I-C
Charter #24250 | MA
500M-750M
(169 CUs)
Community
($500M-$1B)
(281 CUs)
9 500M-750M in MA
I-C has 1 strength but faces 13 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 22.8% in tier
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 1.4% in tier
- - Shrinking Wallet Share: Bottom 2.8% in tier
- - Efficiency Drag: Bottom 9.4% in tier
- - Indirect Auto Dependency: Bottom 32.3% in tier
- - ROA 1.08% below tier average
- - Efficiency ratio 28.03% above tier (higher cost structure)
- - Delinquency rate 1.10% above tier average
- - Asset Growth Rate: Bottom 1.2% in tier
- - AMR Growth Rate: Bottom 4.7% in tier
- - Total Delinquency Rate (60+ days): Bottom 4.7% in tier
- - Fee Income Per Member: Bottom 5.3% in tier
- - Loan Growth Rate: Bottom 5.9% in tier
- - Deposit Growth Rate: Bottom 5.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
36,594
+1.5% YoY+1.5% QoQ
|
-3.2K |
39,752
-2.7% YoY
|
27,447
+2.6% YoY
|
33,089
+6.1% YoY
|
46th in tier |
| Assets |
$529.7M
-12.3% YoY+0.5% QoQ
|
$-92.7M |
$622.4M
+0.3% YoY
|
$440.2M
+4.2% YoY
|
$547.7M
+7.8% YoY
|
Bottom 14.2% in tier |
| Loans |
$397.7M
-9.5% YoY+1.7% QoQ
|
$-38.3M |
$435.9M
-0.4% YoY
|
$341.2M
+2.4% YoY
|
$388.7M
+8.6% YoY
|
31st in tier |
| Deposits |
$491.0M
-4.5% YoY+0.2% QoQ
|
$-47.0M |
$538.0M
+1.3% YoY
|
$366.8M
+5.5% YoY
|
$464.6M
+9.3% YoY
|
30th in tier |
| ROA |
-0.4%
-75.4% YoY-25.5% QoQ
|
-1.1% |
0.7%
+33.9% YoY
|
0.7%
+17.3% YoY
|
0.7%
+273.4% YoY
|
Bottom 1.2% in tier |
| NIM |
3.1%
+14.7% YoY+2.8% QoQ
|
-0.3% |
3.4%
+8.6% YoY
|
3.3%
+3.8% YoY
|
3.7%
+5.0% YoY
|
27th in tier |
| Efficiency Ratio |
106.1%
-4.9% YoY-3.7% QoQ
|
+28.0% |
78.1%
-3.4% YoY
|
80.4%
-4.7% YoY
|
79.1%
-3.3% YoY
|
Top 1.2% in tier |
| Delinquency Rate |
1.9%
-37.5% YoY+4.4% QoQ
|
+1.1 |
0.8%
-4.9% YoY
|
0.9%
-6.0% YoY
|
1.2%
-0.9% YoY
|
Top 4.7% in tier |
| Loan To Share |
81.0%
-5.3% YoY+1.5% QoQ
|
-0.0% |
81.0%
-1.8% YoY
|
74.2%
-1.7% YoY
|
68.0%
-1.7% YoY
|
45th in tier |
| AMR |
$24,285
-8.2% YoY-0.6% QoQ
|
$-2K |
$26,482
+2.6% YoY
|
$24,707
+3.7% YoY
|
$19,418
+1.3% YoY
|
46th in tier |
| CD Concentration |
23.2%
-6.0% YoY+4.1% QoQ
|
-1.2% |
24.4%
+4.2% YoY
|
24.8%
+8.8% YoY
|
19.6%
+6.2% YoY
|
46th in tier |
| Indirect Auto % |
18.8%
-34.7% YoY-14.7% QoQ
|
+4.8% |
14.0%
-5.8% YoY
|
2.6%
-15.5% YoY
|
7.9%
-2.9% YoY
|
69th in tier |
Signature Analysis
Strengths (1)
Organic Growth Leader
growth
#301 of 430 • Top 22.8% in tier
Attracting members without relying on indirect channels. Healthy, sustainable growth model.
