BROSNAN YARD
Charter #22400 | GA
<100M
(2596 CUs)
Micro
($0-$500M)
43 <100M in GA
BROSNAN YARD has 7 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.26% above tier average
- + Net Interest Margin 0.49% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 2.6% in tier
- + Loan-to-Share Ratio: Top 7.6% in tier
- + Members Per Employee (MPE): Top 7.7% in tier
Key Concerns
Areas that may need attention
- - Member decline: -12.2% YoY
- - Member Growth Rate: Bottom 4.3% in tier
- - Share Certificate Concentration (%): Bottom 4.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,196
-12.2% YoY-12.4% QoQ
|
-1.4K |
2,625
-2.2% YoY
|
30,529
+3.7% YoY
|
33,089
+6.1% YoY
|
33rd in tier |
| Assets |
$5.7M
+4.9% YoY-6.5% QoQ
|
$-24.2M |
$29.9M
+1.1% YoY
|
$489.5M
+5.8% YoY
|
$547.7M
+7.8% YoY
|
Bottom 21.8% in tier |
| Loans |
$4.4M
+6.4% YoY+4.2% QoQ
|
$-11.4M |
$15.8M
-2.4% YoY
|
$335.0M
+9.2% YoY
|
$388.7M
+8.6% YoY
|
31st in tier |
| Deposits |
$4.7M
+3.4% YoY-8.3% QoQ
|
$-20.8M |
$25.5M
+0.4% YoY
|
$419.7M
+4.9% YoY
|
$464.6M
+9.3% YoY
|
Bottom 22.3% in tier |
| ROA |
0.9%
-59.6% YoY+26.5% QoQ
|
+0.3% |
0.7%
-731.4% YoY
|
1.1%
+41.8% YoY
|
0.7%
+273.4% YoY
|
58th in tier |
| NIM |
4.4%
-18.3% YoY+6.3% QoQ
|
+0.5% |
3.9%
+3.8% YoY
|
4.2%
+4.4% YoY
|
3.7%
+5.0% YoY
|
71st in tier |
| Efficiency Ratio |
69.1%
+20.0% YoY-2.6% QoQ
|
-12.3% |
81.4%
-2.4% YoY
|
76.7%
+1.1% YoY
|
79.1%
-3.3% YoY
|
30th in tier |
| Delinquency Rate |
1.1%
-3.2% YoY-17.6% QoQ
|
-0.4 |
1.5%
-2.0% YoY
|
1.3%
+2.5% YoY
|
1.2%
-0.9% YoY
|
64th in tier |
| Loan To Share |
94.2%
+2.9% YoY+13.7% QoQ
|
+33.0% |
61.2%
-3.0% YoY
|
72.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
Top 7.8% in tier |
| AMR |
$7,598
+19.4% YoY+11.2% QoQ
|
$-7K |
$14,627
-2.7% YoY
|
$17,296
+4.1% YoY
|
$19,418
+1.3% YoY
|
Bottom 17.6% in tier |
| CD Concentration |
47.0%
+23.6% YoY-7.2% QoQ
|
+22.6% |
24.4%
+4.2% YoY
|
19.9%
+4.7% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
4.6%
+4.3% 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 (6 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
68
AMR Growth Rate
growth
Value:
19.39%
Peer Avg: 4.67%
#68 of 2596
Top 2.6% in <100M tier
198
Loan-to-Share Ratio
balance_sheet
Value:
94.22%
Peer Avg: 61.23%
#198 of 2596
Top 7.6% in <100M tier
201
Members Per Employee (MPE)
engagement
Value:
598.000
Peer Avg: 365.701
#201 of 2596
Top 7.7% in <100M tier
446
Loan Growth Rate
growth
Value:
6.38%
Peer Avg: 59.01%
#446 of 2596
Top 17.1% in <100M tier
Top Weaknesses (7 metrics)
2486
Member Growth Rate
growth
Value:
-12.19%
Peer Avg: 14.92%
#2486 of 2596
Bottom 4.3% in <100M tier
2477
Share Certificate Concentration (%)
balance_sheet
Value:
47.03%
Peer Avg: 15.37%
#2477 of 2596
Bottom 4.6% in <100M tier
2138
Average Member Relationship (AMR)
engagement
Value:
$7,598
Peer Avg: $14,627
#2138 of 2596
Bottom 17.7% in <100M tier
2030
Total Assets
balance_sheet
Value:
$5.66M
Peer Avg: $29.86M
#2030 of 2596
Bottom 21.8% in <100M tier
2017
Total Deposits
balance_sheet
Value:
$4.68M
Peer Avg: $25.45M
#2017 of 2596
Bottom 22.3% in <100M tier
1991
Fee Income Per Member
profitability
Value:
$15.19
Peer Avg: $182.96
#1991 of 2596
Bottom 23.3% in <100M tier
1964
Net Charge-Off Rate
risk
Value:
0.64%
Peer Avg: 0.57%
#1964 of 2596
Bottom 24.4% in <100M tier