ALLTRU

Charter #24774 | MO

100M-500M (1077 CUs) Micro
24 100M-500M in MO

ALLTRU has 8 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 10.4% in tier
  • + Relationship Depth Leader: Top 19.8% in tier
  • + Organic Growth Engine: Top 20.0% in tier
  • + ROA 0.44% above tier average
  • + Net Interest Margin 2.09% above tier average
  • + Total Members: Top 1.4% in tier
  • + Total Loans: Top 4.6% in tier
  • + Deposit Growth Rate: Top 5.5% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 2.2% in tier
  • - Credit Quality Pressure: Bottom 10.4% in tier
  • - Growth-at-Risk: Bottom 13.0% in tier
  • - Liquidity Strain: Bottom 27.8% in tier
  • - Delinquency rate 0.77% above tier average
  • - Indirect Auto Concentration (%): Bottom 1.9% in tier
  • - Net Charge-Off Rate: Bottom 2.6% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Members 40,706
+2.1% YoY+1.3% QoQ
 +25.1K 15,628
-3.4% YoY
 15,920
+4.0% YoY
 33,089
+6.1% YoY
 Top 1.5% in tier
Assets $382.8M
+6.5% YoY+2.2% QoQ
 +$151.5M $231.3M
-0.0% YoY
 $210.9M
+9.4% YoY
 $547.7M
+7.8% YoY
 Top 13.5% in tier
Loans $314.3M
+5.0% YoY+2.6% QoQ
 +$166.5M $147.8M
-1.4% YoY
 $147.8M
+9.0% YoY
 $388.7M
+8.6% YoY
 Top 4.7% in tier
Deposits $344.3M
+13.1% YoY+1.1% QoQ
 +$144.0M $200.3M
-0.0% YoY
 $183.9M
+12.2% YoY
 $464.6M
+9.3% YoY
 Top 11.0% in tier
ROA 1.2%
+432.9% YoY+908.3% QoQ
 +0.4% 0.8%
+15.5% YoY
 0.6%
+117.2% YoY
 0.7%
+273.4% YoY
 Top 20.8% in tier
NIM 5.7%
+9.3% YoY-0.4% QoQ
 +2.1% 3.6%
+6.9% YoY
 3.8%
+3.2% YoY
 3.7%
+5.0% YoY
 Top 0.5% in tier
Efficiency Ratio 64.7%
-16.5% YoY-15.1% QoQ
 -12.6% 77.3%
-3.0% YoY
 78.5%
-6.5% YoY
 79.1%
-3.3% YoY
 Bottom 14.9% in tier
Delinquency Rate 1.6%
+23.3% YoY+16.3% QoQ
 +0.8 0.9%
+7.6% YoY
 1.2%
+9.9% YoY
 1.2%
-0.9% YoY
 Top 11.9% in tier
Loan To Share 91.3%
-7.2% YoY+1.4% QoQ
 +18.6% 72.7%
-1.5% YoY
 72.3%
-3.7% YoY
 68.0%
-1.7% YoY
 Top 13.5% in tier
AMR $16,180
+6.8% YoY+0.5% QoQ
 $-8K $24,363
+2.9% YoY
 $16,810
+3.4% YoY
 $19,418
+1.3% YoY
 Bottom 14.3% in tier
CD Concentration 29.3%
+26.2% YoY+7.9% QoQ
 +4.9% 24.4%
+4.2% YoY
 18.1%
+9.5% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 61.6%
+1.0% YoY-0.2% QoQ
 +47.6% 14.0%
-5.8% YoY
 10.3%
-9.1% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth
#288 of 1006 • Top 10.4% in tier

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

Why This Signature
AMR Growth (YoY): 6.85%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Relationship Depth Leader

growth
#547 of 1006 • Top 19.8% in tier

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

Why This Signature
AMR Growth (YoY): 6.85%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.1K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Organic Growth Engine

growth
#368 of 603 • Top 20.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.10%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 1.23%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 61.60%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Concerns (4)

Indirect Auto Dependency

risk
#36 of 525 • Bottom 2.2% in tier

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

Why This Signature
Asset Growth (YoY): 6.48%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 61.60%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 2.10%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank worsening

Credit Quality Pressure

risk
#259 of 736 • Bottom 10.4% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.31% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank improving

Growth-at-Risk

risk
#195 of 446 • Bottom 13.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 5.01%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.31% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 1077 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | Rank improving

Liquidity Strain

risk
#216 of 258 • Bottom 27.8% in tier

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

Why This Signature
Loan-to-Share Ratio: 91.27%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 5.01%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
258 of 1077 Community CUs have this signature | 484 nationally
↓ Shrinking -28 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 1077 peers in tier

Top Strengths (12 metrics)

5
Net Interest Margin (NIM)
profitability
Value: 5.68%
Peer Avg: 3.58%
#5 of 1077 Top 0.4% in 100M-500M tier
16
Total Members
engagement
Value: 40,706
Peer Avg: 15,628
#16 of 1077 Top 1.4% in 100M-500M tier
51
Total Loans
balance_sheet
Value: $314.28M
Peer Avg: $147.80M
#51 of 1077 Top 4.6% in 100M-500M tier
60
Deposit Growth Rate
growth
Value: 13.11%
Peer Avg: 4.69%
#60 of 1077 Top 5.5% in 100M-500M tier
110
First Mortgage Concentration (%)
balance_sheet
Value: 7.80%
Peer Avg: 30.43%
#110 of 1077 Top 10.1% in 100M-500M tier
118
Total Deposits
balance_sheet
Value: $344.33M
Peer Avg: $200.29M
#118 of 1077 Top 10.9% in 100M-500M tier
123
Fee Income Per Member
profitability
Value: $257.41
Peer Avg: $174.31
#123 of 1077 Top 11.3% in 100M-500M tier
145
Loan-to-Share Ratio
balance_sheet
Value: 91.27%
Peer Avg: 72.70%
#145 of 1077 Top 13.4% in 100M-500M tier
145
Total Assets
balance_sheet
Value: $382.78M
Peer Avg: $231.30M
#145 of 1077 Top 13.4% in 100M-500M tier
161
Efficiency Ratio
profitability
Value: 64.72%
Peer Avg: 77.28%
#161 of 1077 Top 14.9% in 100M-500M tier

Top Weaknesses (5 metrics)

1057
Indirect Auto Concentration (%)
balance_sheet
Value: 61.60%
Peer Avg: 13.34%
#1057 of 1077 Bottom 1.9% in 100M-500M tier
1050
Net Charge-Off Rate
risk
Value: 1.67%
Peer Avg: 0.47%
#1050 of 1077 Bottom 2.6% in 100M-500M tier
950
Total Delinquency Rate (60+ days)
risk
Value: 1.63%
Peer Avg: 0.86%
#950 of 1077 Bottom 11.9% in 100M-500M tier
923
Average Member Relationship (AMR)
engagement
Value: $16,180
Peer Avg: $24,363
#923 of 1077 Bottom 14.4% in 100M-500M tier
824
Net Worth Ratio
risk
Value: 9.75%
Peer Avg: 12.15%
#824 of 1077 Bottom 23.6% in 100M-500M tier