SRP

Charter #24410 | SC

1B-3B (304 CUs) Mid-Market (380 CUs)
8 1B-3B in SC

SRP has 10 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 2.5% in tier
  • + Organic Growth Engine: Top 3.5% in tier
  • + Relationship Depth Leader: Top 13.3% in tier
  • + Organic Growth Leader: Top 19.6% in tier
  • + ROA 0.93% above tier average
  • + Net Interest Margin 1.37% above tier average
  • + Total Members: Top 1.0% in tier
  • + Loan Growth Rate: Top 2.6% in tier
  • + AMR Growth Rate: Top 4.9% in tier
  • + Members Per Employee (MPE): Top 7.9% in tier

Key Concerns

Areas that may need attention

  • - Growth-at-Risk: Bottom 7.4% in tier
  • - Liquidity Overhang: Bottom 12.5% in tier
  • - Credit Quality Pressure: Bottom 20.9% in tier
  • - Average Member Relationship (AMR): Bottom 1.3% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 2.3% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
Members 199,864
+2.9% YoY+0.6% QoQ
 +101.2K 98,678
-1.9% YoY
 37,124
+2.2% YoY
 33,089
+6.1% YoY
 Top 1.3% in tier
Assets $2.0B
+10.4% YoY+0.2% QoQ
 +$259.2M $1.7B
+0.5% YoY
 $514.3M
+4.6% YoY
 $547.7M
+7.8% YoY
 67th in tier
Loans $1.4B
+22.8% YoY+8.0% QoQ
 +$161.9M $1.2B
+0.5% YoY
 $362.8M
+7.0% YoY
 $388.7M
+8.6% YoY
 67th in tier
Deposits $1.7B
+10.3% YoY-0.2% QoQ
 +$226.2M $1.5B
+1.3% YoY
 $433.3M
+6.0% YoY
 $464.6M
+9.3% YoY
 69th in tier
ROA 1.6%
+1.3% YoY+9.3% QoQ
 +0.9% 0.7%
+13.4% YoY
 1.2%
+18.8% YoY
 0.7%
+273.4% YoY
 Top 3.6% in tier
NIM 4.6%
+1.0% YoY+2.0% QoQ
 +1.4% 3.3%
+9.3% YoY
 4.3%
+2.6% YoY
 3.7%
+5.0% YoY
 Top 1.6% in tier
Efficiency Ratio 64.2%
-0.8% YoY-0.1% QoQ
 -9.8% 74.0%
-10.9% YoY
 75.1%
-1.9% YoY
 79.1%
-3.3% YoY
 Bottom 15.1% in tier
Delinquency Rate 0.8%
+7.5% YoY+11.0% QoQ
 -0.0 0.8%
+6.1% YoY
 0.9%
+10.3% YoY
 1.2%
-0.9% YoY
 60th in tier
Loan To Share 83.0%
+11.3% YoY+8.2% QoQ
 -2.2% 85.2%
-0.8% YoY
 71.3%
-1.2% YoY
 68.0%
-1.7% YoY
 36th in tier
AMR $15,388
+12.3% YoY+2.7% QoQ
 $-14K $29,172
+2.8% YoY
 $16,641
+2.9% YoY
 $19,418
+1.3% YoY
 Bottom 1.0% in tier
CD Concentration 18.5%
+20.0% YoY+6.6% QoQ
 -10.4% 29.0%
+0.8% YoY
 17.4%
+3.6% YoY
 19.6%
+6.2% YoY
 Bottom 10.3% in tier
Indirect Auto % 0.7%
+131.1% YoY-14.3% QoQ
 -18.1% 18.8%
-2.8% YoY
 5.9%
-5.3% YoY
 7.9%
-2.9% YoY
 Bottom 16.4% in tier

Signature Analysis

Strengths (4)

Wallet Share Momentum

growth
#19 of 264 • Top 2.5% in tier

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

Why This Signature
AMR Growth (YoY): 12.34%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank improving

Organic Growth Engine

growth
#26 of 246 • Top 3.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.93%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
Return on Assets: 1.64%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 0.67%
(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 | New qualifier

Relationship Depth Leader

growth
#97 of 264 • Top 13.3% in tier

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

Why This Signature
AMR Growth (YoY): 12.34%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.3K
(Tier: $3.1K, National: $2.0K)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Organic Growth Leader

growth
#78 of 138 • Top 19.6% in tier

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

Why This Signature
Member Growth (YoY): 2.93%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
138 of 380 Mid-Market CUs have this signature | 608 nationally
↑ Growing +11 CUs YoY | New qualifier

Concerns (3)

Growth-at-Risk

risk
#42 of 161 • Bottom 7.4% in tier

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

Why This Signature
Loan Growth (YoY): 22.75%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.05% 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

Liquidity Overhang

risk
#41 of 113 • Bottom 12.5% 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: 13.71%
(Tier: 11.30%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 83.01%
(Tier: 86.35%, National: 67.96%)
worse than tier avg
113 of 380 Mid-Market CUs have this signature | 691 nationally
↑ Growing +9 CUs YoY | Rank worsening

Credit Quality Pressure

risk
#161 of 217 • Bottom 20.9% in tier

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

Why This Signature
Delinquency Change (YoY): 0.05% 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 304 peers in tier

Top Strengths (12 metrics)

4
Total Members
engagement
Value: 199,864
Peer Avg: 98,678
#4 of 304 Top 1.0% in 1B-3B tier
5
Net Interest Margin (NIM)
profitability
Value: 4.64%
Peer Avg: 3.26%
#5 of 304 Top 1.3% in 1B-3B tier
9
Loan Growth Rate
growth
Value: 22.75%
Peer Avg: 5.27%
#9 of 304 Top 2.6% in 1B-3B tier
11
Return on Assets (ROA)
profitability
Value: 1.64%
Peer Avg: 0.70%
#11 of 304 Top 3.3% in 1B-3B tier
16
AMR Growth Rate
growth
Value: 12.34%
Peer Avg: 3.29%
#16 of 304 Top 4.9% in 1B-3B tier
25
Members Per Employee (MPE)
engagement
Value: 474.736
Peer Avg: 364.953
#25 of 304 Top 7.9% in 1B-3B tier
33
Share Certificate Concentration (%)
balance_sheet
Value: 18.54%
Peer Avg: 28.53%
#33 of 304 Top 10.5% in 1B-3B tier
38
Net Worth Ratio
risk
Value: 13.71%
Peer Avg: 11.44%
#38 of 304 Top 12.2% in 1B-3B tier
39
Asset Growth Rate
growth
Value: 10.36%
Peer Avg: 4.83%
#39 of 304 Top 12.5% in 1B-3B tier
41
Deposit Growth Rate
growth
Value: 10.33%
Peer Avg: 5.58%
#41 of 304 Top 13.2% in 1B-3B tier

Top Weaknesses (3 metrics)

301
Average Member Relationship (AMR)
engagement
Value: $15,388
Peer Avg: $29,172
#301 of 304 Bottom 1.3% in 1B-3B tier
298
Loan-to-Member Ratio (LMR)
engagement
Value: $6,980
Peer Avg: $13,213
#298 of 304 Bottom 2.3% in 1B-3B tier
236
Net Charge-Off Rate
risk
Value: 0.86%
Peer Avg: 0.60%
#236 of 304 Bottom 22.7% in 1B-3B tier