ADVANCE FINANCIAL

Charter #24078 | IN

100M-500M (1077 CUs) Micro
19 100M-500M in IN

ADVANCE FINANCIAL has 3 strengths but faces 16 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 17.5% in tier
  • + Relationship Depth Leader: Top 28.0% in tier
  • + Emerging Performer: Top 32.8% in tier

Key Concerns

Areas that may need attention

  • - Membership Headwinds: Bottom 3.2% in tier
  • - Credit Quality Pressure: Bottom 4.7% in tier
  • - Stagnation Risk: Bottom 11.8% in tier
  • - Institutional Decline: Bottom 15.1% in tier
  • - Liquidity Overhang: Bottom 15.3% in tier
  • - Indirect Auto Dependency: Bottom 19.2% in tier
  • - Efficiency Drag: Bottom 25.7% in tier
  • - ROA 0.50% below tier average
  • - Efficiency ratio 9.59% above tier (higher cost structure)
  • - Delinquency rate 0.45% above tier average
  • - Member decline: -8.3% YoY
  • - Deposit Growth Rate: Bottom 4.1% in tier
  • - Member Growth Rate: Bottom 4.7% in tier
  • - Members Per Employee (MPE): Bottom 7.1% in tier
  • - Asset Growth Rate: Bottom 8.1% in tier
  • - Total Loans: Bottom 9.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Members 7,344
-8.3% YoY-1.4% QoQ
 -8.3K 15,628
-3.4% YoY
 22,637
+3.1% YoY
 33,089
+6.1% YoY
 Bottom 13.0% in tier
Assets $122.3M
-2.6% YoY+0.5% QoQ
 $-109.0M $231.3M
-0.0% YoY
 $383.9M
+8.8% YoY
 $547.7M
+7.8% YoY
 Bottom 14.3% in tier
Loans $60.4M
-2.9% YoY+1.4% QoQ
 $-87.4M $147.8M
-1.4% YoY
 $276.9M
+7.4% YoY
 $388.7M
+8.6% YoY
 Bottom 9.8% in tier
Deposits $107.8M
-4.2% YoY-0.3% QoQ
 $-92.5M $200.3M
-0.0% YoY
 $323.0M
+10.5% YoY
 $464.6M
+9.3% YoY
 Bottom 16.6% in tier
ROA 0.3%
-179.2% YoY-44.1% QoQ
 -0.5% 0.8%
+15.5% YoY
 0.9%
+24.5% YoY
 0.7%
+273.4% YoY
 Bottom 18.3% in tier
NIM 3.2%
+13.9% YoY+1.2% QoQ
 -0.3% 3.6%
+6.9% YoY
 3.8%
+8.0% YoY
 3.7%
+5.0% YoY
 30th in tier
Efficiency Ratio 86.9%
-16.3% YoY+3.8% QoQ
 +9.6% 77.3%
-3.0% YoY
 77.7%
-3.5% YoY
 79.1%
-3.3% YoY
 Top 17.7% in tier
Delinquency Rate 1.3%
+80.1% YoY+64.2% QoQ
 +0.4 0.9%
+7.6% YoY
 1.3%
+19.3% YoY
 1.2%
-0.9% YoY
 Top 19.3% in tier
Loan To Share 56.0%
+1.3% YoY+1.7% QoQ
 -16.7% 72.7%
-1.5% YoY
 69.6%
-2.1% YoY
 68.0%
-1.7% YoY
 Bottom 16.3% in tier
AMR $22,904
+5.0% YoY+1.8% QoQ
 $-1K $24,363
+2.9% YoY
 $18,326
+4.3% YoY
 $19,418
+1.3% YoY
 53rd in tier
CD Concentration 13.8%
-5.9% YoY+3.0% QoQ
 -10.6% 24.4%
+4.2% YoY
 19.0%
+9.9% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 32.4%
+33.5% YoY+12.5% QoQ
 +18.4% 14.0%
-5.8% YoY
 11.0%
-3.5% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth
#483 of 1006 • Top 17.5% in tier

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

Why This Signature
AMR Growth (YoY): 4.98%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Relationship Depth Leader

growth
#773 of 1006 • Top 28.0% in tier

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

Why This Signature
AMR Growth (YoY): 4.98%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $1.9K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Emerging Performer

growth
#616 of 627 • Top 32.8% in tier

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

Why This Signature
Return on Assets: 0.29%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): -8.29%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | New qualifier

Concerns (7)

Membership Headwinds

decline
#53 of 550 • Bottom 3.2% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -8.29%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Credit Quality Pressure

risk
#116 of 736 • Bottom 4.7% in tier

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

Why This Signature
Delinquency Change (YoY): 0.58% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank improving

Stagnation Risk

risk
#196 of 550 • Bottom 11.8% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.29%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -8.29%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $22.9K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 13.84%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Institutional Decline

decline
#120 of 256 • Bottom 15.1% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $122.30M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
Member Growth (YoY): -8.29%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -2.91%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
256 of 1077 Community CUs have this signature | 293 nationally
↓ Shrinking -43 CUs YoY | Rank worsening

Liquidity Overhang

risk
#237 of 552 • Bottom 15.3% 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: 12.87%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 55.98%
(Tier: 74.56%, National: 67.96%)
worse than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#310 of 525 • Bottom 19.2% in tier

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

Why This Signature
Asset Growth (YoY): -2.56%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 32.36%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -8.29%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank improving

Efficiency Drag

risk
#454 of 521 • Bottom 25.7% in tier

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

Why This Signature
Efficiency Ratio: 86.86%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.66% points
(Tier: 0.11% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): -8.29%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 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 (2 metrics)

203
Share Certificate Concentration (%)
balance_sheet
Value: 13.84%
Peer Avg: 23.61%
#203 of 1077 Top 18.8% in 100M-500M tier
230
Net Charge-Off Rate
risk
Value: 0.14%
Peer Avg: 0.47%
#230 of 1077 Top 21.3% in 100M-500M tier

Top Weaknesses (14 metrics)

1034
Deposit Growth Rate
growth
Value: -4.17%
Peer Avg: 4.69%
#1034 of 1077 Bottom 4.1% in 100M-500M tier
1027
Member Growth Rate
growth
Value: -8.29%
Peer Avg: 0.72%
#1027 of 1077 Bottom 4.7% in 100M-500M tier
1001
Members Per Employee (MPE)
engagement
Value: 216.000
Peer Avg: 332.881
#1001 of 1077 Bottom 7.1% in 100M-500M tier
991
Asset Growth Rate
growth
Value: -2.56%
Peer Avg: 4.70%
#991 of 1077 Bottom 8.1% in 100M-500M tier
971
Total Loans
balance_sheet
Value: $60.37M
Peer Avg: $147.80M
#971 of 1077 Bottom 9.9% in 100M-500M tier
937
Total Members
engagement
Value: 7,344
Peer Avg: 15,628
#937 of 1077 Bottom 13.1% in 100M-500M tier
923
Indirect Auto Concentration (%)
balance_sheet
Value: 32.36%
Peer Avg: 13.34%
#923 of 1077 Bottom 14.4% in 100M-500M tier
923
Total Assets
balance_sheet
Value: $122.30M
Peer Avg: $231.30M
#923 of 1077 Bottom 14.4% in 100M-500M tier
901
Loan-to-Share Ratio
balance_sheet
Value: 55.98%
Peer Avg: 72.70%
#901 of 1077 Bottom 16.4% in 100M-500M tier
898
Total Deposits
balance_sheet
Value: $107.84M
Peer Avg: $200.29M
#898 of 1077 Bottom 16.7% in 100M-500M tier