HANIN
Charter #24549 | CA
<100M
(2596 CUs)
Micro
($0-$500M)
92 <100M in CA
HANIN has 6 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.72% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 0.8% in tier
- + AMR Growth Rate: Top 1.0% in tier
- + Loan-to-Member Ratio (LMR): Top 4.5% in tier
- + Average Member Relationship (AMR): Top 6.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.03% below tier average
- - Efficiency ratio 7.23% above tier (higher cost structure)
- - Member decline: -32.5% YoY
- - Share Certificate Concentration (%): Bottom 0.4% in tier
- - Member Growth Rate: Bottom 1.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,334
-32.5% YoY-4.7% QoQ
|
-291 |
2,625
-2.2% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
58th in tier |
| Assets |
$37.4M
-5.2% YoY-3.2% QoQ
|
+$7.6M |
$29.9M
+1.1% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
68th in tier |
| Loans |
$28.3M
-10.9% YoY-3.3% QoQ
|
+$12.5M |
$15.8M
-2.4% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Top 19.7% in tier |
| Deposits |
$32.3M
-6.2% YoY-3.7% QoQ
|
+$6.9M |
$25.5M
+0.4% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
68th in tier |
| ROA |
0.7%
-13.9% YoY-10.5% QoQ
|
-0.0% |
0.7%
-731.4% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
44th in tier |
| NIM |
4.6%
+3.1% YoY+0.2% QoQ
|
+0.7% |
3.9%
+3.8% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
Top 21.9% in tier |
| Efficiency Ratio |
88.6%
-0.6% YoY+0.8% QoQ
|
+7.2% |
81.4%
-2.4% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
74th in tier |
| Delinquency Rate |
1.4%
+20.0% YoY+4.1% QoQ
|
-0.1 |
1.5%
-2.0% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
70th in tier |
| Loan To Share |
87.5%
-5.0% YoY+0.4% QoQ
|
+26.3% |
61.2%
-3.0% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
Top 13.7% in tier |
| AMR |
$25,981
+35.7% YoY+1.3% QoQ
|
+$11K |
$14,627
-2.7% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
Top 6.9% in tier |
| CD Concentration |
76.7%
-3.3% YoY-4.1% QoQ
|
+52.3% |
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 (8 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
22
Fee Income Per Member
profitability
Value:
$504.22
Peer Avg: $182.96
#22 of 2596
Top 0.8% in <100M tier
28
AMR Growth Rate
growth
Value:
35.69%
Peer Avg: 4.67%
#28 of 2596
Top 1.0% in <100M tier
119
Loan-to-Member Ratio (LMR)
engagement
Value:
$12,126
Peer Avg: $5,488
#119 of 2596
Top 4.5% in <100M tier
179
Average Member Relationship (AMR)
engagement
Value:
$25,981
Peer Avg: $14,627
#179 of 2596
Top 6.9% in <100M tier
352
Loan-to-Share Ratio
balance_sheet
Value:
87.52%
Peer Avg: 61.23%
#352 of 2596
Top 13.5% in <100M tier
511
Total Loans
balance_sheet
Value:
$28.30M
Peer Avg: $15.77M
#511 of 2596
Top 19.6% in <100M tier
569
Net Interest Margin (NIM)
profitability
Value:
4.65%
Peer Avg: 3.93%
#569 of 2596
Top 21.9% in <100M tier
Top Weaknesses (6 metrics)
2586
Share Certificate Concentration (%)
balance_sheet
Value:
76.74%
Peer Avg: 15.37%
#2586 of 2596
Bottom 0.4% in <100M tier
2571
Member Growth Rate
growth
Value:
-32.54%
Peer Avg: 14.92%
#2571 of 2596
Bottom 1.0% in <100M tier
2244
Asset Growth Rate
growth
Value:
-5.18%
Peer Avg: 1.82%
#2244 of 2596
Bottom 13.6% in <100M tier
2241
Deposit Growth Rate
growth
Value:
-6.24%
Peer Avg: 16.80%
#2241 of 2596
Bottom 13.7% in <100M tier
2216
Members Per Employee (MPE)
engagement
Value:
194.500
Peer Avg: 365.701
#2216 of 2596
Bottom 14.7% in <100M tier
2108
Loan Growth Rate
growth
Value:
-10.89%
Peer Avg: 59.01%
#2108 of 2596
Bottom 18.8% in <100M tier