FOUNDERS

Charter #24063 | SC

3B-5B (76 CUs) Mid-Market (380 CUs)
1 3B-5B in SC

FOUNDERS has 11 strengths but faces 4 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 0.3% in tier
  • + Organic Growth Leader: Top 10.2% in tier
  • + ROA 0.58% above tier average
  • + Net Interest Margin 1.00% above tier average
  • + Strong member growth: 5.4% YoY
  • + Total Assets: Top 0.0% in tier
  • + Total Deposits: Top 2.6% in tier
  • + Fee Income Per Member: Top 3.9% in tier
  • + Indirect Auto Concentration (%): Top 5.3% in tier
  • + Total Loans: Top 6.6% in tier
  • + Net Worth Ratio: Top 9.2% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 23.4% in tier
  • - Liquidity Strain: Bottom 23.8% in tier
  • - Growth-at-Risk: Bottom 25.7% in tier
  • - Credit Quality Pressure: Bottom 26.5% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
Members 285,807
+5.4% YoY+2.7% QoQ
 +47.3K 238,465
+0.6% YoY
 37,124
+2.2% YoY
 33,089
+6.1% YoY
 Top 22.4% in tier
Assets $5.0B
+3.5% YoY+2.2% QoQ
 +$1.0B $4.0B
-0.1% YoY
 $514.3M
+4.6% YoY
 $547.7M
+7.8% YoY
 Top 1.3% in tier
Loans $4.0B
+6.0% YoY+2.4% QoQ
 +$957.4M $3.0B
+3.3% YoY
 $362.8M
+7.0% YoY
 $388.7M
+8.6% YoY
 Top 7.9% in tier
Deposits $4.2B
+5.6% YoY+1.6% QoQ
 +$908.9M $3.3B
+1.1% YoY
 $433.3M
+6.0% YoY
 $464.6M
+9.3% YoY
 Top 3.9% in tier
ROA 1.3%
+0.8% YoY-0.9% QoQ
 +0.6% 0.7%
+5.3% YoY
 1.2%
+18.8% YoY
 0.7%
+273.4% YoY
 Top 11.8% in tier
NIM 4.2%
+10.5% YoY+1.8% QoQ
 +1.0% 3.2%
+13.7% YoY
 4.3%
+2.6% YoY
 3.7%
+5.0% YoY
 Top 7.9% in tier
Efficiency Ratio 61.9%
+5.9% YoY+2.1% QoQ
 -9.3% 71.3%
-0.6% YoY
 75.1%
-1.9% YoY
 79.1%
-3.3% YoY
 Bottom 19.7% in tier
Delinquency Rate 0.8%
+1.2% YoY+10.6% QoQ
 -0.1 0.8%
+15.9% YoY
 0.9%
+10.3% YoY
 1.2%
-0.9% YoY
 63rd in tier
Loan To Share 93.7%
+0.4% YoY+0.8% QoQ
 +2.9% 90.8%
+2.0% YoY
 71.3%
-1.2% YoY
 68.0%
-1.7% YoY
 55th in tier
AMR $28,755
+0.4% YoY-0.7% QoQ
 $-332 $29,088
+0.1% YoY
 $16,641
+2.9% YoY
 $19,418
+1.3% YoY
 54th in tier
CD Concentration 29.4%
-4.9% YoY+1.3% QoQ
 +0.4% 29.0%
+0.8% YoY
 17.4%
+3.6% YoY
 19.6%
+6.2% YoY
 54th in tier
Indirect Auto % 0.0%
-53.3% YoY-18.2% QoQ
 -18.8% 18.8%
-2.8% YoY
 5.9%
-5.3% YoY
 7.9%
-2.9% YoY
 Bottom 11.9% in tier

Signature Analysis

Strengths (2)

Organic Growth Engine

growth
#3 of 246 • Top 0.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 5.44%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 1.32%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 0.02%
(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

Organic Growth Leader

growth
#41 of 138 • Top 10.2% in tier

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

Why This Signature
Member Growth (YoY): 5.44%
(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

Concerns (4)

Liquidity Overhang

risk
#76 of 113 • Bottom 23.4% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 13.27%
(Tier: 11.30%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 93.74%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
113 of 380 Mid-Market CUs have this signature | 691 nationally
↑ Growing +9 CUs YoY | Rank improving

Liquidity Strain

risk
#126 of 183 • Bottom 23.8% in tier

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

Why This Signature
Loan-to-Share Ratio: 93.74%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 6.05%
(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 improving

Growth-at-Risk

risk
#144 of 161 • Bottom 25.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 6.05%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 0.01% points
(Tier: 0.07% points, National: 0.07% points)
but better than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 CUs YoY | Rank worsening

Credit Quality Pressure

risk
#204 of 217 • Bottom 26.5% in tier

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

Why This Signature
Delinquency Change (YoY): 0.01% points
(Tier: 0.07% points, National: 0.07% points)
but better than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 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 76 peers in tier

Top Strengths (10 metrics)

1
Total Assets
balance_sheet
Value: $4.99B
Peer Avg: $3.97B
#1 of 76 Top 0.0% in 3B-5B tier
3
Total Deposits
balance_sheet
Value: $4.24B
Peer Avg: $3.33B
#3 of 76 Top 2.6% in 3B-5B tier
4
Fee Income Per Member
profitability
Value: $336.70
Peer Avg: $191.96
#4 of 76 Top 3.9% in 3B-5B tier
5
Indirect Auto Concentration (%)
balance_sheet
Value: 0.02%
Peer Avg: 20.57%
#5 of 76 Top 5.3% in 3B-5B tier
6
Net Interest Margin (NIM)
profitability
Value: 4.20%
Peer Avg: 3.20%
#6 of 76 Top 6.6% in 3B-5B tier
6
Total Loans
balance_sheet
Value: $3.98B
Peer Avg: $3.02B
#6 of 76 Top 6.6% in 3B-5B tier
8
Net Worth Ratio
risk
Value: 13.27%
Peer Avg: 10.75%
#8 of 76 Top 9.2% in 3B-5B tier
9
Return on Assets (ROA)
profitability
Value: 1.32%
Peer Avg: 0.75%
#9 of 76 Top 10.5% in 3B-5B tier
16
Efficiency Ratio
profitability
Value: 61.92%
Peer Avg: 71.26%
#16 of 76 Top 19.7% in 3B-5B tier
17
Total Members
engagement
Value: 285,807
Peer Avg: 238,466
#17 of 76 Top 21.1% in 3B-5B tier

Top Weaknesses (3 metrics)

63
Net Charge-Off Rate
risk
Value: 1.04%
Peer Avg: 0.64%
#63 of 76 Bottom 18.4% in 3B-5B tier
63
First Mortgage Concentration (%)
balance_sheet
Value: 50.47%
Peer Avg: 34.35%
#63 of 76 Bottom 18.4% in 3B-5B tier
59
Members Per Employee (MPE)
engagement
Value: 319.695
Peer Avg: 433.941
#59 of 76 Bottom 23.7% in 3B-5B tier