CPM

Charter #21971 | SC

500M-750M (169 CUs) Community (281 CUs)
2 500M-750M in SC

CPM has 7 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 10.9% in tier
  • + Organic Growth Engine: Top 11.2% in tier
  • + Wallet Share Momentum: Top 15.3% in tier
  • + Relationship Depth Leader: Top 27.4% in tier
  • + Net Interest Margin 0.14% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Total Members: Top 3.0% in tier

Key Concerns

Areas that may need attention

  • - Growth-at-Risk: Bottom 1.3% in tier
  • - Credit Quality Pressure: Bottom 2.6% in tier
  • - ROA 0.00% below tier average
  • - Delinquency rate 1.43% above tier average
  • - Total Delinquency Rate (60+ days): Bottom 3.0% in tier
  • - Average Member Relationship (AMR): Bottom 4.7% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 5.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
Members 66,406
+3.4% YoY+0.8% QoQ
 +26.7K 39,752
-2.7% YoY
 37,124
+2.2% YoY
 33,089
+6.1% YoY
 Top 3.6% in tier
Assets $680.6M
+7.6% YoY+1.1% QoQ
 +$58.2M $622.4M
+0.3% YoY
 $514.3M
+4.6% YoY
 $547.7M
+7.8% YoY
 72nd in tier
Loans $472.1M
+10.9% YoY+1.8% QoQ
 +$36.2M $435.9M
-0.4% YoY
 $362.8M
+7.0% YoY
 $388.7M
+8.6% YoY
 66th in tier
Deposits $609.8M
+7.7% YoY+1.3% QoQ
 +$71.8M $538.0M
+1.3% YoY
 $433.3M
+6.0% YoY
 $464.6M
+9.3% YoY
 Top 18.9% in tier
ROA 0.7%
-22.6% YoY-4.3% QoQ
 -0.0% 0.7%
+33.9% YoY
 1.2%
+18.8% YoY
 0.7%
+273.4% YoY
 54th in tier
NIM 3.6%
+11.5% YoY+2.7% QoQ
 +0.1% 3.4%
+8.6% YoY
 4.3%
+2.6% YoY
 3.7%
+5.0% YoY
 62nd in tier
Efficiency Ratio 77.5%
-4.8% YoY-4.3% QoQ
 -0.6% 78.1%
-3.4% YoY
 75.1%
-1.9% YoY
 79.1%
-3.3% YoY
 44th in tier
Delinquency Rate 2.2%
+60.6% YoY-3.2% QoQ
 +1.4 0.8%
-4.9% YoY
 0.9%
+10.3% YoY
 1.2%
-0.9% YoY
 Top 3.0% in tier
Loan To Share 77.4%
+3.0% YoY+0.5% QoQ
 -3.6% 81.0%
-1.8% YoY
 71.3%
-1.2% YoY
 68.0%
-1.7% YoY
 32nd in tier
AMR $16,293
+5.5% YoY+0.7% QoQ
 $-10K $26,482
+2.6% YoY
 $16,641
+2.9% YoY
 $19,418
+1.3% YoY
 Bottom 4.1% in tier
CD Concentration 18.9%
+17.8% YoY+10.2% QoQ
 -5.5% 24.4%
+4.2% YoY
 17.4%
+3.6% YoY
 19.6%
+6.2% YoY
 30th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 5.9%
-5.3% YoY
 7.9%
-2.9% YoY
 Bottom 0.0% in tier

Signature Analysis

Strengths (4)

Organic Growth Leader

growth
#144 of 430 • Top 10.9% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 3.38%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 281 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank improving

Organic Growth Engine

growth
#207 of 603 • Top 11.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 3.38%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.66%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 0.00%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#424 of 1006 • Top 15.3% in tier

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

Why This Signature
AMR Growth (YoY): 5.54%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Relationship Depth Leader

growth
#756 of 1006 • Top 27.4% in tier

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

Why This Signature
AMR Growth (YoY): 5.54%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $1.8K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Concerns (2)

Growth-at-Risk

risk
#21 of 446 • Bottom 1.3% in tier

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

Why This Signature
Loan Growth (YoY): 10.93%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.84% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 281 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | Rank improving

Credit Quality Pressure

risk
#66 of 736 • Bottom 2.6% in tier

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

Why This Signature
Delinquency Change (YoY): 0.84% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 281 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 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 169 peers in tier

Top Strengths (8 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 16.19%
#1 of 169 Top 0.0% in 500M-750M tier
6
Total Members
engagement
Value: 66,406
Peer Avg: 39,752
#6 of 169 Top 3.0% in 500M-750M tier
22
Loan Growth Rate
growth
Value: 10.93%
Peer Avg: 4.04%
#22 of 169 Top 12.4% in 500M-750M tier
28
Share Certificate Concentration (%)
balance_sheet
Value: 18.91%
Peer Avg: 26.87%
#28 of 169 Top 16.0% in 500M-750M tier
32
Fee Income Per Member
profitability
Value: $263.05
Peer Avg: $199.27
#32 of 169 Top 18.3% in 500M-750M tier
32
Member Growth Rate
growth
Value: 3.38%
Peer Avg: 1.75%
#32 of 169 Top 18.3% in 500M-750M tier
32
Total Deposits
balance_sheet
Value: $609.80M
Peer Avg: $538.02M
#32 of 169 Top 18.3% in 500M-750M tier
35
Asset Growth Rate
growth
Value: 7.60%
Peer Avg: 4.33%
#35 of 169 Top 20.1% in 500M-750M tier

Top Weaknesses (4 metrics)

165
Total Delinquency Rate (60+ days)
risk
Value: 2.23%
Peer Avg: 0.80%
#165 of 169 Bottom 3.0% in 500M-750M tier
162
Average Member Relationship (AMR)
engagement
Value: $16,293
Peer Avg: $26,482
#162 of 169 Bottom 4.7% in 500M-750M tier
160
Loan-to-Member Ratio (LMR)
engagement
Value: $7,110
Peer Avg: $11,805
#160 of 169 Bottom 5.9% in 500M-750M tier
131
First Mortgage Concentration (%)
balance_sheet
Value: 44.98%
Peer Avg: 33.53%
#131 of 169 Bottom 23.1% in 500M-750M tier