EPISCOPAL COMMUNITY
Charter #24506 | CA
<100M
(2596 CUs)
Micro
($0-$500M)
92 <100M in CA
EPISCOPAL COMMUNITY has 4 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 5.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.20% below tier average
- - Efficiency ratio 5.88% above tier (higher cost structure)
- - Member decline: -9.4% YoY
- - Net Worth Ratio: Bottom 4.9% in tier
- - Member Growth Rate: Bottom 6.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,015
-9.4% YoY-1.0% QoQ
|
-1.6K |
2,625
-2.2% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
29th in tier |
| Assets |
$6.2M
+4.3% YoY-4.7% QoQ
|
$-23.6M |
$29.9M
+1.1% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
Bottom 23.5% in tier |
| Loans |
$1.8M
+1.4% YoY-1.0% QoQ
|
$-14.0M |
$15.8M
-2.4% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 16.3% in tier |
| Deposits |
$5.6M
+3.0% YoY-5.4% QoQ
|
$-19.8M |
$25.5M
+0.4% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
26th in tier |
| ROA |
0.5%
-187.4% YoY+9.5% QoQ
|
-0.2% |
0.7%
-731.4% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
36th in tier |
| NIM |
3.8%
+4.5% YoY+5.0% QoQ
|
-0.1% |
3.9%
+3.8% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
48th in tier |
| Efficiency Ratio |
87.3%
-19.5% YoY-3.5% QoQ
|
+5.9% |
81.4%
-2.4% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
71st in tier |
| Delinquency Rate |
0.4%
-87.3% YoY-94.7% QoQ
|
-1.1 |
1.5%
-2.0% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
39th in tier |
| Loan To Share |
32.2%
-1.6% YoY+4.6% QoQ
|
-29.0% |
61.2%
-3.0% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
Bottom 11.9% in tier |
| AMR |
$7,313
+13.3% YoY-3.4% QoQ
|
$-7K |
$14,627
-2.7% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
Bottom 16.2% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
9.5%
-6.9% 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
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#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
149
AMR Growth Rate
growth
Value:
13.25%
Peer Avg: 4.67%
#149 of 2596
Top 5.7% in <100M tier
371
Members Per Employee (MPE)
engagement
Value:
507.500
Peer Avg: 365.701
#371 of 2596
Top 14.3% in <100M tier
Top Weaknesses (7 metrics)
2471
Net Worth Ratio
risk
Value:
8.07%
Peer Avg: 16.43%
#2471 of 2596
Bottom 4.9% in <100M tier
2426
Member Growth Rate
growth
Value:
-9.38%
Peer Avg: 14.92%
#2426 of 2596
Bottom 6.6% in <100M tier
2318
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,781
Peer Avg: $5,488
#2318 of 2596
Bottom 10.7% in <100M tier
2284
Loan-to-Share Ratio
balance_sheet
Value:
32.19%
Peer Avg: 61.23%
#2284 of 2596
Bottom 12.1% in <100M tier
2175
Average Member Relationship (AMR)
engagement
Value:
$7,313
Peer Avg: $14,627
#2175 of 2596
Bottom 16.3% in <100M tier
2172
Total Loans
balance_sheet
Value:
$1.81M
Peer Avg: $15.77M
#2172 of 2596
Bottom 16.4% in <100M tier
1985
Total Assets
balance_sheet
Value:
$6.24M
Peer Avg: $29.86M
#1985 of 2596
Bottom 23.6% in <100M tier