SCIENT

Charter #24029 | CT

100M-500M (1077 CUs) Micro
16 100M-500M in CT

SCIENT has 3 strengths but faces 9 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Loan-to-Share Ratio: Top 1.1% in tier
  • + Total Delinquency Rate (60+ days): Top 8.1% in tier
  • + Total Loans: Top 8.4% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 3.6% in tier
  • - Liquidity Strain: Bottom 10.3% in tier
  • - Deposit Outflow: Bottom 16.5% in tier
  • - Shrinking Wallet Share: Bottom 19.8% in tier
  • - Indirect Auto Dependency: Bottom 20.6% in tier
  • - ROA 0.91% below tier average
  • - Efficiency ratio 23.35% above tier (higher cost structure)
  • - Asset Growth Rate: Bottom 1.5% in tier
  • - Indirect Auto Concentration (%): Bottom 4.3% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CT) National Avg Tier Percentile
Members 19,234
+1.0% YoY+1.2% QoQ
 +3.6K 15,628
-3.4% YoY
 13,754
+3.9% YoY
 33,089
+6.1% YoY
 73rd in tier
Assets $325.1M
-7.2% YoY+0.1% QoQ
 +$93.8M $231.3M
-0.0% YoY
 $223.0M
+8.2% YoY
 $547.7M
+7.8% YoY
 Top 22.8% in tier
Loans $283.7M
+0.1% YoY+0.8% QoQ
 +$135.9M $147.8M
-1.4% YoY
 $129.0M
+9.8% YoY
 $388.7M
+8.6% YoY
 Top 8.4% in tier
Deposits $261.6M
-0.5% YoY-1.8% QoQ
 +$61.3M $200.3M
-0.0% YoY
 $195.5M
+7.9% YoY
 $464.6M
+9.3% YoY
 74th in tier
ROA -0.1%
-163.6% YoY-128.6% QoQ
 -0.9% 0.8%
+15.5% YoY
 0.4%
-140.5% YoY
 0.7%
+273.4% YoY
 Bottom 5.7% in tier
NIM 3.0%
+33.3% YoY+4.9% QoQ
 -0.6% 3.6%
+6.9% YoY
 3.6%
+5.0% YoY
 3.7%
+5.0% YoY
 Bottom 19.1% in tier
Efficiency Ratio 100.6%
+9.9% YoY+23.3% QoQ
 +23.3% 77.3%
-3.0% YoY
 85.8%
+0.7% YoY
 79.1%
-3.3% YoY
 Top 2.0% in tier
Delinquency Rate 0.2%
-7.5% YoY-34.2% QoQ
 -0.7 0.9%
+7.6% YoY
 1.2%
+0.2% YoY
 1.2%
-0.9% YoY
 Bottom 8.1% in tier
Loan To Share 108.4%
+0.6% YoY+2.6% QoQ
 +35.7% 72.7%
-1.5% YoY
 56.5%
+1.7% YoY
 68.0%
-1.7% YoY
 Top 1.2% in tier
AMR $28,353
-1.2% YoY-1.7% QoQ
 +$4K $24,363
+2.9% YoY
 $16,763
+4.9% YoY
 $19,418
+1.3% YoY
 Top 22.0% in tier
CD Concentration 28.6%
+4.3% YoY+7.4% QoQ
 +4.2% 24.4%
+4.2% YoY
 14.4%
+16.9% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 47.8%
+2.4% YoY-1.5% QoQ
 +33.9% 14.0%
-5.8% YoY
 5.3%
-6.5% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Efficiency Drag

risk
#64 of 521 • Bottom 3.6% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 100.63%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.31% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): 1.02%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank improving

Liquidity Strain

risk
#81 of 258 • Bottom 10.3% in tier

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

Why This Signature
Loan-to-Share Ratio: 108.44%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 0.07%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
258 of 1077 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | Rank worsening

Deposit Outflow

decline
#98 of 114 • Bottom 16.5% in tier

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

Why This Signature
Deposit Growth (YoY): -0.53%
(Tier: 4.79%, National: 12.00%)
worse than tier avg
Total Assets: $325.12M
(Tier: $231.30M, National: $547.69M)
but better than tier avg
114 of 1077 Community CUs have this signature | 143 nationally
↓ Shrinking -169 CUs YoY | New qualifier

Shrinking Wallet Share

decline
#198 of 244 • Bottom 19.8% in tier

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

Why This Signature
AMR Growth (YoY): -1.23%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 1077 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY | Rank worsening

Indirect Auto Dependency

risk
#332 of 525 • Bottom 20.6% in tier

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

Why This Signature
Asset Growth (YoY): -7.18%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 47.82%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 1.02%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 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 1077 peers in tier

Top Strengths (6 metrics)

13
Loan-to-Share Ratio
balance_sheet
Value: 108.44%
Peer Avg: 72.70%
#13 of 1077 Top 1.1% in 100M-500M tier
88
Total Delinquency Rate (60+ days)
risk
Value: 0.16%
Peer Avg: 0.86%
#88 of 1077 Top 8.1% in 100M-500M tier
91
Total Loans
balance_sheet
Value: $283.71M
Peer Avg: $147.80M
#91 of 1077 Top 8.4% in 100M-500M tier
124
Loan-to-Member Ratio (LMR)
engagement
Value: $14,751
Peer Avg: $10,245
#124 of 1077 Top 11.4% in 100M-500M tier
237
Average Member Relationship (AMR)
engagement
Value: $28,353
Peer Avg: $24,363
#237 of 1077 Top 21.9% in 100M-500M tier
246
Total Assets
balance_sheet
Value: $325.12M
Peer Avg: $231.30M
#246 of 1077 Top 22.7% in 100M-500M tier

Top Weaknesses (9 metrics)

1062
Asset Growth Rate
growth
Value: -7.18%
Peer Avg: 4.70%
#1062 of 1077 Bottom 1.5% in 100M-500M tier
1056
Efficiency Ratio
profitability
Value: 100.63%
Peer Avg: 77.28%
#1056 of 1077 Bottom 2.0% in 100M-500M tier
1032
Indirect Auto Concentration (%)
balance_sheet
Value: 47.82%
Peer Avg: 13.34%
#1032 of 1077 Bottom 4.3% in 100M-500M tier
1016
Return on Assets (ROA)
profitability
Value: -0.12%
Peer Avg: 0.79%
#1016 of 1077 Bottom 5.8% in 100M-500M tier
957
Fee Income Per Member
profitability
Value: $89.06
Peer Avg: $174.31
#957 of 1077 Bottom 11.2% in 100M-500M tier
916
AMR Growth Rate
growth
Value: -1.23%
Peer Avg: 3.64%
#916 of 1077 Bottom 15.0% in 100M-500M tier
912
Deposit Growth Rate
growth
Value: -0.53%
Peer Avg: 4.69%
#912 of 1077 Bottom 15.4% in 100M-500M tier
871
Net Interest Margin (NIM)
profitability
Value: 2.98%
Peer Avg: 3.58%
#871 of 1077 Bottom 19.2% in 100M-500M tier
847
Net Worth Ratio
risk
Value: 9.57%
Peer Avg: 12.15%
#847 of 1077 Bottom 21.4% in 100M-500M tier