ADVANCIAL

Charter #2285 | TX

1B-3B (304 CUs) Mid-Market (380 CUs)
26 1B-3B in TX

ADVANCIAL has 4 strengths but faces 11 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 23.2% in tier
  • + Strong member growth: 6.7% YoY
  • + Loan-to-Share Ratio: Top 2.3% in tier
  • + Total Loans: Top 7.6% in tier

Key Concerns

Areas that may need attention

  • - Shrinking Wallet Share: Bottom 3.3% in tier
  • - Deposit Outflow: Bottom 4.1% in tier
  • - Liquidity Strain: Bottom 12.0% in tier
  • - Indirect Auto Dependency: Bottom 31.3% in tier
  • - ROA 0.48% below tier average
  • - Efficiency ratio 4.73% above tier (higher cost structure)
  • - Delinquency rate 0.21% above tier average
  • - Net Worth Ratio: Bottom 1.0% in tier
  • - AMR Growth Rate: Bottom 3.9% in tier
  • - Share Certificate Concentration (%): Bottom 3.9% in tier
  • - Deposit Growth Rate: Bottom 5.6% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Members 138,256
+6.7% YoY+1.7% QoQ
 +39.6K 98,678
-1.9% YoY
 26,896
+3.7% YoY
 33,089
+6.1% YoY
 Top 16.4% in tier
Assets $2.4B
-1.2% YoY-0.1% QoQ
 +$655.5M $1.7B
+0.5% YoY
 $411.3M
+5.9% YoY
 $547.7M
+7.8% YoY
 Top 19.1% in tier
Loans $2.0B
-0.9% YoY-0.0% QoQ
 +$799.5M $1.2B
+0.5% YoY
 $295.8M
+5.3% YoY
 $388.7M
+8.6% YoY
 Top 7.9% in tier
Deposits $1.9B
-3.0% YoY-2.1% QoQ
 +$428.3M $1.5B
+1.3% YoY
 $341.5M
+6.1% YoY
 $464.6M
+9.3% YoY
 Top 24.0% in tier
ROA 0.2%
-174.4% YoY+12.8% QoQ
 -0.5% 0.7%
+13.4% YoY
 0.5%
-24.0% YoY
 0.7%
+273.4% YoY
 Bottom 10.5% in tier
NIM 3.1%
+16.3% YoY+0.7% QoQ
 -0.2% 3.3%
+9.3% YoY
 3.9%
+4.3% YoY
 3.7%
+5.0% YoY
 31st in tier
Efficiency Ratio 78.7%
+0.5% YoY+0.4% QoQ
 +4.7% 74.0%
-10.9% YoY
 79.6%
-0.9% YoY
 79.1%
-3.3% YoY
 67th in tier
Delinquency Rate 1.0%
-4.8% YoY-3.6% QoQ
 +0.2 0.8%
+6.1% YoY
 1.2%
+20.3% YoY
 1.2%
-0.9% YoY
 Top 23.0% in tier
Loan To Share 108.0%
+2.2% YoY+2.1% QoQ
 +22.8% 85.2%
-0.8% YoY
 71.8%
-2.5% YoY
 68.0%
-1.7% YoY
 Top 2.6% in tier
AMR $28,319
-8.1% YoY-2.6% QoQ
 $-853 $29,172
+2.8% YoY
 $17,515
+1.3% YoY
 $19,418
+1.3% YoY
 57th in tier
CD Concentration 46.9%
-7.4% YoY+0.6% QoQ
 +17.9% 29.0%
+0.8% YoY
 20.9%
+7.1% YoY
 19.6%
+6.2% YoY
 Top 4.2% in tier
Indirect Auto % 27.6%
-3.6% YoY-6.5% QoQ
 +8.8% 18.8%
-2.8% YoY
 7.2%
-0.2% YoY
 7.9%
-2.9% YoY
 71st in tier

Signature Analysis

Strengths (1)

Organic Growth Engine

growth
#169 of 246 • Top 23.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 6.70%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 0.23%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 27.63%
(Tier: 18.80%, National: 7.90%)
but worse than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | New qualifier

