DIGITAL

Charter #23521 | MA

10B+ (21 CUs) Titans (21 CUs)
1 10B+ in MA

DIGITAL has 7 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 13.3% in tier
  • + Organic Growth Engine: Top 22.2% in tier
  • + Organic Growth Leader: Top 22.9% in tier
  • + ROA 0.05% above tier average
  • + Net Interest Margin 0.84% above tier average
  • + Share Certificate Concentration (%): Top 4.8% in tier
  • + Members Per Employee (MPE): Top 9.5% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 15.7% in tier
  • - Liquidity Strain: Bottom 25.0% in tier
  • - Fee Income Per Member: Bottom 9.5% in tier
  • - Loan Growth Rate: Bottom 9.5% in tier
  • - Average Member Relationship (AMR): Bottom 9.5% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 9.5% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Members 1,189,016
+3.0% YoY+1.2% QoQ
 -633.4K 1,822,416
+4.1% YoY
 27,447
+2.6% YoY
 33,089
+6.1% YoY
 57th in tier
Assets $12.9B
+6.1% YoY+1.1% QoQ
 $-15.9B $28.7B
+4.2% YoY
 $440.2M
+4.2% YoY
 $547.7M
+7.8% YoY
 Bottom 9.5% in tier
Loans $10.8B
-0.3% YoY+0.4% QoQ
 $-10.3B $21.1B
+5.8% YoY
 $341.2M
+2.4% YoY
 $388.7M
+8.6% YoY
 Bottom 19.0% in tier
Deposits $11.4B
+7.3% YoY+0.2% QoQ
 $-13.0B $24.4B
+7.2% YoY
 $366.8M
+5.5% YoY
 $464.6M
+9.3% YoY
 Bottom 19.0% in tier
ROA 0.8%
+17.0% YoY+1.3% QoQ
 +0.1% 0.8%
+17.7% YoY
 0.7%
+17.3% YoY
 0.7%
+273.4% YoY
 57th in tier
NIM 3.9%
+3.0% YoY+1.5% QoQ
 +0.8% 3.1%
+10.6% YoY
 3.3%
+3.8% YoY
 3.7%
+5.0% YoY
 Top 9.5% in tier
Efficiency Ratio 61.9%
-7.9% YoY+0.4% QoQ
 -2.3% 64.3%
-4.3% YoY
 80.4%
-4.7% YoY
 79.1%
-3.3% YoY
 48th in tier
Delinquency Rate 1.2%
+8.2% YoY+4.9% QoQ
 -0.0 1.2%
+9.7% YoY
 0.9%
-6.0% YoY
 1.2%
-0.9% YoY
 48th in tier
Loan To Share 94.4%
-7.1% YoY+0.2% QoQ
 +4.6% 89.8%
-0.3% YoY
 74.2%
-1.7% YoY
 68.0%
-1.7% YoY
 67th in tier
AMR $18,645
+0.5% YoY-0.9% QoQ
 $-13K $31,184
+7.8% YoY
 $24,707
+3.7% YoY
 $19,418
+1.3% YoY
 Bottom 4.8% in tier
CD Concentration 15.8%
+19.3% YoY+2.8% QoQ
 -16.1% 31.9%
+2.0% YoY
 24.8%
+8.8% YoY
 19.6%
+6.2% YoY
 Bottom 4.8% in tier
Indirect Auto % 3.7%
-0.1% YoY-0.8% QoQ
 -10.6% 14.2%
-8.9% YoY
 2.6%
-15.5% YoY
 7.9%
-2.9% YoY
 Bottom 23.8% in tier

Signature Analysis

Strengths (3)

Emerging Performer

growth
#5 of 10 • Top 13.3% in tier

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

Why This Signature
Return on Assets: 0.82%
(Tier: 0.76%, National: 0.71%)
better than tier avg
Member Growth (YoY): 3.00%
(Tier: 3.59%, National: 9.37%)
but worse than tier avg
10 of 21 Titans CUs have this signature | 852 nationally
→ Stable (10→10 CUs)

Organic Growth Engine

growth
#13 of 18 • Top 22.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 3.00%
(Tier: 3.59%, National: 9.37%)
but worse than tier avg
Return on Assets: 0.82%
(Tier: 0.76%, National: 0.71%)
better than tier avg
Indirect Auto %: 3.68%
(Tier: 14.25%, National: 7.90%)
better than tier avg
18 of 21 Titans CUs have this signature | 917 nationally
→ Stable (18→18 CUs) | Rank worsening

Organic Growth Leader

growth
#9 of 12 • Top 22.9% in tier

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

Why This Signature
Member Growth (YoY): 3.00%
(Tier: 3.59%, National: 9.37%)
but worse than tier avg
12 of 21 Titans CUs have this signature | 608 nationally
→ Stable (11→12 CUs) +1 CUs YoY

Concerns (2)

Credit Quality Pressure

risk
#9 of 15 • Bottom 15.7% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.09% points
(Tier: 0.10% points, National: 0.07% points)
but better than tier avg
15 of 21 Titans CUs have this signature | 1002 nationally
↓ Shrinking -6 CUs YoY

Liquidity Strain

risk
#9 of 11 • Bottom 25.0% in tier

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

Why This Signature
Loan-to-Share Ratio: 94.38%
(Tier: 89.80%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): -0.33%
(Tier: 6.37%, National: 36.38%)
worse than tier avg
11 of 21 Titans CUs have this signature | 484 nationally
→ Stable (11→11 CUs) | 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 21 peers in tier

Top Strengths (5 metrics)

2
Net Interest Margin (NIM)
profitability
Value: 3.95%
Peer Avg: 3.11%
#2 of 21 Top 4.8% in 10B+ tier
2
Share Certificate Concentration (%)
balance_sheet
Value: 15.82%
Peer Avg: 31.91%
#2 of 21 Top 4.8% in 10B+ tier
3
Members Per Employee (MPE)
engagement
Value: 684.917
Peer Avg: 499.855
#3 of 21 Top 9.5% in 10B+ tier
5
First Mortgage Concentration (%)
balance_sheet
Value: 32.10%
Peer Avg: 41.28%
#5 of 21 Top 19.0% in 10B+ tier
6
Indirect Auto Concentration (%)
balance_sheet
Value: 3.68%
Peer Avg: 14.25%
#6 of 21 Top 23.8% in 10B+ tier

Top Weaknesses (7 metrics)

20
Fee Income Per Member
profitability
Value: $63.13
Peer Avg: $171.28
#20 of 21 Bottom 9.5% in 10B+ tier
20
Loan Growth Rate
growth
Value: -0.33%
Peer Avg: 6.37%
#20 of 21 Bottom 9.5% in 10B+ tier
20
Average Member Relationship (AMR)
engagement
Value: $18,645
Peer Avg: $31,184
#20 of 21 Bottom 9.5% in 10B+ tier
20
Loan-to-Member Ratio (LMR)
engagement
Value: $9,053
Peer Avg: $14,676
#20 of 21 Bottom 9.5% in 10B+ tier
19
Total Assets
balance_sheet
Value: $12.86B
Peer Avg: $28.72B
#19 of 21 Bottom 14.3% in 10B+ tier
17
Total Loans
balance_sheet
Value: $10.76B
Peer Avg: $21.09B
#17 of 21 Bottom 23.8% in 10B+ tier
17
Total Deposits
balance_sheet
Value: $11.40B
Peer Avg: $24.43B
#17 of 21 Bottom 23.8% in 10B+ tier