DN COMMUNITY
Charter #24720 | OH
<100M
(2596 CUs)
Micro
($0-$500M)
121 <100M in OH
DN COMMUNITY has 2 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.81% above tier average
- + Loan-to-Share Ratio: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.67% below tier average
- - Efficiency ratio 9.02% above tier (higher cost structure)
- - Asset Growth Rate: Bottom 0.9% in tier
- - Deposit Growth Rate: Bottom 1.2% in tier
- - AMR Growth Rate: Bottom 1.3% in tier
- - Loan Growth Rate: Bottom 3.8% in tier
- - Net Worth Ratio: Bottom 5.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,033
-0.6% YoY+1.8% QoQ
|
+407 |
2,625
-2.2% YoY
|
16,553
+5.8% YoY
|
33,089
+6.1% YoY
|
67th in tier |
| Assets |
$21.9M
-24.3% YoY-17.3% QoQ
|
$-7.9M |
$29.9M
+1.1% YoY
|
$245.2M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
51st in tier |
| Loans |
$18.4M
-25.7% YoY-12.0% QoQ
|
+$2.6M |
$15.8M
-2.4% YoY
|
$170.6M
+8.7% YoY
|
$388.7M
+8.6% YoY
|
67th in tier |
| Deposits |
$20.0M
-25.6% YoY-18.9% QoQ
|
$-5.4M |
$25.5M
+0.4% YoY
|
$209.1M
+9.7% YoY
|
$464.6M
+9.3% YoY
|
52nd in tier |
| ROA |
0.0%
-104.4% YoY-103.3% QoQ
|
-0.7% |
0.7%
-731.4% YoY
|
0.5%
-7.3% YoY
|
0.7%
+273.4% YoY
|
Bottom 16.9% in tier |
| NIM |
4.7%
+18.1% YoY+17.1% QoQ
|
+0.8% |
3.9%
+3.8% YoY
|
3.7%
+3.3% YoY
|
3.7%
+5.0% YoY
|
Top 19.9% in tier |
| Efficiency Ratio |
90.4%
-3.1% YoY-3.7% QoQ
|
+9.0% |
81.4%
-2.4% YoY
|
83.9%
+3.6% YoY
|
79.1%
-3.3% YoY
|
Top 22.6% in tier |
| Delinquency Rate |
1.4%
-22.4% YoY+19.7% QoQ
|
-0.1 |
1.5%
-2.0% YoY
|
1.5%
+29.9% YoY
|
1.2%
-0.9% YoY
|
72nd in tier |
| Loan To Share |
91.8%
-0.2% YoY+8.5% QoQ
|
+30.5% |
61.2%
-3.0% YoY
|
63.8%
-2.4% YoY
|
68.0%
-1.7% YoY
|
Top 9.6% in tier |
| AMR |
$12,672
-25.2% YoY-17.2% QoQ
|
$-2K |
$14,627
-2.7% YoY
|
$17,099
+5.9% YoY
|
$19,418
+1.3% YoY
|
44th in tier |
| CD Concentration |
10.5%
-68.2% YoY-60.0% QoQ
|
-13.9% |
24.4%
+4.2% YoY
|
19.2%
+8.0% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % |
7.2%
-38.8% YoY+4.4% QoQ
|
-6.8% |
14.0%
-5.8% YoY
|
11.2%
-0.8% 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 (3 metrics)
245
Loan-to-Share Ratio
balance_sheet
Value:
91.78%
Peer Avg: 61.23%
#245 of 2596
Top 9.4% in <100M tier
516
Net Interest Margin (NIM)
profitability
Value:
4.75%
Peer Avg: 3.93%
#516 of 2596
Top 19.8% in <100M tier
595
Members Per Employee (MPE)
engagement
Value:
433.286
Peer Avg: 365.701
#595 of 2596
Top 22.9% in <100M tier
Top Weaknesses (9 metrics)
2573
Asset Growth Rate
growth
Value:
-24.34%
Peer Avg: 1.82%
#2573 of 2596
Bottom 0.9% in <100M tier
2567
Deposit Growth Rate
growth
Value:
-25.61%
Peer Avg: 16.80%
#2567 of 2596
Bottom 1.2% in <100M tier
2563
AMR Growth Rate
growth
Value:
-25.25%
Peer Avg: 4.67%
#2563 of 2596
Bottom 1.3% in <100M tier
2498
Loan Growth Rate
growth
Value:
-25.73%
Peer Avg: 59.01%
#2498 of 2596
Bottom 3.8% in <100M tier
2456
Net Worth Ratio
risk
Value:
8.21%
Peer Avg: 16.43%
#2456 of 2596
Bottom 5.4% in <100M tier
2327
Indirect Auto Concentration (%)
balance_sheet
Value:
7.19%
Peer Avg: 2.84%
#2327 of 2596
Bottom 10.4% in <100M tier
2158
Return on Assets (ROA)
profitability
Value:
0.01%
Peer Avg: 0.68%
#2158 of 2596
Bottom 16.9% in <100M tier
2011
Efficiency Ratio
profitability
Value:
90.41%
Peer Avg: 81.39%
#2011 of 2596
Bottom 22.6% in <100M tier
1962
Net Charge-Off Rate
risk
Value:
0.63%
Peer Avg: 0.57%
#1962 of 2596
Bottom 24.5% in <100M tier