MAGNOLIA

Charter #224 | MS

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

MAGNOLIA has 14 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 0.0% in tier
  • + Organic Growth Engine: Top 1.4% in tier
  • + Wallet Share Momentum: Top 20.3% in tier
  • + Relationship Depth Leader: Top 32.5% in tier
  • + ROA 2.11% above tier average
  • + Net Interest Margin 1.99% above tier average
  • + Strong member growth: 9.1% YoY
  • + Fee Income Per Member: Top 2.1% in tier
  • + Net Worth Ratio: Top 2.3% in tier
  • + First Mortgage Concentration (%): Top 3.4% in tier
  • + Loan Growth Rate: Top 3.8% in tier
  • + Efficiency Ratio: Top 4.0% in tier
  • + Member Growth Rate: Top 4.0% in tier
  • + Asset Growth Rate: Top 7.5% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 3.7% in tier
  • - Liquidity Overhang: Bottom 14.9% in tier
  • - Liquidity Strain: Bottom 18.3% in tier
  • - Average Member Relationship (AMR): Bottom 2.2% in tier
  • - Net Charge-Off Rate: Bottom 3.9% in tier
  • - Indirect Auto Concentration (%): Bottom 9.4% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
Members 21,438
+9.1% YoY-17.9% QoQ
 +5.8K 15,628
-3.4% YoY
 14,577
+18.5% YoY
 33,089
+6.1% YoY
 Top 21.1% in tier
Assets $173.9M
+11.3% YoY-0.1% QoQ
 $-57.4M $231.3M
-0.0% YoY
 $171.7M
+26.4% YoY
 $547.7M
+7.8% YoY
 40th in tier
Loans $122.4M
+19.1% YoY+1.2% QoQ
 $-25.4M $147.8M
-1.4% YoY
 $115.7M
+25.1% YoY
 $388.7M
+8.6% YoY
 49th in tier
Deposits $134.1M
+9.1% YoY+0.1% QoQ
 $-66.2M $200.3M
-0.0% YoY
 $135.7M
+26.5% YoY
 $464.6M
+9.3% YoY
 32nd in tier
ROA 2.9%
+45.0% YoY-9.9% QoQ
 +2.1% 0.8%
+15.5% YoY
 0.9%
+335.0% YoY
 0.7%
+273.4% YoY
 Top 0.6% in tier
NIM 5.6%
-5.9% YoY-2.6% QoQ
 +2.0% 3.6%
+6.9% YoY
 4.4%
+3.2% YoY
 3.7%
+5.0% YoY
 Top 0.6% in tier
Efficiency Ratio 54.6%
-7.8% YoY+2.8% QoQ
 -22.7% 77.3%
-3.0% YoY
 78.7%
-9.5% YoY
 79.1%
-3.3% YoY
 Bottom 4.0% in tier
Delinquency Rate 0.7%
-16.0% YoY+10.7% QoQ
 -0.2 0.9%
+7.6% YoY
 1.7%
-11.9% YoY
 1.2%
-0.9% YoY
 50th in tier
Loan To Share 91.3%
+9.2% YoY+1.1% QoQ
 +18.6% 72.7%
-1.5% YoY
 68.6%
-0.4% YoY
 68.0%
-1.7% YoY
 Top 13.4% in tier
AMR $11,966
+4.2% YoY+22.5% QoQ
 $-12K $24,363
+2.9% YoY
 $12,163
+4.6% YoY
 $19,418
+1.3% YoY
 Bottom 2.1% in tier
CD Concentration 14.8%
+39.8% YoY+7.8% QoQ
 -9.6% 24.4%
+4.2% YoY
 19.3%
+9.2% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 38.4%
+18.5% YoY+2.8% QoQ
 +24.4% 14.0%
-5.8% YoY
 2.5%
+12.7% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (4)

Emerging Performer

growth
#2 of 627 • Top 0.0% in tier

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

Why This Signature
Return on Assets: 2.89%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): 9.08%
(Tier: 0.88%, National: 9.37%)
better than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank improving

Organic Growth Engine

growth
#26 of 603 • Top 1.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 9.08%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 2.89%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 38.39%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Wallet Share Momentum

growth
#561 of 1006 • Top 20.3% in tier

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

Why This Signature
AMR Growth (YoY): 4.21%
(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
#895 of 1006 • Top 32.5% in tier

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

Why This Signature
AMR Growth (YoY): 4.21%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $1.3K
(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 (3)

Indirect Auto Dependency

risk
#60 of 525 • Bottom 3.7% in tier

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

Why This Signature
Asset Growth (YoY): 11.28%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 38.39%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 9.08%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank improving

Liquidity Overhang

risk
#232 of 552 • Bottom 14.9% 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: 21.23%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 91.29%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank worsening

Liquidity Strain

risk
#143 of 258 • Bottom 18.3% in tier

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

Why This Signature
Loan-to-Share Ratio: 91.29%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 19.14%
(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

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 (13 metrics)

6
Return on Assets (ROA)
profitability
Value: 2.89%
Peer Avg: 0.79%
#6 of 1077 Top 0.5% in 100M-500M tier
6
Net Interest Margin (NIM)
profitability
Value: 5.58%
Peer Avg: 3.58%
#6 of 1077 Top 0.5% in 100M-500M tier
24
Fee Income Per Member
profitability
Value: $366.21
Peer Avg: $174.31
#24 of 1077 Top 2.1% in 100M-500M tier
26
Net Worth Ratio
risk
Value: 21.23%
Peer Avg: 12.15%
#26 of 1077 Top 2.3% in 100M-500M tier
38
First Mortgage Concentration (%)
balance_sheet
Value: 2.39%
Peer Avg: 30.43%
#38 of 1077 Top 3.4% in 100M-500M tier
42
Loan Growth Rate
growth
Value: 19.14%
Peer Avg: 3.45%
#42 of 1077 Top 3.8% in 100M-500M tier
44
Efficiency Ratio
profitability
Value: 54.60%
Peer Avg: 77.28%
#44 of 1077 Top 4.0% in 100M-500M tier
44
Member Growth Rate
growth
Value: 9.08%
Peer Avg: 0.72%
#44 of 1077 Top 4.0% in 100M-500M tier
82
Asset Growth Rate
growth
Value: 11.28%
Peer Avg: 4.70%
#82 of 1077 Top 7.5% in 100M-500M tier
144
Loan-to-Share Ratio
balance_sheet
Value: 91.29%
Peer Avg: 72.70%
#144 of 1077 Top 13.3% in 100M-500M tier

Top Weaknesses (4 metrics)

1054
Average Member Relationship (AMR)
engagement
Value: $11,966
Peer Avg: $24,363
#1054 of 1077 Bottom 2.2% in 100M-500M tier
1036
Net Charge-Off Rate
risk
Value: 1.47%
Peer Avg: 0.47%
#1036 of 1077 Bottom 3.9% in 100M-500M tier
977
Indirect Auto Concentration (%)
balance_sheet
Value: 38.39%
Peer Avg: 13.34%
#977 of 1077 Bottom 9.4% in 100M-500M tier
958
Loan-to-Member Ratio (LMR)
engagement
Value: $5,711
Peer Avg: $10,245
#958 of 1077 Bottom 11.1% in 100M-500M tier