AMERICAN PARTNERS

Charter #22119 | NC

100M-500M (1077 CUs) Micro
12 100M-500M in NC

AMERICAN PARTNERS has 7 strengths but faces 10 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 0.7% in tier
  • + Organic Growth Engine: Top 3.3% in tier
  • + Emerging Performer: Top 7.2% in tier
  • + Net Interest Margin 0.56% above tier average
  • + Strong member growth: 25.2% YoY
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Member Growth Rate: Top 1.8% in tier

Key Concerns

Areas that may need attention

  • - Shrinking Wallet Share: Bottom 1.7% in tier
  • - Growth-at-Risk: Bottom 12.9% in tier
  • - Liquidity Strain: Bottom 21.8% in tier
  • - Credit Quality Pressure: Bottom 23.2% in tier
  • - Efficiency Drag: Bottom 25.6% in tier
  • - ROA 0.07% below tier average
  • - Efficiency ratio 7.50% above tier (higher cost structure)
  • - AMR Growth Rate: Bottom 1.5% in tier
  • - Total Assets: Bottom 2.4% in tier
  • - Total Deposits: Bottom 4.2% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (NC) National Avg Tier Percentile
Members 11,415
+25.2% YoY+4.9% QoQ
 -4.2K 15,628
-3.4% YoY
 91,841
+6.6% YoY
 33,089
+6.1% YoY
 38th in tier
Assets $103.9M
+5.3% YoY-4.3% QoQ
 $-127.4M $231.3M
-0.0% YoY
 $1.5B
+5.5% YoY
 $547.7M
+7.8% YoY
 Bottom 2.3% in tier
Loans $83.2M
+11.9% YoY+5.6% QoQ
 $-64.6M $147.8M
-1.4% YoY
 $1.1B
+9.9% YoY
 $388.7M
+8.6% YoY
 Bottom 23.7% in tier
Deposits $91.7M
+8.9% YoY-4.7% QoQ
 $-108.6M $200.3M
-0.0% YoY
 $1.3B
+12.1% YoY
 $464.6M
+9.3% YoY
 Bottom 4.1% in tier
ROA 0.7%
+50.4% YoY-5.7% QoQ
 -0.1% 0.8%
+15.5% YoY
 0.4%
-19.0% YoY
 0.7%
+273.4% YoY
 47th in tier
NIM 4.1%
+11.5% YoY+6.0% QoQ
 +0.6% 3.6%
+6.9% YoY
 4.1%
+4.0% YoY
 3.7%
+5.0% YoY
 Top 19.4% in tier
Efficiency Ratio 84.8%
+0.7% YoY-0.2% QoQ
 +7.5% 77.3%
-3.0% YoY
 81.5%
-1.2% YoY
 79.1%
-3.3% YoY
 Top 24.1% in tier
Delinquency Rate 0.8%
+7.9% YoY+117.7% QoQ
 -0.1 0.9%
+7.6% YoY
 1.5%
+2.4% YoY
 1.2%
-0.9% YoY
 57th in tier
Loan To Share 90.7%
+2.7% YoY+10.8% QoQ
 +18.0% 72.7%
-1.5% YoY
 76.3%
+1.1% YoY
 68.0%
-1.7% YoY
 Top 14.4% in tier
AMR $15,321
-11.9% YoY-4.7% QoQ
 $-9K $24,363
+2.9% YoY
 $17,441
+4.0% YoY
 $19,418
+1.3% YoY
 Bottom 10.9% in tier
CD Concentration 23.7%
-29.7% YoY-11.9% QoQ
 -0.7% 24.4%
+4.2% YoY
 20.6%
+2.2% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 5.3%
-2.9% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Organic Growth Leader

growth
#10 of 430 • Top 0.7% in tier

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

Why This Signature
Member Growth (YoY): 25.19%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 1077 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | New qualifier

Organic Growth Engine

growth
#61 of 603 • Top 3.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 25.19%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.72%
(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 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Emerging Performer

growth
#136 of 627 • Top 7.2% in tier

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

Why This Signature
Return on Assets: 0.72%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): 25.19%
(Tier: 0.88%, National: 9.37%)
better than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | New qualifier

Concerns (5)

Shrinking Wallet Share

decline
#18 of 244 • Bottom 1.7% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -11.88%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 1077 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY | New qualifier

Growth-at-Risk

risk
#194 of 446 • Bottom 12.9% in tier

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

Why This Signature
Loan Growth (YoY): 11.90%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.06% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 1077 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | New qualifier

Liquidity Strain

risk
#170 of 258 • Bottom 21.8% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 90.71%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 11.90%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
258 of 1077 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | New qualifier

Credit Quality Pressure

risk
#576 of 736 • Bottom 23.2% in tier

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

Why This Signature
Delinquency Change (YoY): 0.06% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | New qualifier

Efficiency Drag

risk
#452 of 521 • Bottom 25.6% in tier

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

Why This Signature
Efficiency Ratio: 84.78%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.24% points
(Tier: 0.11% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): 25.19%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | New qualifier

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 (7 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
20
Member Growth Rate
growth
Value: 25.19%
Peer Avg: 0.72%
#20 of 1077 Top 1.8% in 100M-500M tier
115
Loan Growth Rate
growth
Value: 11.90%
Peer Avg: 3.45%
#115 of 1077 Top 10.6% in 100M-500M tier
155
Loan-to-Share Ratio
balance_sheet
Value: 90.71%
Peer Avg: 72.70%
#155 of 1077 Top 14.3% in 100M-500M tier
170
Deposit Growth Rate
growth
Value: 8.92%
Peer Avg: 4.69%
#170 of 1077 Top 15.7% in 100M-500M tier
193
Net Charge-Off Rate
risk
Value: 0.12%
Peer Avg: 0.47%
#193 of 1077 Top 17.8% in 100M-500M tier
209
Net Interest Margin (NIM)
profitability
Value: 4.14%
Peer Avg: 3.58%
#209 of 1077 Top 19.3% in 100M-500M tier

Top Weaknesses (6 metrics)

1062
AMR Growth Rate
growth
Value: -11.88%
Peer Avg: 3.64%
#1062 of 1077 Bottom 1.5% in 100M-500M tier
1052
Total Assets
balance_sheet
Value: $103.94M
Peer Avg: $231.30M
#1052 of 1077 Bottom 2.4% in 100M-500M tier
1033
Total Deposits
balance_sheet
Value: $91.70M
Peer Avg: $200.29M
#1033 of 1077 Bottom 4.2% in 100M-500M tier
960
Average Member Relationship (AMR)
engagement
Value: $15,321
Peer Avg: $24,363
#960 of 1077 Bottom 11.0% in 100M-500M tier
822
Total Loans
balance_sheet
Value: $83.19M
Peer Avg: $147.80M
#822 of 1077 Bottom 23.8% in 100M-500M tier
818
Efficiency Ratio
profitability
Value: 84.78%
Peer Avg: 77.28%
#818 of 1077 Bottom 24.1% in 100M-500M tier