KOREAN CATHOLIC

Charter #22700 | MD

<100M (2596 CUs) Micro
28 <100M in MD

KOREAN CATHOLIC has 5 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.00% above tier average
  • + Total Delinquency Rate (60+ days): Top 0.0% in tier
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + First Mortgage Concentration (%): Top 0.0% in tier
  • + Net Charge-Off Rate: Top 9.4% in tier

Key Concerns

Areas that may need attention

  • - Efficiency ratio 25.71% above tier (higher cost structure)
  • - Member decline: -9.1% YoY
  • - Loan Growth Rate: Bottom 4.0% in tier
  • - Member Growth Rate: Bottom 7.0% in tier
  • - Total Members: Bottom 8.4% in tier
  • - Total Assets: Bottom 9.7% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
Members 311
-9.1% YoY-7.7% QoQ
 -2.3K 2,625
-2.2% YoY
 34,720
+7.7% YoY
 33,089
+6.1% YoY
 Bottom 8.3% in tier
Assets $2.0M
-4.6% YoY-4.6% QoQ
 $-27.9M $29.9M
+1.1% YoY
 $624.1M
+9.4% YoY
 $547.7M
+7.8% YoY
 Bottom 9.6% in tier
Loans $930,297
-25.0% YoY-6.6% QoQ
 $-14.8M $15.8M
-2.4% YoY
 $452.1M
+10.3% YoY
 $388.7M
+8.6% YoY
 Bottom 11.0% in tier
Deposits $1.7M
-5.5% YoY-5.0% QoQ
 $-23.7M $25.5M
+0.4% YoY
 $528.8M
+10.3% YoY
 $464.6M
+9.3% YoY
 Bottom 11.0% in tier
ROA 0.7%
-135.0% YoY-32.7% QoQ
 +0.0% 0.7%
-731.4% YoY
 0.6%
+23.1% YoY
 0.7%
+273.4% YoY
 46th in tier
NIM 3.1%
-2.9% YoY+3.4% QoQ
 -0.8% 3.9%
+3.8% YoY
 3.5%
+4.2% YoY
 3.7%
+5.0% YoY
 Bottom 20.9% in tier
Efficiency Ratio 107.1%
-23.0% YoY-1.4% QoQ
 +25.7% 81.4%
-2.4% YoY
 78.6%
-6.6% YoY
 79.1%
-3.3% YoY
 Top 7.1% in tier
Delinquency Rate 0.0% -1.5 1.5%
-2.0% YoY
 1.2%
+5.3% YoY
 1.2%
-0.9% YoY
 Bottom 0.0% in tier
Loan To Share 53.3%
-20.6% YoY-1.7% QoQ
 -8.0% 61.2%
-3.0% YoY
 65.0%
-0.2% YoY
 68.0%
-1.7% YoY
 37th in tier
AMR $8,607
-4.6% YoY+2.4% QoQ
 $-6K $14,627
-2.7% YoY
 $20,685
+4.6% YoY
 $19,418
+1.3% YoY
 Bottom 22.0% in tier
CD Concentration 15.1%
+467.0% QoQ
 -9.3% 24.4%
+4.2% YoY
 20.4%
+10.6% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 7.4%
+4.0% 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)

Comparing against 2596 peers in tier

Top Strengths (4 metrics)

1
Total Delinquency Rate (60+ days)
risk
Value: 0.00%
Peer Avg: 1.51%
#1 of 2596 Top 0.0% in <100M tier
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
246
Net Charge-Off Rate
risk
Value: 0.00%
Peer Avg: 0.57%
#246 of 2596 Top 9.4% in <100M tier

Top Weaknesses (14 metrics)

2492
Loan Growth Rate
growth
Value: -24.95%
Peer Avg: 59.01%
#2492 of 2596 Bottom 4.0% in <100M tier
2416
Member Growth Rate
growth
Value: -9.06%
Peer Avg: 14.92%
#2416 of 2596 Bottom 7.0% in <100M tier
2413
Efficiency Ratio
profitability
Value: 107.10%
Peer Avg: 81.39%
#2413 of 2596 Bottom 7.1% in <100M tier
2380
Total Members
engagement
Value: 311
Peer Avg: 2,626
#2380 of 2596 Bottom 8.4% in <100M tier
2346
Total Assets
balance_sheet
Value: $1.97M
Peer Avg: $29.86M
#2346 of 2596 Bottom 9.7% in <100M tier
2337
Members Per Employee (MPE)
engagement
Value: 155.500
Peer Avg: 365.701
#2337 of 2596 Bottom 10.0% in <100M tier
2311
Total Loans
balance_sheet
Value: $930,297
Peer Avg: $15.77M
#2311 of 2596 Bottom 11.0% in <100M tier
2310
Total Deposits
balance_sheet
Value: $1.75M
Peer Avg: $25.45M
#2310 of 2596 Bottom 11.1% in <100M tier
2197
Asset Growth Rate
growth
Value: -4.57%
Peer Avg: 1.82%
#2197 of 2596 Bottom 15.4% in <100M tier
2183
Deposit Growth Rate
growth
Value: -5.46%
Peer Avg: 16.80%
#2183 of 2596 Bottom 15.9% in <100M tier