DELANCEY STREET
Charter #21393 | CA
<100M
(2596 CUs)
Micro
($0-$500M)
92 <100M in CA
DELANCEY STREET has 9 strengths but faces 11 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.70% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 1.7% in tier
- + Net Worth Ratio: Top 6.0% in tier
- + AMR Growth Rate: Top 6.3% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.5% YoY
- - Loan-to-Share Ratio: Bottom 0.6% in tier
- - Loan-to-Member Ratio (LMR): Bottom 0.6% in tier
- - Total Loans: Bottom 0.6% in tier
- - Total Members: Bottom 1.0% in tier
- - Loan Growth Rate: Bottom 1.1% in tier
- - Total Deposits: Bottom 2.8% in tier
- - Total Assets: Bottom 3.0% in tier
- - Fee Income Per Member: Bottom 3.9% in tier
- - Members Per Employee (MPE): Bottom 5.2% in tier
- - Average Member Relationship (AMR): Bottom 6.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
83
-3.5% YoY+3.8% QoQ
|
-2.5K |
2,625
-2.2% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
Bottom 0.9% in tier |
| Assets |
$468,083
+8.7% YoY+8.4% QoQ
|
$-29.4M |
$29.9M
+1.1% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
Bottom 3.0% in tier |
| Loans |
$385.0
-64.5% YoY+9.7% QoQ
|
$-15.8M |
$15.8M
-2.4% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 0.5% in tier |
| Deposits |
$328,502
+9.0% YoY+11.4% QoQ
|
$-25.1M |
$25.5M
+0.4% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
Bottom 2.7% in tier |
| ROA |
2.4%
+11.8% YoY-3.6% QoQ
|
+1.7% |
0.7%
-731.4% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
Top 4.4% in tier |
| NIM |
3.7%
+6.1% YoY-5.1% QoQ
|
-0.3% |
3.9%
+3.8% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
41st in tier |
| Efficiency Ratio |
35.2%
-8.5% YoY-2.9% QoQ
|
-46.2% |
81.4%
-2.4% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 1.7% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
0.1%
-67.5% YoY-1.5% QoQ
|
-61.1% |
61.2%
-3.0% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
Bottom 0.4% in tier |
| AMR |
$3,962
+12.6% YoY+7.3% QoQ
|
$-11K |
$14,627
-2.7% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
Bottom 6.2% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
9.5%
-6.9% 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 (11 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: 1.51%
#1 of 2596
Top 0.0% in <100M tier
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
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
44
Efficiency Ratio
profitability
Value:
35.22%
Peer Avg: 81.39%
#44 of 2596
Top 1.7% in <100M tier
115
Return on Assets (ROA)
profitability
Value:
2.38%
Peer Avg: 0.68%
#115 of 2596
Top 4.4% in <100M tier
157
Net Worth Ratio
risk
Value:
29.82%
Peer Avg: 16.43%
#157 of 2596
Top 6.0% in <100M tier
165
AMR Growth Rate
growth
Value:
12.63%
Peer Avg: 4.67%
#165 of 2596
Top 6.3% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
289
Deposit Growth Rate
growth
Value:
8.96%
Peer Avg: 16.80%
#289 of 2596
Top 11.1% in <100M tier
Top Weaknesses (10 metrics)
2582
Loan-to-Share Ratio
balance_sheet
Value:
0.12%
Peer Avg: 61.23%
#2582 of 2596
Bottom 0.6% in <100M tier
2582
Loan-to-Member Ratio (LMR)
engagement
Value:
$4.64
Peer Avg: $5,488
#2582 of 2596
Bottom 0.6% in <100M tier
2582
Total Loans
balance_sheet
Value:
$385.00
Peer Avg: $15.77M
#2582 of 2596
Bottom 0.6% in <100M tier
2572
Total Members
engagement
Value:
83
Peer Avg: 2,626
#2572 of 2596
Bottom 1.0% in <100M tier
2568
Loan Growth Rate
growth
Value:
-64.55%
Peer Avg: 59.01%
#2568 of 2596
Bottom 1.1% in <100M tier
2525
Total Deposits
balance_sheet
Value:
$328,502
Peer Avg: $25.45M
#2525 of 2596
Bottom 2.8% in <100M tier
2518
Total Assets
balance_sheet
Value:
$468,083
Peer Avg: $29.86M
#2518 of 2596
Bottom 3.0% in <100M tier
2495
Fee Income Per Member
profitability
Value:
$0.00
Peer Avg: $182.96
#2495 of 2596
Bottom 3.9% in <100M tier
2461
Members Per Employee (MPE)
engagement
Value:
83.000
Peer Avg: 365.701
#2461 of 2596
Bottom 5.2% in <100M tier
2434
Average Member Relationship (AMR)
engagement
Value:
$3,962
Peer Avg: $14,627
#2434 of 2596
Bottom 6.3% in <100M tier