ENGAGE
Charter #22005 | LA
<100M
(2596 CUs)
Micro
($0-$500M)
108 <100M in LA
ENGAGE shows strong momentum with 11 strengths and 31.6% YoY member growth
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.68% above tier average
- + Net Interest Margin 0.48% above tier average
- + Strong member growth: 31.6% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 1.1% in tier
- + Deposit Growth Rate: Top 1.1% in tier
- + Asset Growth Rate: Top 1.2% in tier
- + Loan-to-Share Ratio: Top 4.1% in tier
- + Loan Growth Rate: Top 4.7% in tier
- + Fee Income Per Member: Top 5.2% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,134
+31.6% YoY+2.3% QoQ
|
+1.5K |
2,625
-2.2% YoY
|
9,352
+2.6% YoY
|
33,089
+6.1% YoY
|
Top 20.3% in tier |
| Assets |
$27.3M
+23.0% YoY-3.8% QoQ
|
$-2.5M |
$29.9M
+1.1% YoY
|
$121.4M
+4.9% YoY
|
$547.7M
+7.8% YoY
|
57th in tier |
| Loans |
$21.3M
+16.6% YoY+0.0% QoQ
|
+$5.5M |
$15.8M
-2.4% YoY
|
$86.9M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
72nd in tier |
| Deposits |
$21.2M
+26.1% YoY-5.1% QoQ
|
$-4.2M |
$25.5M
+0.4% YoY
|
$103.9M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
54th in tier |
| ROA |
2.4%
+10.4% YoY+31.4% QoQ
|
+1.7% |
0.7%
-731.4% YoY
|
0.5%
+1.1% YoY
|
0.7%
+273.4% YoY
|
Top 4.8% in tier |
| NIM |
4.4%
+10.4% YoY-1.7% QoQ
|
+0.5% |
3.9%
+3.8% YoY
|
4.3%
+3.2% YoY
|
3.7%
+5.0% YoY
|
70th in tier |
| Efficiency Ratio |
67.1%
+5.8% YoY-7.7% QoQ
|
-14.3% |
81.4%
-2.4% YoY
|
82.9%
-3.6% YoY
|
79.1%
-3.3% YoY
|
25th in tier |
| Delinquency Rate |
0.9%
+21.9% YoY-29.7% QoQ
|
-0.6 |
1.5%
-2.0% YoY
|
1.8%
-12.2% YoY
|
1.2%
-0.9% YoY
|
58th in tier |
| Loan To Share |
100.1%
-7.5% YoY+5.4% QoQ
|
+38.8% |
61.2%
-3.0% YoY
|
70.9%
-2.6% YoY
|
68.0%
-1.7% YoY
|
Top 4.3% in tier |
| AMR |
$10,279
-7.9% YoY-4.8% QoQ
|
$-4K |
$14,627
-2.7% YoY
|
$13,297
+2.9% YoY
|
$19,418
+1.3% YoY
|
30th in tier |
| CD Concentration |
29.2%
+18.4% YoY+9.3% QoQ
|
+4.8% |
24.4%
+4.2% YoY
|
15.0%
+9.1% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
5.3%
+10.6% 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 (11 metrics)
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
29
Member Growth Rate
growth
Value:
31.57%
Peer Avg: 14.92%
#29 of 2596
Top 1.1% in <100M tier
30
Deposit Growth Rate
growth
Value:
26.13%
Peer Avg: 16.80%
#30 of 2596
Top 1.1% in <100M tier
31
Asset Growth Rate
growth
Value:
23.03%
Peer Avg: 1.82%
#31 of 2596
Top 1.2% in <100M tier
107
Loan-to-Share Ratio
balance_sheet
Value:
100.07%
Peer Avg: 61.23%
#107 of 2596
Top 4.1% in <100M tier
123
Loan Growth Rate
growth
Value:
16.63%
Peer Avg: 59.01%
#123 of 2596
Top 4.7% in <100M tier
125
Return on Assets (ROA)
profitability
Value:
2.37%
Peer Avg: 0.68%
#125 of 2596
Top 4.8% in <100M tier
135
Fee Income Per Member
profitability
Value:
$216.90
Peer Avg: $182.96
#135 of 2596
Top 5.2% in <100M tier
460
Net Worth Ratio
risk
Value:
21.54%
Peer Avg: 16.43%
#460 of 2596
Top 17.7% in <100M tier
Top Weaknesses (2 metrics)
2315
AMR Growth Rate
growth
Value:
-7.89%
Peer Avg: 4.67%
#2315 of 2596
Bottom 10.9% in <100M tier
2127
Share Certificate Concentration (%)
balance_sheet
Value:
29.20%
Peer Avg: 15.37%
#2127 of 2596
Bottom 18.1% in <100M tier