CLEVELAND SELFRELIANCE

Charter #24516 | OH

100M-500M (1077 CUs) Micro
58 100M-500M in OH

CLEVELAND SELFRELIANCE has 7 strengths but faces 15 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 2.9% in tier
  • + Wallet Share Momentum: Top 9.7% in tier
  • + Emerging Performer: Top 27.8% in tier
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Total Delinquency Rate (60+ days): Top 0.3% in tier
  • + Net Worth Ratio: Top 4.0% in tier
  • + Loan Growth Rate: Top 4.8% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 0.6% in tier
  • - Cost Spiral: Bottom 6.6% in tier
  • - Stagnation Risk: Bottom 11.2% in tier
  • - Membership Headwinds: Bottom 17.9% in tier
  • - ROA 0.24% below tier average
  • - Member decline: -2.3% YoY
  • - First Mortgage Concentration (%): Bottom 0.1% in tier
  • - Fee Income Per Member: Bottom 0.6% in tier
  • - Total Loans: Bottom 0.6% in tier
  • - Total Deposits: Bottom 0.6% in tier
  • - Total Members: Bottom 0.8% in tier
  • - Total Assets: Bottom 1.4% in tier
  • - Loan-to-Share Ratio: Bottom 1.8% in tier
  • - Net Interest Margin (NIM): Bottom 3.7% in tier
  • - Share Certificate Concentration (%): Bottom 4.2% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Members 3,246
-2.3% YoY-0.7% QoQ
 -12.4K 15,628
-3.4% YoY
 16,553
+5.8% YoY
 33,089
+6.1% YoY
 Bottom 0.7% in tier
Assets $102.2M
+1.6% YoY-0.3% QoQ
 $-129.1M $231.3M
-0.0% YoY
 $245.2M
+8.8% YoY
 $547.7M
+7.8% YoY
 Bottom 1.3% in tier
Loans $25.3M
+17.7% YoY+0.9% QoQ
 $-122.5M $147.8M
-1.4% YoY
 $170.6M
+8.7% YoY
 $388.7M
+8.6% YoY
 Bottom 0.6% in tier
Deposits $82.7M
+1.2% YoY-0.4% QoQ
 $-117.5M $200.3M
-0.0% YoY
 $209.1M
+9.7% YoY
 $464.6M
+9.3% YoY
 Bottom 0.6% in tier
ROA 0.6%
-44.8% YoY+2.0% QoQ
 -0.2% 0.8%
+15.5% YoY
 0.5%
-7.3% YoY
 0.7%
+273.4% YoY
 36th in tier
NIM 2.3%
-10.3% YoY+0.5% QoQ
 -1.3% 3.6%
+6.9% YoY
 3.7%
+3.3% YoY
 3.7%
+5.0% YoY
 Bottom 3.6% in tier
Efficiency Ratio 73.1%
+20.5% YoY+1.7% QoQ
 -4.2% 77.3%
-3.0% YoY
 83.9%
+3.6% YoY
 79.1%
-3.3% YoY
 34th in tier
Delinquency Rate 0.0%
-62.3% YoY
 -0.9 0.9%
+7.6% YoY
 1.5%
+29.9% YoY
 1.2%
-0.9% YoY
 Bottom 0.3% in tier
Loan To Share 30.5%
+16.3% YoY+1.3% QoQ
 -42.2% 72.7%
-1.5% YoY
 63.8%
-2.4% YoY
 68.0%
-1.7% YoY
 Bottom 1.7% in tier
AMR $33,278
+7.1% YoY+0.6% QoQ
 +$9K $24,363
+2.9% YoY
 $17,099
+5.9% YoY
 $19,418
+1.3% YoY
 Top 11.2% in tier
CD Concentration 43.1%
+8.5% YoY+4.0% QoQ
 +18.7% 24.4%
+4.2% YoY
 19.2%
+8.0% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 11.2%
-0.8% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth
#80 of 1006 • Top 2.9% in tier

