COMMUNITY LINK
Charter #24770 | IN
<100M
(2596 CUs)
Micro
($0-$500M)
82 <100M in IN
COMMUNITY LINK has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.16% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 2.3% in tier
- + Fee Income Per Member: Top 8.9% in tier
Key Concerns
Areas that may need attention
- - Member decline: -13.7% YoY
- - Share Certificate Concentration (%): Bottom 2.6% in tier
- - Member Growth Rate: Bottom 3.3% in tier
- - First Mortgage Concentration (%): Bottom 4.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,635
-13.7% YoY-0.5% QoQ
|
+9 |
2,625
-2.2% YoY
|
22,637
+3.1% YoY
|
33,089
+6.1% YoY
|
62nd in tier |
| Assets |
$36.4M
+4.9% YoY+0.9% QoQ
|
+$6.6M |
$29.9M
+1.1% YoY
|
$383.9M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
66th in tier |
| Loans |
$20.5M
+2.8% YoY+3.5% QoQ
|
+$4.8M |
$15.8M
-2.4% YoY
|
$276.9M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
71st in tier |
| Deposits |
$31.8M
+4.3% YoY+0.5% QoQ
|
+$6.3M |
$25.5M
+0.4% YoY
|
$323.0M
+10.5% YoY
|
$464.6M
+9.3% YoY
|
67th in tier |
| ROA |
0.8%
+17.8% YoY+14.7% QoQ
|
+0.2% |
0.7%
-731.4% YoY
|
0.9%
+24.5% YoY
|
0.7%
+273.4% YoY
|
54th in tier |
| NIM |
3.2%
+5.6% YoY+3.9% QoQ
|
-0.8% |
3.9%
+3.8% YoY
|
3.8%
+8.0% YoY
|
3.7%
+5.0% YoY
|
Bottom 23.0% in tier |
| Efficiency Ratio |
79.2%
-6.9% YoY-1.1% QoQ
|
-2.2% |
81.4%
-2.4% YoY
|
77.7%
-3.5% YoY
|
79.1%
-3.3% YoY
|
52nd in tier |
| Delinquency Rate |
1.2%
+59.7% YoY+24.8% QoQ
|
-0.3 |
1.5%
-2.0% YoY
|
1.3%
+19.3% YoY
|
1.2%
-0.9% YoY
|
66th in tier |
| Loan To Share |
64.7%
-1.4% YoY+3.0% QoQ
|
+3.5% |
61.2%
-3.0% YoY
|
69.6%
-2.1% YoY
|
68.0%
-1.7% YoY
|
54th in tier |
| AMR |
$19,848
+20.1% YoY+2.1% QoQ
|
+$5K |
$14,627
-2.7% YoY
|
$18,326
+4.3% YoY
|
$19,418
+1.3% YoY
|
Top 21.2% in tier |
| CD Concentration |
52.2%
+21.0% YoY+13.3% QoQ
|
+27.8% |
24.4%
+4.2% YoY
|
19.0%
+9.9% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
11.0%
-3.5% 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)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
61
AMR Growth Rate
growth
Value:
20.14%
Peer Avg: 4.67%
#61 of 2596
Top 2.3% in <100M tier
233
Fee Income Per Member
profitability
Value:
$176.32
Peer Avg: $182.96
#233 of 2596
Top 8.9% in <100M tier
501
Loan-to-Member Ratio (LMR)
engagement
Value:
$7,798
Peer Avg: $5,488
#501 of 2596
Top 19.3% in <100M tier
550
Average Member Relationship (AMR)
engagement
Value:
$19,848
Peer Avg: $14,627
#550 of 2596
Top 21.1% in <100M tier
Top Weaknesses (5 metrics)
2530
Share Certificate Concentration (%)
balance_sheet
Value:
52.23%
Peer Avg: 15.37%
#2530 of 2596
Bottom 2.6% in <100M tier
2512
Member Growth Rate
growth
Value:
-13.69%
Peer Avg: 14.92%
#2512 of 2596
Bottom 3.3% in <100M tier
2484
First Mortgage Concentration (%)
balance_sheet
Value:
58.69%
Peer Avg: 14.49%
#2484 of 2596
Bottom 4.4% in <100M tier
2103
Members Per Employee (MPE)
engagement
Value:
219.583
Peer Avg: 365.701
#2103 of 2596
Bottom 19.0% in <100M tier
1998
Net Interest Margin (NIM)
profitability
Value:
3.17%
Peer Avg: 3.93%
#1998 of 2596
Bottom 23.1% in <100M tier