Why This Signature
Member Growth (YoY):
1.55%
(Tier:
0.88%, National:
9.37%)
430 of 281 Community CUs have this signature
| 608 nationally
↓ Shrinking
-21 CUs YoY
|
New qualifier
Concerns (4)
Deposit Outflow
decline
#9 of 114 • Bottom 1.4% in tier
Members staying but deposits leaving. They're losing to higher-yield competitors - rate pressure is real.
Why This Signature
Deposit Growth (YoY):
-4.46%
(Tier:
4.79%, National:
12.00%)
Total Assets:
$529.73M
(Tier: $622.38M, National: $547.69M)
114 of 281 Community CUs have this signature
| 143 nationally
↓ Shrinking
-169 CUs YoY
|
New qualifier
Shrinking Wallet Share
decline
#29 of 244 • Bottom 2.8% in tier
Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Why This Signature
AMR Growth (YoY):
-8.19%
(Tier:
3.68%, National:
4.19%)
244 of 281 Community CUs have this signature
| 346 nationally
↓ Shrinking
-221 CUs YoY
|
Rank improving
Efficiency Drag
risk
#167 of 521 • Bottom 9.4% in tier
High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Why This Signature
Efficiency Ratio:
106.12%
(Tier:
77.15%, National:
79.10%)
ROA Change (YoY):
1.29% points
(Tier:
0.11% points, National:
0.05% points)
Member Growth (YoY):
1.55%
(Tier:
0.88%, National:
9.37%)
521 of 281 Community CUs have this signature
| 624 nationally
↓ Shrinking
-113 CUs YoY
|
Rank improving
Indirect Auto Dependency
risk
#520 of 525 • Bottom 32.3% in tier
Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Why This Signature
Asset Growth (YoY):
-12.35%
(Tier:
4.61%, National:
3.04%)
Indirect Auto %:
18.78%
(Tier:
13.96%, National:
7.90%)
Member Growth (YoY):
1.55%
(Tier:
0.88%, National:
9.37%)
525 of 281 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)
Top Strengths (0 metrics)
No strength rankings available
Top Weaknesses (10 metrics)
168
Efficiency Ratio
profitability
Value:
106.12%
Peer Avg: 78.10%
#168 of 169
Bottom 1.2% in 500M-750M tier
168
Asset Growth Rate
growth
Value:
-12.35%
Peer Avg: 4.33%
#168 of 169
Bottom 1.2% in 500M-750M tier
167
Return on Assets (ROA)
profitability
Value:
-0.42%
Peer Avg: 0.66%
#167 of 169
Bottom 1.8% in 500M-750M tier
162
AMR Growth Rate
growth
Value:
-8.19%
Peer Avg: 3.12%
#162 of 169
Bottom 4.7% in 500M-750M tier
162
Total Delinquency Rate (60+ days)
risk
Value:
1.90%
Peer Avg: 0.80%
#162 of 169
Bottom 4.7% in 500M-750M tier
161
Fee Income Per Member
profitability
Value:
$97.38
Peer Avg: $199.27
#161 of 169
Bottom 5.3% in 500M-750M tier
160
Loan Growth Rate
growth
Value:
-9.48%
Peer Avg: 4.04%
#160 of 169
Bottom 5.9% in 500M-750M tier
160
Deposit Growth Rate
growth
Value:
-4.46%
Peer Avg: 5.25%
#160 of 169
Bottom 5.9% in 500M-750M tier
145
Total Assets
balance_sheet
Value:
$529.73M
Peer Avg: $622.38M
#145 of 169
Bottom 14.8% in 500M-750M tier
139
First Mortgage Concentration (%)
balance_sheet
Value:
46.69%
Peer Avg: 33.53%
#139 of 169
Bottom 18.3% in 500M-750M tier