OMEGA PSI PHI FRATERNITY
Charter #24234 | GA
<100M
(2596 CUs)
Micro
($0-$500M)
43 <100M in GA
OMEGA PSI PHI FRATERNITY has 5 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.98% above tier average
- + Net Interest Margin 0.20% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 8.3% in tier
Key Concerns
Areas that may need attention
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Average Member Relationship (AMR): Bottom 4.4% in tier
- - Loan-to-Member Ratio (LMR): Bottom 5.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,461
+1.4% YoY+1.1% QoQ
|
-164 |
2,625
-2.2% YoY
|
30,529
+3.7% YoY
|
33,089
+6.1% YoY
|
59th in tier |
| Assets |
$5.2M
+2.9% YoY-1.3% QoQ
|
$-24.6M |
$29.9M
+1.1% YoY
|
$489.5M
+5.8% YoY
|
$547.7M
+7.8% YoY
|
Bottom 20.0% in tier |
| Loans |
$2.3M
-3.9% YoY+16.4% QoQ
|
$-13.5M |
$15.8M
-2.4% YoY
|
$335.0M
+9.2% YoY
|
$388.7M
+8.6% YoY
|
Bottom 19.2% in tier |
| Deposits |
$4.7M
+2.8% YoY-2.1% QoQ
|
$-20.8M |
$25.5M
+0.4% YoY
|
$419.7M
+4.9% YoY
|
$464.6M
+9.3% YoY
|
Bottom 22.1% in tier |
| ROA |
1.7%
-35.4% YoY+24.1% QoQ
|
+1.0% |
0.7%
-731.4% YoY
|
1.1%
+41.8% YoY
|
0.7%
+273.4% YoY
|
Top 15.6% in tier |
| NIM |
4.1%
-0.9% YoY+1.2% QoQ
|
+0.2% |
3.9%
+3.8% YoY
|
4.2%
+4.4% YoY
|
3.7%
+5.0% YoY
|
60th in tier |
| Efficiency Ratio |
53.6%
+5.5% YoY-3.5% QoQ
|
-27.8% |
81.4%
-2.4% YoY
|
76.7%
+1.1% YoY
|
79.1%
-3.3% YoY
|
Bottom 8.3% in tier |
| Delinquency Rate |
1.2%
+60.8% YoY-36.6% QoQ
|
-0.4 |
1.5%
-2.0% YoY
|
1.3%
+2.5% YoY
|
1.2%
-0.9% YoY
|
65th in tier |
| Loan To Share |
48.3%
-6.5% YoY+18.9% QoQ
|
-13.0% |
61.2%
-3.0% YoY
|
72.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
30th in tier |
| AMR |
$2,810
-0.9% YoY+2.1% QoQ
|
$-12K |
$14,627
-2.7% YoY
|
$17,296
+4.1% YoY
|
$19,418
+1.3% YoY
|
Bottom 4.4% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
19.9%
+4.7% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
4.6%
+4.3% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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 (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
216
Efficiency Ratio
profitability
Value:
53.56%
Peer Avg: 81.39%
#216 of 2596
Top 8.3% in <100M tier
406
Return on Assets (ROA)
profitability
Value:
1.67%
Peer Avg: 0.68%
#406 of 2596
Top 15.6% in <100M tier
531
Member Growth Rate
growth
Value:
1.40%
Peer Avg: 14.92%
#531 of 2596
Top 20.4% in <100M tier
Top Weaknesses (9 metrics)
2596
Members Per Employee (MPE)
engagement
Value:
-
Peer Avg: 365.701
#2596 of 2596
Bottom 0.0% in <100M tier
2482
Average Member Relationship (AMR)
engagement
Value:
$2,810
Peer Avg: $14,627
#2482 of 2596
Bottom 4.4% in <100M tier
2450
Loan-to-Member Ratio (LMR)
engagement
Value:
$914.77
Peer Avg: $5,488
#2450 of 2596
Bottom 5.7% in <100M tier
2130
Net Worth Ratio
risk
Value:
10.16%
Peer Avg: 16.43%
#2130 of 2596
Bottom 18.0% in <100M tier
2097
Total Loans
balance_sheet
Value:
$2.25M
Peer Avg: $15.77M
#2097 of 2596
Bottom 19.3% in <100M tier
2078
Total Assets
balance_sheet
Value:
$5.21M
Peer Avg: $29.86M
#2078 of 2596
Bottom 20.0% in <100M tier
2021
Total Deposits
balance_sheet
Value:
$4.67M
Peer Avg: $25.45M
#2021 of 2596
Bottom 22.2% in <100M tier
2004
First Mortgage Concentration (%)
balance_sheet
Value:
27.34%
Peer Avg: 14.49%
#2004 of 2596
Bottom 22.8% in <100M tier
1994
Fee Income Per Member
profitability
Value:
$15.14
Peer Avg: $182.96
#1994 of 2596
Bottom 23.2% in <100M tier