FAMILY ADVANTAGE
Charter #24603 | TN
<100M
(2596 CUs)
Micro
($0-$500M)
88 <100M in TN
FAMILY ADVANTAGE has 4 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Deposits: Top 0.3% in tier
- + Total Assets: Top 1.3% in tier
- + Total Members: Top 5.1% in tier
- + Total Loans: Top 7.9% in tier
Key Concerns
Areas that may need attention
- - ROA 2.77% below tier average
- - Efficiency ratio 9.89% above tier (higher cost structure)
- - Delinquency rate 0.11% above tier average
- - Member decline: -2.1% YoY
- - Net Charge-Off Rate: Bottom 4.5% in tier
- - Loan Growth Rate: Bottom 6.1% in tier
- - Net Worth Ratio: Bottom 8.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,324
-2.1% YoY-1.1% QoQ
|
+4.7K |
2,625
-2.2% YoY
|
21,139
+4.9% YoY
|
33,089
+6.1% YoY
|
Top 5.1% in tier |
| Assets |
$96.2M
-0.1% YoY-3.2% QoQ
|
+$66.3M |
$29.9M
+1.1% YoY
|
$362.5M
+9.5% YoY
|
$547.7M
+7.8% YoY
|
Top 1.3% in tier |
| Loans |
$44.5M
-20.2% YoY-7.0% QoQ
|
+$28.7M |
$15.8M
-2.4% YoY
|
$271.1M
+9.1% YoY
|
$388.7M
+8.6% YoY
|
Top 7.9% in tier |
| Deposits |
$87.7M
+1.3% YoY-2.4% QoQ
|
+$62.2M |
$25.5M
+0.4% YoY
|
$303.0M
+8.7% YoY
|
$464.6M
+9.3% YoY
|
Top 0.4% in tier |
| ROA |
-2.1%
-446.3% YoY+79.4% QoQ
|
-2.8% |
0.7%
-731.4% YoY
|
0.8%
+4.1% YoY
|
0.7%
+273.4% YoY
|
Bottom 2.9% in tier |
| NIM |
3.8%
-3.5% YoY+2.4% QoQ
|
-0.2% |
3.9%
+3.8% YoY
|
3.8%
+5.1% YoY
|
3.7%
+5.0% YoY
|
45th in tier |
| Efficiency Ratio |
91.3%
+18.9% YoY-2.7% QoQ
|
+9.9% |
81.4%
-2.4% YoY
|
75.4%
-1.8% YoY
|
79.1%
-3.3% YoY
|
Top 21.2% in tier |
| Delinquency Rate |
1.6%
-54.3% YoY-1.0% QoQ
|
+0.1 |
1.5%
-2.0% YoY
|
1.1%
+8.5% YoY
|
1.2%
-0.9% YoY
|
74th in tier |
| Loan To Share |
50.7%
-21.2% YoY-4.7% QoQ
|
-10.5% |
61.2%
-3.0% YoY
|
70.4%
-2.4% YoY
|
68.0%
-1.7% YoY
|
33rd in tier |
| AMR |
$18,041
-5.1% YoY-2.9% QoQ
|
+$3K |
$14,627
-2.7% YoY
|
$18,470
+2.4% YoY
|
$19,418
+1.3% YoY
|
72nd in tier |
| CD Concentration |
17.6%
+31.6% YoY-15.2% QoQ
|
-6.8% |
24.4%
+4.2% YoY
|
22.3%
+6.6% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % |
5.3%
-19.4% YoY-4.1% QoQ
|
-8.6% |
14.0%
-5.8% YoY
|
6.9%
+1.1% 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)
10
Total Deposits
balance_sheet
Value:
$87.66M
Peer Avg: $25.45M
#10 of 2596
Top 0.3% in <100M tier
35
Total Assets
balance_sheet
Value:
$96.19M
Peer Avg: $29.86M
#35 of 2596
Top 1.3% in <100M tier
133
Total Members
engagement
Value:
7,324
Peer Avg: 2,626
#133 of 2596
Top 5.1% in <100M tier
205
Total Loans
balance_sheet
Value:
$44.47M
Peer Avg: $15.77M
#205 of 2596
Top 7.9% in <100M tier
636
Fee Income Per Member
profitability
Value:
$119.82
Peer Avg: $182.96
#636 of 2596
Top 24.5% in <100M tier
Top Weaknesses (7 metrics)
2520
Return on Assets (ROA)
profitability
Value:
-2.09%
Peer Avg: 0.68%
#2520 of 2596
Bottom 3.0% in <100M tier
2481
Net Charge-Off Rate
risk
Value:
2.44%
Peer Avg: 0.57%
#2481 of 2596
Bottom 4.5% in <100M tier
2438
Loan Growth Rate
growth
Value:
-20.22%
Peer Avg: 59.01%
#2438 of 2596
Bottom 6.1% in <100M tier
2385
Net Worth Ratio
risk
Value:
8.78%
Peer Avg: 16.43%
#2385 of 2596
Bottom 8.2% in <100M tier
2306
Indirect Auto Concentration (%)
balance_sheet
Value:
5.32%
Peer Avg: 2.84%
#2306 of 2596
Bottom 11.2% in <100M tier
2149
AMR Growth Rate
growth
Value:
-5.14%
Peer Avg: 4.67%
#2149 of 2596
Bottom 17.3% in <100M tier
2046
Efficiency Ratio
profitability
Value:
91.29%
Peer Avg: 81.39%
#2046 of 2596
Bottom 21.2% in <100M tier