: 10.94%
#28 of 169 Top 16.0% in 500M-750M tier
28
Total Members
engagement
Value: 48,909
Peer Avg: 39,752
#28 of 169 Top 16.0% in 500M-750M tier

Top Weaknesses (5 metrics)

167
Asset Growth Rate
growth
Value: -12.24%
Peer Avg: 4.33%
#167 of 169 Bottom 1.8% in 500M-750M tier
157
Efficiency Ratio
profitability
Value: 91.59%
Peer Avg: 78.10%
#157 of 169 Bottom 7.7% in 500M-750M tier
156
Deposit Growth Rate
growth
Value: -2.72%
Peer Avg: 5.25%
#156 of 169 Bottom 8.3% in 500M-750M tier
144
Return on Assets (ROA)
profitability
Value: 0.20%
Peer Avg: 0.66%
#144 of 169 Bottom 15.4% in 500M-750M tier
144
Total Delinquency Rate (60+ days)
risk
Value: 1.35%
Peer Avg: 0.80%
#144 of 169 Bottom 15.4% in 500M-750M tier