Concerns (4)

Shrinking Wallet Share

decline
#11 of 83 • Bottom 3.3% in tier

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

Why This Signature
AMR Growth (YoY): -8.07%
(Tier: 3.04%, National: 4.19%)
worse than tier avg
83 of 380 Mid-Market CUs have this signature | 346 nationally
↓ Shrinking -55 CUs YoY | New qualifier

Deposit Outflow

decline
#6 of 25 • Bottom 4.1% in tier

Members staying but deposits leaving. They're losing to higher-yield competitors - rate pressure is real.

Why This Signature
Deposit Growth (YoY): -3.00%
(Tier: 6.24%, National: 12.00%)
worse than tier avg
Total Assets: $2.38B
(Tier: $1.72B, National: $547.69M)
but better than tier avg
25 of 380 Mid-Market CUs have this signature | 143 nationally
↓ Shrinking -42 CUs YoY | New qualifier

Liquidity Strain

risk
#64 of 183 • Bottom 12.0% in tier

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

Why This Signature
Loan-to-Share Ratio: 107.96%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): -0.88%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY | Rank worsening

Indirect Auto Dependency

risk
#194 of 202 • Bottom 31.3% in tier

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

Why This Signature
Asset Growth (YoY): -1.18%
(Tier: 5.36%, National: 3.04%)
worse than tier avg
Indirect Auto %: 27.63%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 6.70%
(Tier: 3.18%, National: 9.37%)
but better than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank worsening

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 304 peers in tier

Top Strengths (7 metrics)

8
Loan-to-Share Ratio
balance_sheet
Value: 107.96%
Peer Avg: 85.19%
#8 of 304 Top 2.3% in 1B-3B tier
24
Total Loans
balance_sheet
Value: $2.03B
Peer Avg: $1.23B
#24 of 304 Top 7.6% in 1B-3B tier
39
Member Growth Rate
growth
Value: 6.70%
Peer Avg: 2.20%
#39 of 304 Top 12.5% in 1B-3B tier
43
Members Per Employee (MPE)
engagement
Value: 447.430
Peer Avg: 364.953
#43 of 304 Top 13.8% in 1B-3B tier
50
Total Members
engagement
Value: 138,256
Peer Avg: 98,678
#50 of 304 Top 16.1% in 1B-3B tier
58
Total Assets
balance_sheet
Value: $2.38B
Peer Avg: $1.72B
#58 of 304 Top 18.8% in 1B-3B tier
73
Total Deposits
balance_sheet
Value: $1.88B
Peer Avg: $1.45B
#73 of 304 Top 23.7% in 1B-3B tier

Top Weaknesses (8 metrics)

302
Net Worth Ratio
risk
Value: 7.74%
Peer Avg: 11.44%
#302 of 304 Bottom 1.0% in 1B-3B tier
293
AMR Growth Rate
growth
Value: -8.07%
Peer Avg: 3.29%
#293 of 304 Bottom 3.9% in 1B-3B tier
293
Share Certificate Concentration (%)
balance_sheet
Value: 46.89%
Peer Avg: 28.53%
#293 of 304 Bottom 3.9% in 1B-3B tier
288
Deposit Growth Rate
growth
Value: -3.00%
Peer Avg: 5.58%
#288 of 304 Bottom 5.6% in 1B-3B tier
272
Return on Assets (ROA)
profitability
Value: 0.23%
Peer Avg: 0.70%
#272 of 304 Bottom 10.9% in 1B-3B tier
267
Asset Growth Rate
growth
Value: -1.18%
Peer Avg: 4.83%
#267 of 304 Bottom 12.5% in 1B-3B tier
243
Loan Growth Rate
growth
Value: -0.88%
Peer Avg: 5.27%
#243 of 304 Bottom 20.4% in 1B-3B tier
235
Total Delinquency Rate (60+ days)
risk
Value: 1.04%
Peer Avg: 0.83%
#235 of 304 Bottom 23.0% in 1B-3B tier