M G EMPLOYEES
Charter #21787 | OH
<100M
(2596 CUs)
Micro
($0-$500M)
121 <100M in OH
M G EMPLOYEES has 6 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + 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
- + Net Charge-Off Rate: Top 0.3% in tier
- + Net Worth Ratio: Top 3.7% in tier
Key Concerns
Areas that may need attention
- - ROA 1.04% below tier average
- - Efficiency ratio 30.80% above tier (higher cost structure)
- - Member decline: -3.7% YoY
- - Total Members: Bottom 2.3% in tier
- - Total Loans: Bottom 5.8% in tier
- - Loan-to-Share Ratio: Bottom 6.5% in tier
- - Members Per Employee (MPE): Bottom 8.2% in tier
- - Total Deposits: Bottom 9.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
130
-3.7% YoY-0.8% QoQ
|
-2.5K |
2,625
-2.2% YoY
|
16,553
+5.8% YoY
|
33,089
+6.1% YoY
|
Bottom 2.2% in tier |
| Assets |
$2.2M
+3.2% YoY+0.6% QoQ
|
$-27.6M |
$29.9M
+1.1% YoY
|
$245.2M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
Bottom 10.8% in tier |
| Loans |
$351,454
-1.5% YoY+5.9% QoQ
|
$-15.4M |
$15.8M
-2.4% YoY
|
$170.6M
+8.7% YoY
|
$388.7M
+8.6% YoY
|
Bottom 5.7% in tier |
| Deposits |
$1.5M
+4.6% YoY+1.1% QoQ
|
$-24.0M |
$25.5M
+0.4% YoY
|
$209.1M
+9.7% YoY
|
$464.6M
+9.3% YoY
|
Bottom 9.3% in tier |
| ROA |
-0.4%
-66.1% YoY-193.8% QoQ
|
-1.0% |
0.7%
-731.4% YoY
|
0.5%
-7.3% YoY
|
0.7%
+273.4% YoY
|
Bottom 10.2% in tier |
| NIM |
2.9%
+37.0% YoY-1.6% QoQ
|
-1.0% |
3.9%
+3.8% YoY
|
3.7%
+3.3% YoY
|
3.7%
+5.0% YoY
|
Bottom 14.9% in tier |
| Efficiency Ratio |
112.2%
-24.8% YoY+28.7% QoQ
|
+30.8% |
81.4%
-2.4% YoY
|
83.9%
+3.6% YoY
|
79.1%
-3.3% YoY
|
Top 5.8% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.5 |
1.5%
-2.0% YoY
|
1.5%
+29.9% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
24.2%
-5.8% YoY+4.8% QoQ
|
-37.1% |
61.2%
-3.0% YoY
|
63.8%
-2.4% YoY
|
68.0%
-1.7% YoY
|
Bottom 6.3% in tier |
| AMR |
$13,897
+7.3% YoY+2.8% QoQ
|
$-730 |
$14,627
-2.7% YoY
|
$17,099
+5.9% YoY
|
$19,418
+1.3% YoY
|
51st 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)
Top Strengths (7 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
8
Net Charge-Off Rate
risk
Value:
-2.05%
Peer Avg: 0.57%
#8 of 2596
Top 0.3% in <100M tier
98
Net Worth Ratio
risk
Value:
34.25%
Peer Avg: 16.43%
#98 of 2596
Top 3.7% in <100M tier
421
AMR Growth Rate
growth
Value:
7.30%
Peer Avg: 4.67%
#421 of 2596
Top 16.2% in <100M tier
Top Weaknesses (11 metrics)
2537
Total Members
engagement
Value:
130
Peer Avg: 2,626
#2537 of 2596
Bottom 2.3% in <100M tier
2447
Total Loans
balance_sheet
Value:
$351,454
Peer Avg: $15.77M
#2447 of 2596
Bottom 5.8% in <100M tier
2446
Efficiency Ratio
profitability
Value:
112.19%
Peer Avg: 81.39%
#2446 of 2596
Bottom 5.8% in <100M tier
2428
Loan-to-Share Ratio
balance_sheet
Value:
24.15%
Peer Avg: 61.23%
#2428 of 2596
Bottom 6.5% in <100M tier
2383
Members Per Employee (MPE)
engagement
Value:
130.000
Peer Avg: 365.701
#2383 of 2596
Bottom 8.2% in <100M tier
2355
Total Deposits
balance_sheet
Value:
$1.46M
Peer Avg: $25.45M
#2355 of 2596
Bottom 9.3% in <100M tier
2331
Return on Assets (ROA)
profitability
Value:
-0.35%
Peer Avg: 0.68%
#2331 of 2596
Bottom 10.2% in <100M tier
2315
Total Assets
balance_sheet
Value:
$2.24M
Peer Avg: $29.86M
#2315 of 2596
Bottom 10.9% in <100M tier
2278
Fee Income Per Member
profitability
Value:
$3.44
Peer Avg: $182.96
#2278 of 2596
Bottom 12.3% in <100M tier
2208
Net Interest Margin (NIM)
profitability
Value:
2.89%
Peer Avg: 3.93%
#2208 of 2596
Bottom 15.0% in <100M tier