POLAM
Charter #21502 | CA
<100M
(2596 CUs)
Micro
($0-$500M)
92 <100M in CA
POLAM has 9 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 13.1% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Loans: Top 1.0% in tier
- + Loan-to-Member Ratio (LMR): Top 1.1% in tier
- + Average Member Relationship (AMR): Top 2.0% in tier
- + Member Growth Rate: Top 2.8% in tier
- + Loan-to-Share Ratio: Top 4.5% in tier
- + Total Assets: Top 8.7% in tier
- + Total Deposits: Top 8.8% in tier
Key Concerns
Areas that may need attention
- - ROA 1.07% below tier average
- - Efficiency ratio 29.72% above tier (higher cost structure)
- - Delinquency rate 1.25% above tier average
- - First Mortgage Concentration (%): Bottom 2.7% in tier
- - AMR Growth Rate: Bottom 9.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,839
+13.1% YoY-1.6% QoQ
|
+1.2K |
2,625
-2.2% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
Top 23.0% in tier |
| Assets |
$77.5M
+4.2% YoY-0.7% QoQ
|
+$47.7M |
$29.9M
+1.1% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
Top 8.7% in tier |
| Loans |
$65.2M
+2.7% YoY+4.1% QoQ
|
+$49.4M |
$15.8M
-2.4% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Top 1.1% in tier |
| Deposits |
$65.7M
+3.5% YoY-2.5% QoQ
|
+$40.3M |
$25.5M
+0.4% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
Top 8.9% in tier |
| ROA |
-0.4%
-16.2% YoY-12.4% QoQ
|
-1.1% |
0.7%
-731.4% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 10.0% in tier |
| NIM |
2.8%
+3.9% YoY+0.5% QoQ
|
-1.1% |
3.9%
+3.8% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
Bottom 13.9% in tier |
| Efficiency Ratio |
111.1%
-2.5% YoY-1.4% QoQ
|
+29.7% |
81.4%
-2.4% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Top 6.0% in tier |
| Delinquency Rate |
2.8%
+420.3% YoY+486.8% QoQ
|
+1.2 |
1.5%
-2.0% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
Top 13.5% in tier |
| Loan To Share |
99.1%
-0.8% YoY+6.8% QoQ
|
+37.9% |
61.2%
-3.0% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
Top 4.7% in tier |
| AMR |
$34,092
-8.8% YoY+2.3% QoQ
|
+$19K |
$14,627
-2.7% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
Top 2.1% in tier |
| CD Concentration |
14.3%
+14.3% YoY+11.6% QoQ
|
-10.1% |
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 (9 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
28
Total Loans
balance_sheet
Value:
$65.15M
Peer Avg: $15.77M
#28 of 2596
Top 1.0% in <100M tier
30
Loan-to-Member Ratio (LMR)
engagement
Value:
$16,971
Peer Avg: $5,488
#30 of 2596
Top 1.1% in <100M tier
54
Average Member Relationship (AMR)
engagement
Value:
$34,092
Peer Avg: $14,627
#54 of 2596
Top 2.0% in <100M tier
73
Member Growth Rate
growth
Value:
13.11%
Peer Avg: 14.92%
#73 of 2596
Top 2.8% in <100M tier
118
Loan-to-Share Ratio
balance_sheet
Value:
99.12%
Peer Avg: 61.23%
#118 of 2596
Top 4.5% in <100M tier
226
Total Assets
balance_sheet
Value:
$77.51M
Peer Avg: $29.86M
#226 of 2596
Top 8.7% in <100M tier
230
Total Deposits
balance_sheet
Value:
$65.73M
Peer Avg: $25.45M
#230 of 2596
Top 8.8% in <100M tier
596
Total Members
engagement
Value:
3,839
Peer Avg: 2,626
#596 of 2596
Top 22.9% in <100M tier
Top Weaknesses (7 metrics)
2526
First Mortgage Concentration (%)
balance_sheet
Value:
66.73%
Peer Avg: 14.49%
#2526 of 2596
Bottom 2.7% in <100M tier
2440
Efficiency Ratio
profitability
Value:
111.11%
Peer Avg: 81.39%
#2440 of 2596
Bottom 6.0% in <100M tier
2358
AMR Growth Rate
growth
Value:
-8.83%
Peer Avg: 4.67%
#2358 of 2596
Bottom 9.2% in <100M tier
2337
Return on Assets (ROA)
profitability
Value:
-0.38%
Peer Avg: 0.68%
#2337 of 2596
Bottom 10.0% in <100M tier
2247
Total Delinquency Rate (60+ days)
risk
Value:
2.76%
Peer Avg: 1.51%
#2247 of 2596
Bottom 13.5% in <100M tier
2234
Net Interest Margin (NIM)
profitability
Value:
2.85%
Peer Avg: 3.93%
#2234 of 2596
Bottom 14.0% in <100M tier
2224
Members Per Employee (MPE)
engagement
Value:
191.950
Peer Avg: 365.701
#2224 of 2596
Bottom 14.4% in <100M tier