FIBRE

Charter #2191 | WA

1B-3B (304 CUs) Mid-Market (380 CUs)
9 1B-3B in WA

FIBRE has 6 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 8.3% in tier
  • + Organic Growth Engine: Top 20.3% in tier
  • + Relationship Depth Leader: Top 24.7% in tier
  • + Wallet Share Momentum: Top 30.6% in tier
  • + ROA 0.73% above tier average
  • + Net Interest Margin 0.47% above tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 11.4% in tier
  • - Liquidity Overhang: Bottom 13.1% in tier
  • - Growth-at-Risk: Bottom 18.2% in tier
  • - Indirect Auto Dependency: Bottom 19.5% in tier
  • - Delinquency rate 0.02% above tier average

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (WA) National Avg Tier Percentile
Members 120,092
+0.9% YoY+0.3% QoQ
 +21.4K 98,678
-1.9% YoY
 65,720
+2.5% YoY
 33,089
+6.1% YoY
 72nd in tier
Assets $1.8B
+3.5% YoY+1.3% QoQ
 +$35.8M $1.7B
+0.5% YoY
 $1.2B
+3.7% YoY
 $547.7M
+7.8% YoY
 61st in tier
Loans $1.2B
+3.6% YoY+0.5% QoQ
 +$9.9M $1.2B
+0.5% YoY
 $909.1M
+5.1% YoY
 $388.7M
+8.6% YoY
 61st in tier
Deposits $1.5B
+2.4% YoY+0.9% QoQ
 +$43.2M $1.5B
+1.3% YoY
 $1.0B
+6.5% YoY
 $464.6M
+9.3% YoY
 60th in tier
ROA 1.4%
+111.5% YoY+5.7% QoQ
 +0.7% 0.7%
+13.4% YoY
 0.6%
+9.9% YoY
 0.7%
+273.4% YoY
 Top 6.9% in tier
NIM 3.7%
+12.3% YoY+1.1% QoQ
 +0.5% 3.3%
+9.3% YoY
 3.7%
+4.7% YoY
 3.7%
+5.0% YoY
 Top 20.1% in tier
Efficiency Ratio 67.1%
-11.4% YoY-2.2% QoQ
 -6.9% 74.0%
-10.9% YoY
 76.4%
-1.1% YoY
 79.1%
-3.3% YoY
 Bottom 23.4% in tier
Delinquency Rate 0.8%
+22.4% YoY+25.5% QoQ
 +0.0 0.8%
+6.1% YoY
 0.9%
-2.6% YoY
 1.2%
-0.9% YoY
 66th in tier
Loan To Share 83.0%
+1.1% YoY-0.4% QoQ
 -2.2% 85.2%
-0.8% YoY
 76.9%
-2.2% YoY
 68.0%
-1.7% YoY
 36th in tier
AMR $22,820
+2.0% YoY+0.4% QoQ
 $-6K $29,172
+2.8% YoY
 $28,761
+2.7% YoY
 $19,418
+1.3% YoY
 Bottom 20.1% in tier
CD Concentration 24.2%
+10.2% YoY+2.6% QoQ
 -4.8% 29.0%
+0.8% YoY
 22.3%
+2.5% YoY
 19.6%
+6.2% YoY
 29th in tier
Indirect Auto % 24.1%
-9.7% YoY-2.3% QoQ
 +5.4% 18.8%
-2.8% YoY
 17.1%
-8.4% YoY
 7.9%
-2.9% YoY
 66th in tier

Signature Analysis

Strengths (4)

Emerging Performer

growth
#45 of 184 • Top 8.3% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 1.44%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Member Growth (YoY): 0.93%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | Rank improving

Organic Growth Engine

growth
#148 of 246 • Top 20.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 0.93%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
Return on Assets: 1.44%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 24.15%
(Tier: 18.80%, National: 7.90%)
but worse than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank improving

Relationship Depth Leader

growth
#179 of 264 • Top 24.7% in tier

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

Why This Signature
AMR Growth (YoY): 2.00%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $3.3K
(Tier: $3.1K, National: $2.0K)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Wallet Share Momentum

growth
#222 of 264 • Top 30.6% in tier

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

Why This Signature
AMR Growth (YoY): 2.00%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Concerns (4)

Credit Quality Pressure

risk
#88 of 217 • Bottom 11.4% in tier

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

Why This Signature
Delinquency Change (YoY): 0.16% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY

Liquidity Overhang

risk
#43 of 113 • Bottom 13.1% 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: 13.53%
(Tier: 11.30%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 83.00%
(Tier: 86.35%, National: 67.96%)
worse than tier avg
113 of 380 Mid-Market CUs have this signature | 691 nationally
↑ Growing +9 CUs YoY | Rank improving

Growth-at-Risk

risk
#102 of 161 • Bottom 18.2% in tier

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

Why This Signature
Loan Growth (YoY): 3.59%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 0.16% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 CUs YoY | Rank worsening

Indirect Auto Dependency

risk
#121 of 202 • Bottom 19.5% in tier

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

Why This Signature
Asset Growth (YoY): 3.53%
(Tier: 5.36%, National: 3.04%)
worse than tier avg
Indirect Auto %: 24.15%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 0.93%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY

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 304 peers in tier

Top Strengths (5 metrics)

21
Return on Assets (ROA)
profitability
Value: 1.44%
Peer Avg: 0.70%
#21 of 304 Top 6.6% in 1B-3B tier
40
Net Worth Ratio
risk
Value: 13.53%
Peer Avg: 11.44%
#40 of 304 Top 12.8% in 1B-3B tier
61
Net Interest Margin (NIM)
profitability
Value: 3.73%
Peer Avg: 3.26%
#61 of 304 Top 19.7% in 1B-3B tier
71
Fee Income Per Member
profitability
Value: $253.42
Peer Avg: $210.52
#71 of 304 Top 23.0% in 1B-3B tier
72
Efficiency Ratio
profitability
Value: 67.09%
Peer Avg: 73.97%
#72 of 304 Top 23.4% in 1B-3B tier

Top Weaknesses (2 metrics)

243
Average Member Relationship (AMR)
engagement
Value: $22,820
Peer Avg: $29,172
#243 of 304 Bottom 20.4% in 1B-3B tier
242
Loan-to-Member Ratio (LMR)
engagement
Value: $10,350
Peer Avg: $13,213
#242 of 304 Bottom 20.7% in 1B-3B tier