PUBLIX EMPLOYEES

Charter #23020 | FL

1B-3B (304 CUs) Mid-Market (380 CUs)
18 1B-3B in FL

PUBLIX EMPLOYEES has 13 strengths but faces 2 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 1.7% in tier
  • + Emerging Performer: Top 1.7% in tier
  • + Wallet Share Momentum: Top 2.9% in tier
  • + Organic Growth Leader: Top 12.8% in tier
  • + Relationship Depth Leader: Top 19.4% in tier
  • + ROA 0.40% above tier average
  • + Net Interest Margin 0.27% above tier average
  • + Strong member growth: 5.0% YoY
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Loan Growth Rate: Top 2.0% in tier
  • + AMR Growth Rate: Top 5.9% in tier
  • + Total Delinquency Rate (60+ days): Top 7.6% in tier
  • + Share Certificate Concentration (%): Top 9.9% in tier

Key Concerns

Areas that may need attention

  • - Loan-to-Member Ratio (LMR): Bottom 5.3% in tier
  • - Average Member Relationship (AMR): Bottom 7.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Members 121,710
+5.0% YoY+1.4% QoQ
 +23.0K 98,678
-1.9% YoY
 69,671
+4.3% YoY
 33,089
+6.1% YoY
 74th in tier
Assets $1.6B
+6.0% YoY+1.8% QoQ
 $-78.2M $1.7B
+0.5% YoY
 $1.1B
+3.8% YoY
 $547.7M
+7.8% YoY
 56th in tier
Loans $994.6M
+27.9% YoY+3.2% QoQ
 $-238.5M $1.2B
+0.5% YoY
 $773.4M
+7.4% YoY
 $388.7M
+8.6% YoY
 38th in tier
Deposits $1.5B
+10.7% YoY+1.1% QoQ
 $-3.3M $1.5B
+1.3% YoY
 $908.2M
+6.5% YoY
 $464.6M
+9.3% YoY
 58th in tier
ROA 1.1%
+218.7% YoY-1.2% QoQ
 +0.4% 0.7%
+13.4% YoY
 0.6%
+15.9% YoY
 0.7%
+273.4% YoY
 Top 16.8% in tier
NIM 3.5%
+11.9% YoY-0.4% QoQ
 +0.3% 3.3%
+9.3% YoY
 3.6%
+6.7% YoY
 3.7%
+5.0% YoY
 68th in tier
Efficiency Ratio 70.8%
-14.5% YoY+1.1% QoQ
 -3.1% 74.0%
-10.9% YoY
 79.0%
+0.0% YoY
 79.1%
-3.3% YoY
 34th in tier
Delinquency Rate 0.3%
-7.7% YoY+31.1% QoQ
 -0.6 0.8%
+6.1% YoY
 0.7%
+3.1% YoY
 1.2%
-0.9% YoY
 Bottom 7.6% in tier
Loan To Share 68.5%
+15.5% YoY+2.1% QoQ
 -16.7% 85.2%
-0.8% YoY
 71.2%
+0.4% YoY
 68.0%
-1.7% YoY
 Bottom 14.5% in tier
AMR $20,094
+11.5% YoY+0.5% QoQ
 $-9K $29,172
+2.8% YoY
 $22,283
+3.7% YoY
 $19,418
+1.3% YoY
 Bottom 7.6% in tier
CD Concentration 18.0%
+16.5% YoY+17.6% QoQ
 -10.9% 29.0%
+0.8% YoY
 23.4%
+4.5% YoY
 19.6%
+6.2% YoY
 Bottom 9.8% in tier
Indirect Auto % 0.0% -18.8% 18.8%
-2.8% YoY
 10.9%
-1.4% YoY
 7.9%
-2.9% YoY
 Bottom 0.0% in tier

Signature Analysis

Strengths (5)

Organic Growth Engine

growth
#13 of 246 • Top 1.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 5.04%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 1.11%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 0.00%
(Tier: 18.80%, National: 7.90%)
better than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank improving

Emerging Performer

growth
#10 of 184 • Top 1.7% in tier

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

Why This Signature
Return on Assets: 1.11%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Member Growth (YoY): 5.04%
(Tier: 3.18%, National: 9.37%)
better than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | Rank improving

Wallet Share Momentum

growth
#22 of 264 • Top 2.9% in tier

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

Why This Signature
AMR Growth (YoY): 11.47%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank improving

Organic Growth Leader

growth
#51 of 138 • Top 12.8% in tier

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

Why This Signature
Member Growth (YoY): 5.04%
(Tier: 3.18%, National: 9.37%)
better than tier avg
138 of 380 Mid-Market CUs have this signature | 608 nationally
↑ Growing +11 CUs YoY | Rank improving

Relationship Depth Leader

growth
#141 of 264 • Top 19.4% in tier

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

Why This Signature
AMR Growth (YoY): 11.47%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $1.7K
(Tier: $3.1K, National: $2.0K)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank improving

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 304 peers in tier

Top Strengths (10 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 18.32%
#1 of 304 Top 0.0% in 1B-3B tier
7
Loan Growth Rate
growth
Value: 27.85%
Peer Avg: 5.27%
#7 of 304 Top 2.0% in 1B-3B tier
19
AMR Growth Rate
growth
Value: 11.47%
Peer Avg: 3.29%
#19 of 304 Top 5.9% in 1B-3B tier
24
Total Delinquency Rate (60+ days)
risk
Value: 0.26%
Peer Avg: 0.83%
#24 of 304 Top 7.6% in 1B-3B tier
31
Share Certificate Concentration (%)
balance_sheet
Value: 18.04%
Peer Avg: 28.53%
#31 of 304 Top 9.9% in 1B-3B tier
35
Members Per Employee (MPE)
engagement
Value: 462.776
Peer Avg: 364.953
#35 of 304 Top 11.2% in 1B-3B tier
38
Deposit Growth Rate
growth
Value: 10.69%
Peer Avg: 5.58%
#38 of 304 Top 12.2% in 1B-3B tier
51
Return on Assets (ROA)
profitability
Value: 1.11%
Peer Avg: 0.70%
#51 of 304 Top 16.4% in 1B-3B tier
60
Member Growth Rate
growth
Value: 5.04%
Peer Avg: 2.20%
#60 of 304 Top 19.4% in 1B-3B tier
70
First Mortgage Concentration (%)
balance_sheet
Value: 22.46%
Peer Avg: 34.01%
#70 of 304 Top 22.7% in 1B-3B tier

Top Weaknesses (4 metrics)

289
Loan-to-Member Ratio (LMR)
engagement
Value: $8,172
Peer Avg: $13,213
#289 of 304 Bottom 5.3% in 1B-3B tier
281
Average Member Relationship (AMR)
engagement
Value: $20,094
Peer Avg: $29,172
#281 of 304 Bottom 7.9% in 1B-3B tier
260
Loan-to-Share Ratio
balance_sheet
Value: 68.54%
Peer Avg: 85.19%
#260 of 304 Bottom 14.8% in 1B-3B tier
232
Fee Income Per Member
profitability
Value: $161.94
Peer Avg: $210.52
#232 of 304 Bottom 24.0% in 1B-3B tier