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

Why This Signature
AMR Growth (YoY): 7.12%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.9K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Wallet Share Momentum

growth
#268 of 1006 • Top 9.7% in tier

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

Why This Signature
AMR Growth (YoY): 7.12%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Emerging Performer

growth
#521 of 627 • Top 27.8% in tier

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

Why This Signature
Return on Assets: 0.55%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): -2.32%
(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 | Rank worsening

Concerns (4)

Liquidity Overhang

risk
#10 of 552 • Bottom 0.6% 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: 18.88%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 30.54%
(Tier: 74.56%, National: 67.96%)
worse than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY

Cost Spiral

risk
#17 of 62 • Bottom 6.6% in tier

Historically lean operator now seeing efficiency ratio rise significantly. Efficiency advantage eroding - early intervention critical.

Why This Signature
Efficiency Ratio Change: 12.41% points
(Tier: -2.84% points, National: -1.81% points)
worse than tier avg
Efficiency Ratio (Prior Year): -
(Tier: -, National: -)
Total Assets: $102.24M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
62 of 1077 Community CUs have this signature | 80 nationally
↓ Shrinking -38 CUs YoY | Rank improving

Stagnation Risk

risk
#186 of 550 • Bottom 11.2% 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: 0.55%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -2.32%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $33.3K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 43.10%
(Tier: 24.41%, National: 19.60%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Membership Headwinds

decline
#295 of 550 • Bottom 17.9% in tier

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

Why This Signature
Member Growth (YoY): -2.32%
(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

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 (7 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
4
Total Delinquency Rate (60+ days)
risk
Value: 0.00%
Peer Avg: 0.86%
#4 of 1077 Top 0.3% in 100M-500M tier
44
Net Worth Ratio
risk
Value: 18.88%
Peer Avg: 12.15%
#44 of 1077 Top 4.0% in 100M-500M tier
53
Loan Growth Rate
growth
Value: 17.68%
Peer Avg: 3.45%
#53 of 1077 Top 4.8% in 100M-500M tier
119
Net Charge-Off Rate
risk
Value: 0.07%
Peer Avg: 0.47%
#119 of 1077 Top 11.0% in 100M-500M tier
121
Average Member Relationship (AMR)
engagement
Value: $33,278
Peer Avg: $24,363
#121 of 1077 Top 11.1% in 100M-500M tier
211
AMR Growth Rate
growth
Value: 7.12%
Peer Avg: 3.64%
#211 of 1077 Top 19.5% in 100M-500M tier

Top Weaknesses (11 metrics)

1077
First Mortgage Concentration (%)
balance_sheet
Value: 89.97%
Peer Avg: 30.43%
#1077 of 1077 Bottom 0.1% in 100M-500M tier
1071
Fee Income Per Member
profitability
Value: $17.70
Peer Avg: $174.31
#1071 of 1077 Bottom 0.6% in 100M-500M tier
1071
Total Loans
balance_sheet
Value: $25.27M
Peer Avg: $147.80M
#1071 of 1077 Bottom 0.6% in 100M-500M tier
1071
Total Deposits
balance_sheet
Value: $82.75M
Peer Avg: $200.29M
#1071 of 1077 Bottom 0.6% in 100M-500M tier
1069
Total Members
engagement
Value: 3,246
Peer Avg: 15,628
#1069 of 1077 Bottom 0.8% in 100M-500M tier
1063
Total Assets
balance_sheet
Value: $102.24M
Peer Avg: $231.30M
#1063 of 1077 Bottom 1.4% in 100M-500M tier
1059
Loan-to-Share Ratio
balance_sheet
Value: 30.54%
Peer Avg: 72.70%
#1059 of 1077 Bottom 1.8% in 100M-500M tier
1038
Net Interest Margin (NIM)
profitability
Value: 2.26%
Peer Avg: 3.58%
#1038 of 1077 Bottom 3.7% in 100M-500M tier
1033
Share Certificate Concentration (%)
balance_sheet
Value: 43.10%
Peer Avg: 23.61%
#1033 of 1077 Bottom 4.2% in 100M-500M tier
886
Members Per Employee (MPE)
engagement
Value: 249.692
Peer Avg: 332.881
#886 of 1077 Bottom 17.8% in 100M-500M tier