CYPRUS

Charter #24688 | UT

1B-3B (304 CUs) Mid-Market (380 CUs)
5 1B-3B in UT

CYPRUS has 7 strengths but faces 2 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 16.3% in tier
  • + Wallet Share Momentum: Top 29.1% in tier
  • + Relationship Depth Leader: Top 35.2% in tier
  • + ROA 0.01% above tier average
  • + Net Interest Margin 0.43% above tier average
  • + Strong member growth: 5.4% YoY
  • + Loan-to-Share Ratio: Top 3.9% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 3.2% in tier
  • - Indirect Auto Dependency: Bottom 19.2% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (UT) National Avg Tier Percentile
Members 147,499
+5.4% YoY+1.6% QoQ
 +48.8K 98,678
-1.9% YoY
 76,315
+6.4% YoY
 33,089
+6.1% YoY
 Top 13.8% in tier
Assets $1.9B
+4.7% YoY+1.1% QoQ
 +$183.1M $1.7B
+0.5% YoY
 $1.2B
+10.2% YoY
 $547.7M
+7.8% YoY
 66th in tier
Loans $1.7B
+7.1% YoY+2.2% QoQ
 +$503.4M $1.2B
+0.5% YoY
 $924.9M
+10.2% YoY
 $388.7M
+8.6% YoY
 Top 16.8% in tier
Deposits $1.6B
+8.7% YoY+0.8% QoQ
 +$182.8M $1.5B
+1.3% YoY
 $1.1B
+10.6% YoY
 $464.6M
+9.3% YoY
 66th in tier
ROA 0.7%
-6.3% YoY+22.6% QoQ
 +0.0% 0.7%
+13.4% YoY
 0.9%
+11.6% YoY
 0.7%
+273.4% YoY
 56th in tier
NIM 3.7%
+7.7% YoY+2.0% QoQ
 +0.4% 3.3%
+9.3% YoY
 3.4%
+7.0% YoY
 3.7%
+5.0% YoY
 Top 21.7% in tier
Efficiency Ratio 71.2%
-6.9% YoY-2.2% QoQ
 -2.8% 74.0%
-10.9% YoY
 71.6%
-3.7% YoY
 79.1%
-3.3% YoY
 34th in tier
Delinquency Rate 0.3%
-24.1% YoY+20.9% QoQ
 -0.5 0.8%
+6.1% YoY
 0.7%
+11.8% YoY
 1.2%
-0.9% YoY
 Bottom 13.8% in tier
Loan To Share 106.1%
-1.5% YoY+1.4% QoQ
 +20.9% 85.2%
-0.8% YoY
 78.2%
-2.6% YoY
 68.0%
-1.7% YoY
 Top 4.3% in tier
AMR $22,872
+2.3% YoY-0.1% QoQ
 $-6K $29,172
+2.8% YoY
 $21,167
+3.5% YoY
 $19,418
+1.3% YoY
 Bottom 20.4% in tier
CD Concentration 34.7%
+2.0% YoY+1.4% QoQ
 +5.7% 29.0%
+0.8% YoY
 27.9%
+4.6% YoY
 19.6%
+6.2% YoY
 75th in tier
Indirect Auto % 29.6%
-4.1% YoY+1.3% QoQ
 +10.8% 18.8%
-2.8% YoY
 7.4%
-10.5% YoY
 7.9%
-2.9% YoY
 74th in tier

Signature Analysis

Strengths (3)

Organic Growth Engine

growth
#119 of 246 • Top 16.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 5.43%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 0.71%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 29.60%
(Tier: 18.80%, National: 7.90%)
but worse than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY

Wallet Share Momentum

growth
#211 of 264 • Top 29.1% in tier

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

Why This Signature
AMR Growth (YoY): 2.33%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#255 of 264 • Top 35.2% in tier

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

Why This Signature
AMR Growth (YoY): 2.33%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $1.9K
(Tier: $3.1K, National: $2.0K)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Concerns (2)

Liquidity Strain

risk
#18 of 183 • Bottom 3.2% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 106.07%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 7.13%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY

Indirect Auto Dependency

risk
#119 of 202 • Bottom 19.2% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 4.71%
(Tier: 5.36%, National: 3.04%)
worse than tier avg
Indirect Auto %: 29.60%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 5.43%
(Tier: 3.18%, National: 9.37%)
but better than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank worsening

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 304 peers in tier

Top Strengths (8 metrics)

13
Loan-to-Share Ratio
balance_sheet
Value: 106.07%
Peer Avg: 85.19%
#13 of 304 Top 3.9% in 1B-3B tier
40
First Mortgage Concentration (%)
balance_sheet
Value: 18.08%
Peer Avg: 34.01%
#40 of 304 Top 12.8% in 1B-3B tier
42
Total Members
engagement
Value: 147,499
Peer Avg: 98,678
#42 of 304 Top 13.5% in 1B-3B tier
43
Total Delinquency Rate (60+ days)
risk
Value: 0.31%
Peer Avg: 0.83%
#43 of 304 Top 13.8% in 1B-3B tier
49
Member Growth Rate
growth
Value: 5.43%
Peer Avg: 2.20%
#49 of 304 Top 15.8% in 1B-3B tier
51
Total Loans
balance_sheet
Value: $1.74B
Peer Avg: $1.23B
#51 of 304 Top 16.4% in 1B-3B tier
62
Deposit Growth Rate
growth
Value: 8.71%
Peer Avg: 5.58%
#62 of 304 Top 20.1% in 1B-3B tier
66
Net Interest Margin (NIM)
profitability
Value: 3.70%
Peer Avg: 3.26%
#66 of 304 Top 21.4% in 1B-3B tier

Top Weaknesses (3 metrics)

242
Average Member Relationship (AMR)
engagement
Value: $22,872
Peer Avg: $29,172
#242 of 304 Bottom 20.7% in 1B-3B tier
232
Share Certificate Concentration (%)
balance_sheet
Value: 34.66%
Peer Avg: 28.53%
#232 of 304 Bottom 24.0% in 1B-3B tier
229
Indirect Auto Concentration (%)
balance_sheet
Value: 29.60%
Peer Avg: 18.32%
#229 of 304 Bottom 25.0% in 1B-3B tier