BROOKLAND
Charter #24623 | SC
<100M
(2596 CUs)
Micro
($0-$500M)
24 <100M in SC
BROOKLAND has 7 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 4.80% above tier average
- + Net Interest Margin 1.21% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 1.2% in tier
- + Asset Growth Rate: Top 2.9% in tier
- + Deposit Growth Rate: Top 6.3% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.39% above tier average
- - Member decline: -2.1% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,238
-2.1% YoY-0.6% QoQ
|
-1.4K |
2,625
-2.2% YoY
|
37,124
+2.2% YoY
|
33,089
+6.1% YoY
|
34th in tier |
| Assets |
$5.4M
+15.5% YoY-0.3% QoQ
|
$-24.4M |
$29.9M
+1.1% YoY
|
$514.3M
+4.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 20.8% in tier |
| Loans |
$2.6M
-15.3% YoY-3.9% QoQ
|
$-13.1M |
$15.8M
-2.4% YoY
|
$362.8M
+7.0% YoY
|
$388.7M
+8.6% YoY
|
Bottom 21.4% in tier |
| Deposits |
$4.8M
+11.7% YoY+0.6% QoQ
|
$-20.7M |
$25.5M
+0.4% YoY
|
$433.3M
+6.0% YoY
|
$464.6M
+9.3% YoY
|
Bottom 22.7% in tier |
| ROA |
5.5%
+2293.3% YoY+177.0% QoQ
|
+4.8% |
0.7%
-731.4% YoY
|
1.2%
+18.8% YoY
|
0.7%
+273.4% YoY
|
Top 0.7% in tier |
| NIM |
5.1%
-17.5% YoY+1.2% QoQ
|
+1.2% |
3.9%
+3.8% YoY
|
4.3%
+2.6% YoY
|
3.7%
+5.0% YoY
|
Top 11.6% in tier |
| Efficiency Ratio |
60.0%
-36.9% YoY-22.7% QoQ
|
-21.4% |
81.4%
-2.4% YoY
|
75.1%
-1.9% YoY
|
79.1%
-3.3% YoY
|
Bottom 14.1% in tier |
| Delinquency Rate |
1.9%
-23.0% YoY-61.5% QoQ
|
+0.4 |
1.5%
-2.0% YoY
|
0.9%
+10.3% YoY
|
1.2%
-0.9% YoY
|
Top 21.6% in tier |
| Loan To Share |
55.2%
-24.2% YoY-4.5% QoQ
|
-6.0% |
61.2%
-3.0% YoY
|
71.3%
-1.2% YoY
|
68.0%
-1.7% YoY
|
40th in tier |
| AMR |
$5,981
+2.5% YoY-0.5% QoQ
|
$-9K |
$14,627
-2.7% YoY
|
$16,641
+2.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 11.8% in tier |
| CD Concentration |
8.9%
-6.9% YoY+1.9% QoQ
|
-15.5% |
24.4%
+4.2% YoY
|
17.4%
+3.6% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
5.9%
-5.3% 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
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
17
Return on Assets (ROA)
profitability
Value:
5.48%
Peer Avg: 0.68%
#17 of 2596
Top 0.6% in <100M tier
31
Fee Income Per Member
profitability
Value:
$411.35
Peer Avg: $182.96
#31 of 2596
Top 1.2% in <100M tier
75
Asset Growth Rate
growth
Value:
15.50%
Peer Avg: 1.82%
#75 of 2596
Top 2.9% in <100M tier
164
Deposit Growth Rate
growth
Value:
11.68%
Peer Avg: 16.80%
#164 of 2596
Top 6.3% in <100M tier
300
Net Interest Margin (NIM)
profitability
Value:
5.14%
Peer Avg: 3.93%
#300 of 2596
Top 11.5% in <100M tier
368
Efficiency Ratio
profitability
Value:
60.04%
Peer Avg: 81.39%
#368 of 2596
Top 14.1% in <100M tier
Top Weaknesses (9 metrics)
2312
Loan Growth Rate
growth
Value:
-15.35%
Peer Avg: 59.01%
#2312 of 2596
Bottom 11.0% in <100M tier
2289
Average Member Relationship (AMR)
engagement
Value:
$5,981
Peer Avg: $14,627
#2289 of 2596
Bottom 11.9% in <100M tier
2227
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,127
Peer Avg: $5,488
#2227 of 2596
Bottom 14.3% in <100M tier
2164
Members Per Employee (MPE)
engagement
Value:
206.333
Peer Avg: 365.701
#2164 of 2596
Bottom 16.7% in <100M tier
2123
Net Charge-Off Rate
risk
Value:
0.83%
Peer Avg: 0.57%
#2123 of 2596
Bottom 18.3% in <100M tier
2056
Total Assets
balance_sheet
Value:
$5.41M
Peer Avg: $29.86M
#2056 of 2596
Bottom 20.8% in <100M tier
2040
Total Loans
balance_sheet
Value:
$2.63M
Peer Avg: $15.77M
#2040 of 2596
Bottom 21.5% in <100M tier
2035
Total Delinquency Rate (60+ days)
risk
Value:
1.90%
Peer Avg: 1.51%
#2035 of 2596
Bottom 21.6% in <100M tier
2007
Total Deposits
balance_sheet
Value:
$4.77M
Peer Avg: $25.45M
#2007 of 2596
Bottom 22.7% in <100M tier