NOTRE DAME
Charter #24034 | IN
1B-3B
(304 CUs)
Mid-Market
($1B-$5B)
(380 CUs)
11 1B-3B in IN
NOTRE DAME has 7 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 1.5% in tier
- + Wallet Share Momentum: Top 9.1% in tier
- + Emerging Performer: Top 20.8% in tier
- + Organic Growth Engine: Top 27.9% in tier
- + Organic Growth Leader: Top 33.4% in tier
- + Net Interest Margin 0.28% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 18.7% in tier
- - ROA 0.09% below tier average
- - Efficiency ratio 3.54% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
65,683
+0.8% YoY-2.5% QoQ
|
-33.0K |
98,678
-1.9% YoY
|
22,637
+3.1% YoY
|
33,089
+6.1% YoY
|
Bottom 19.7% in tier |
| Assets |
$1.2B
+6.3% YoY+0.5% QoQ
|
$-470.4M |
$1.7B
+0.5% YoY
|
$383.9M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
26th in tier |
| Loans |
$1.1B
+8.1% YoY+2.3% QoQ
|
$-179.9M |
$1.2B
+0.5% YoY
|
$276.9M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
45th in tier |
| Deposits |
$1.1B
+7.6% YoY+1.1% QoQ
|
$-338.8M |
$1.5B
+1.3% YoY
|
$323.0M
+10.5% YoY
|
$464.6M
+9.3% YoY
|
33rd in tier |
| ROA |
0.6%
-10.6% YoY-0.4% QoQ
|
-0.1% |
0.7%
+13.4% YoY
|
0.9%
+24.5% YoY
|
0.7%
+273.4% YoY
|
45th in tier |
| NIM |
3.5%
+9.1% YoY+1.3% QoQ
|
+0.3% |
3.3%
+9.3% YoY
|
3.8%
+8.0% YoY
|
3.7%
+5.0% YoY
|
68th in tier |
| Efficiency Ratio |
77.5%
+1.1% YoY+0.9% QoQ
|
+3.5% |
74.0%
-10.9% YoY
|
77.7%
-3.5% YoY
|
79.1%
-3.3% YoY
|
63rd in tier |
| Delinquency Rate |
0.5%
-44.4% YoY-51.3% QoQ
|
-0.3 |
0.8%
+6.1% YoY
|
1.3%
+19.3% YoY
|
1.2%
-0.9% YoY
|
35th in tier |
| Loan To Share |
94.4%
+0.5% YoY+1.2% QoQ
|
+9.2% |
85.2%
-0.8% YoY
|
69.6%
-2.1% YoY
|
68.0%
-1.7% YoY
|
71st in tier |
| AMR |
$33,017
+7.0% YoY+4.3% QoQ
|
+$4K |
$29,172
+2.8% YoY
|
$18,326
+4.3% YoY
|
$19,418
+1.3% YoY
|
Top 22.0% in tier |
| CD Concentration |
22.1%
-11.0% YoY-1.7% QoQ
|
-6.9% |
29.0%
+0.8% YoY
|
19.0%
+9.9% YoY
|
19.6%
+6.2% YoY
|
Bottom 19.8% in tier |
| Indirect Auto % |
0.0%
-100.0% YoY
|
-18.8% |
18.8%
-2.8% YoY
|
11.0%
-3.5% YoY
|
7.9%
-2.9% YoY
|
Bottom 0.0% in tier |
Signature Analysis
Strengths (5)
Relationship Depth Leader
growth
#12 of 264 • Top 1.5% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
7.05%
(Tier:
3.04%, National:
4.19%)
Share Draft per Member:
$8.9K
(Tier: $3.1K, National: $2.0K)
264 of 380 Mid-Market CUs have this signature
| 1330 nationally
↑ Growing
+60 CUs YoY
|
Rank improving
Wallet Share Momentum
growth
#67 of 264 • Top 9.1% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
7.05%
(Tier:
3.04%, National:
4.19%)
264 of 380 Mid-Market CUs have this signature
| 1330 nationally
↑ Growing
+60 CUs YoY
|
Rank improving
Emerging Performer
growth
#111 of 184 • Top 20.8% in tier
Profitable credit union with positive returns. May represent growth potential worth exploring.
Why This Signature
Return on Assets:
0.62%
(Tier:
0.71%, National:
0.71%)
Member Growth (YoY):
0.77%
(Tier:
3.18%, National:
9.37%)
184 of 380 Mid-Market CUs have this signature
| 852 nationally
↑ Growing
+18 CUs YoY
|
Rank worsening
Organic Growth Engine
growth
#203 of 246 • Top 27.9% in tier
Growing membership while maintaining profitability. Healthy fundamentals in place.
Why This Signature
Member Growth (YoY):
0.77%
(Tier:
3.18%, National:
9.37%)
Return on Assets:
0.62%
(Tier:
0.71%, National:
0.71%)
Indirect Auto %:
0.00%
(Tier:
18.80%, National:
7.90%)
246 of 380 Mid-Market CUs have this signature
| 917 nationally
↑ Growing
+14 CUs YoY
|
Rank worsening
Organic Growth Leader
growth
#132 of 138 • Top 33.4% in tier
Attracting members without relying on indirect channels. Healthy, sustainable growth model.
Why This Signature
Member Growth (YoY):
0.77%
(Tier:
3.18%, National:
9.37%)
138 of 380 Mid-Market CUs have this signature
| 608 nationally
↑ Growing
+11 CUs YoY
|
Rank worsening
Concerns (1)
Liquidity Strain
risk
#99 of 183 • Bottom 18.7% in tier
Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Why This Signature
Loan-to-Share Ratio:
94.41%
(Tier:
86.35%, National:
67.96%)
Loan Growth (YoY):
8.13%
(Tier:
6.14%, National:
36.38%)
183 of 380 Mid-Market CUs have this signature
| 484 nationally
↑ Growing
+10 CUs YoY
|
Rank improving
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)
Top Strengths (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 18.32%
#1 of 304
Top 0.0% in 1B-3B tier
53
Loan-to-Member Ratio (LMR)
engagement
Value:
$16,034
Peer Avg: $13,213
#53 of 304
Top 17.1% in 1B-3B tier
55
AMR Growth Rate
growth
Value:
7.05%
Peer Avg: 3.29%
#55 of 304
Top 17.8% in 1B-3B tier
62
Fee Income Per Member
profitability
Value:
$260.67
Peer Avg: $210.52
#62 of 304
Top 20.1% in 1B-3B tier
65
Share Certificate Concentration (%)
balance_sheet
Value:
22.06%
Peer Avg: 28.53%
#65 of 304
Top 21.1% in 1B-3B tier
67
Average Member Relationship (AMR)
engagement
Value:
$33,017
Peer Avg: $29,172
#67 of 304
Top 21.7% in 1B-3B tier
77
Deposit Growth Rate
growth
Value:
7.63%
Peer Avg: 5.58%
#77 of 304
Top 25.0% in 1B-3B tier
Top Weaknesses (3 metrics)
273
Members Per Employee (MPE)
engagement
Value:
272.544
Peer Avg: 364.953
#273 of 304
Bottom 10.5% in 1B-3B tier
244
Total Members
engagement
Value:
65,683
Peer Avg: 98,678
#244 of 304
Bottom 20.1% in 1B-3B tier
232
Net Worth Ratio
risk
Value:
9.66%
Peer Avg: 11.44%
#232 of 304
Bottom 24.0% in 1B-3B tier