DEXSTA

Charter #2187 | DE

100M-500M (1077 CUs) Micro
5 100M-500M in DE

DEXSTA has 5 strengths but faces 11 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 21.6% in tier
  • + Relationship Depth Leader: Top 26.6% in tier
  • + Total Members: Top 4.4% in tier
  • + Total Deposits: Top 5.3% in tier
  • + Total Assets: Top 7.9% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 9.0% in tier
  • - Institutional Decline: Bottom 15.2% in tier
  • - Efficiency Drag: Bottom 17.6% in tier
  • - Membership Headwinds: Bottom 17.8% in tier
  • - Stagnation Risk: Bottom 31.6% in tier
  • - ROA 0.78% below tier average
  • - Efficiency ratio 6.25% above tier (higher cost structure)
  • - Delinquency rate 0.47% above tier average
  • - Member decline: -2.3% YoY
  • - Indirect Auto Concentration (%): Bottom 4.7% in tier
  • - Net Interest Margin (NIM): Bottom 9.6% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (DE) National Avg Tier Percentile
Members 34,860
-2.3% YoY-4.3% QoQ
 +19.2K 15,628
-3.4% YoY
 17,253
+10.0% YoY
 33,089
+6.1% YoY
 Top 4.5% in tier
Assets $417.5M
+0.5% YoY-0.8% QoQ
 +$186.2M $231.3M
-0.0% YoY
 $195.2M
+8.0% YoY
 $547.7M
+7.8% YoY
 Top 8.0% in tier
Loans $253.9M
-3.1% YoY+0.7% QoQ
 +$106.1M $147.8M
-1.4% YoY
 $121.5M
+9.1% YoY
 $388.7M
+8.6% YoY
 Top 13.6% in tier
Deposits $382.8M
+4.6% YoY-1.0% QoQ
 +$182.5M $200.3M
-0.0% YoY
 $172.1M
+8.7% YoY
 $464.6M
+9.3% YoY
 Top 5.4% in tier
ROA 0.0%
-94.9% YoY-88.7% QoQ
 -0.8% 0.8%
+15.5% YoY
 2.8%
+77.8% YoY
 0.7%
+273.4% YoY
 Bottom 7.2% in tier
NIM 2.7%
+1.2% YoY+1.7% QoQ
 -0.9% 3.6%
+6.9% YoY
 3.3%
+6.1% YoY
 3.7%
+5.0% YoY
 Bottom 9.5% in tier
Efficiency Ratio 83.5%
+3.5% YoY+0.7% QoQ
 +6.2% 77.3%
-3.0% YoY
 77.7%
-4.8% YoY
 79.1%
-3.3% YoY
 72nd in tier
Delinquency Rate 1.3%
-0.6% YoY-4.7% QoQ
 +0.5 0.9%
+7.6% YoY
 2.7%
+22.3% YoY
 1.2%
-0.9% YoY
 Top 18.6% in tier
Loan To Share 66.3%
-7.4% YoY+1.6% QoQ
 -6.4% 72.7%
-1.5% YoY
 48.0%
+0.7% YoY
 68.0%
-1.7% YoY
 33rd in tier
AMR $18,264
+3.8% YoY+4.1% QoQ
 $-6K $24,363
+2.9% YoY
 $13,877
+1.3% YoY
 $19,418
+1.3% YoY
 Bottom 24.1% in tier
CD Concentration 21.6%
-6.7% YoY-1.0% QoQ
 -2.8% 24.4%
+4.2% YoY
 12.6%
+3.7% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 46.3%
-7.0% YoY-2.2% QoQ
 +32.3% 14.0%
-5.8% YoY
 7.8%
-5.9% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#595 of 1006 • Top 21.6% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 3.82%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Relationship Depth Leader

growth
#734 of 1006 • Top 26.6% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 3.82%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.2K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (5)

Indirect Auto Dependency

risk
#146 of 525 • Bottom 9.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 0.52%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 46.28%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -2.34%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank worsening

Institutional Decline

decline
#121 of 256 • Bottom 15.2% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $417.48M
(Tier: $231.30M, National: $547.69M)
but better than tier avg
Member Growth (YoY): -2.34%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -3.12%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
256 of 1077 Community CUs have this signature | 293 nationally
↓ Shrinking -43 CUs YoY | Rank worsening

Efficiency Drag

risk
#312 of 521 • Bottom 17.6% in tier

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

Why This Signature
Efficiency Ratio: 83.52%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.16% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): -2.34%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank improving

Membership Headwinds

decline
#293 of 550 • Bottom 17.8% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -2.34%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Stagnation Risk

risk
#521 of 550 • Bottom 31.6% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.01%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -2.34%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $18.3K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 21.57%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

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 1077 peers in tier

Top Strengths (6 metrics)

48
Total Members
engagement
Value: 34,860
Peer Avg: 15,628
#48 of 1077 Top 4.4% in 100M-500M tier
58
Total Deposits
balance_sheet
Value: $382.81M
Peer Avg: $200.29M
#58 of 1077 Top 5.3% in 100M-500M tier
86
Total Assets
balance_sheet
Value: $417.48M
Peer Avg: $231.30M
#86 of 1077 Top 7.9% in 100M-500M tier
109
First Mortgage Concentration (%)
balance_sheet
Value: 7.75%
Peer Avg: 30.43%
#109 of 1077 Top 10.0% in 100M-500M tier
116
Members Per Employee (MPE)
engagement
Value: 452.727
Peer Avg: 332.881
#116 of 1077 Top 10.7% in 100M-500M tier
146
Total Loans
balance_sheet
Value: $253.86M
Peer Avg: $147.80M
#146 of 1077 Top 13.5% in 100M-500M tier

Top Weaknesses (10 metrics)

1027
Indirect Auto Concentration (%)
balance_sheet
Value: 46.28%
Peer Avg: 13.34%
#1027 of 1077 Bottom 4.7% in 100M-500M tier
999
Return on Assets (ROA)
profitability
Value: 0.01%
Peer Avg: 0.79%
#999 of 1077 Bottom 7.3% in 100M-500M tier
975
Net Interest Margin (NIM)
profitability
Value: 2.71%
Peer Avg: 3.58%
#975 of 1077 Bottom 9.6% in 100M-500M tier
949
Net Charge-Off Rate
risk
Value: 0.90%
Peer Avg: 0.47%
#949 of 1077 Bottom 12.0% in 100M-500M tier
908
Net Worth Ratio
risk
Value: 9.19%
Peer Avg: 12.15%
#908 of 1077 Bottom 15.8% in 100M-500M tier
878
Total Delinquency Rate (60+ days)
risk
Value: 1.33%
Peer Avg: 0.86%
#878 of 1077 Bottom 18.6% in 100M-500M tier
867
Loan Growth Rate
growth
Value: -3.12%
Peer Avg: 3.45%
#867 of 1077 Bottom 19.6% in 100M-500M tier
844
Asset Growth Rate
growth
Value: 0.52%
Peer Avg: 4.70%
#844 of 1077 Bottom 21.7% in 100M-500M tier
830
Member Growth Rate
growth
Value: -2.34%
Peer Avg: 0.72%
#830 of 1077 Bottom 23.0% in 100M-500M tier
817
Average Member Relationship (AMR)
engagement
Value: $18,264
Peer Avg: $24,363
#817 of 1077 Bottom 24.2% in 100M-500M tier