EMPOWERMENT COMMUNITY DEVELOPMENT
Charter #24769 | TX
<100M
(2596 CUs)
Micro
($0-$500M)
245 <100M in TX
EMPOWERMENT COMMUNITY DEVELOPMENT has 6 strengths but faces 13 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.20% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 7.7% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.63% below tier average
- - Efficiency ratio 17.68% above tier (higher cost structure)
- - Delinquency rate 9.21% above tier average
- - Member decline: -4.2% YoY
- - Asset Growth Rate: Bottom 0.8% in tier
- - Deposit Growth Rate: Bottom 1.0% in tier
- - Total Delinquency Rate (60+ days): Bottom 2.1% in tier
- - Average Member Relationship (AMR): Bottom 2.9% in tier
- - AMR Growth Rate: Bottom 3.6% in tier
- - Total Assets: Bottom 4.5% in tier
- - Total Deposits: Bottom 5.1% in tier
- - Loan-to-Member Ratio (LMR): Bottom 5.2% in tier
- - Total Loans: Bottom 7.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
596
-4.2% YoY-0.7% QoQ
|
-2.0K |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
Bottom 16.2% in tier |
| Assets |
$755,012
-25.2% YoY-20.4% QoQ
|
$-29.1M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
Bottom 4.5% in tier |
| Loans |
$471,400
-1.4% YoY-6.1% QoQ
|
$-15.3M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 7.3% in tier |
| Deposits |
$674,854
-27.5% YoY-21.8% QoQ
|
$-24.8M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
Bottom 5.1% in tier |
| ROA |
0.0%
-53.1% YoY-108.1% QoQ
|
-0.6% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 17.8% in tier |
| NIM |
5.1%
+28.0% YoY+37.3% QoQ
|
+1.2% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
Top 11.7% in tier |
| Efficiency Ratio |
99.1%
+1.7% YoY-14.2% QoQ
|
+17.7% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
Top 11.8% in tier |
| Delinquency Rate |
10.7%
+32.3% QoQ
|
+9.2 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
Top 2.1% in tier |
| Loan To Share |
69.9%
+36.0% YoY+20.1% QoQ
|
+8.6% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
62nd in tier |
| AMR |
$1,923
-15.1% YoY-15.5% QoQ
|
$-13K |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 2.8% in tier |
| CD Concentration |
0.0%
-100.0% YoY
|
-24.4% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
7.2%
-0.2% 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 (6 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
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
202
Members Per Employee (MPE)
engagement
Value:
596.000
Peer Avg: 365.701
#202 of 2596
Top 7.7% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
303
Net Interest Margin (NIM)
profitability
Value:
5.14%
Peer Avg: 3.93%
#303 of 2596
Top 11.6% in <100M tier
Top Weaknesses (15 metrics)
2575
Asset Growth Rate
growth
Value:
-25.15%
Peer Avg: 1.82%
#2575 of 2596
Bottom 0.8% in <100M tier
2571
Deposit Growth Rate
growth
Value:
-27.52%
Peer Avg: 16.80%
#2571 of 2596
Bottom 1.0% in <100M tier
2542
Total Delinquency Rate (60+ days)
risk
Value:
10.72%
Peer Avg: 1.51%
#2542 of 2596
Bottom 2.1% in <100M tier
2523
Average Member Relationship (AMR)
engagement
Value:
$1,923
Peer Avg: $14,627
#2523 of 2596
Bottom 2.9% in <100M tier
2503
AMR Growth Rate
growth
Value:
-15.11%
Peer Avg: 4.67%
#2503 of 2596
Bottom 3.6% in <100M tier
2479
Total Assets
balance_sheet
Value:
$755,012
Peer Avg: $29.86M
#2479 of 2596
Bottom 4.5% in <100M tier
2464
Total Deposits
balance_sheet
Value:
$674,854
Peer Avg: $25.45M
#2464 of 2596
Bottom 5.1% in <100M tier
2461
Loan-to-Member Ratio (LMR)
engagement
Value:
$790.94
Peer Avg: $5,488
#2461 of 2596
Bottom 5.2% in <100M tier
2407
Total Loans
balance_sheet
Value:
$471,400
Peer Avg: $15.77M
#2407 of 2596
Bottom 7.3% in <100M tier
2291
Efficiency Ratio
profitability
Value:
99.07%
Peer Avg: 81.39%
#2291 of 2596
Bottom 11.8% in <100M tier