URBAN UPBOUND
Charter #24823 | NY
<100M
(2596 CUs)
Micro
($0-$500M)
188 <100M in NY
URBAN UPBOUND has 7 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Deposit Growth Rate: Top 3.0% in tier
- + Efficiency Ratio: Top 5.5% in tier
- + Member Growth Rate: Top 7.2% in tier
- + Asset Growth Rate: Top 8.0% in tier
- + AMR Growth Rate: Top 8.2% in tier
Key Concerns
Areas that may need attention
- - ROA 2.36% below tier average
- - Delinquency rate 4.85% above tier average
- - Net Charge-Off Rate: Bottom 0.3% in tier
- - Loan-to-Share Ratio: Bottom 1.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 1.2% in tier
- - Net Worth Ratio: Bottom 2.0% in tier
- - Average Member Relationship (AMR): Bottom 2.3% in tier
- - Total Loans: Bottom 3.2% in tier
- - Total Delinquency Rate (60+ days): Bottom 4.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,513
+4.7% YoY+1.3% QoQ
|
-1.1K |
2,625
-2.2% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
40th in tier |
| Assets |
$2.7M
+10.3% YoY-4.6% QoQ
|
$-27.2M |
$29.9M
+1.1% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
Bottom 12.1% in tier |
| Loans |
$125,969
+4.0% YoY-20.9% QoQ
|
$-15.6M |
$15.8M
-2.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 3.1% in tier |
| Deposits |
$2.4M
+16.8% YoY-4.0% QoQ
|
$-23.0M |
$25.5M
+0.4% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
Bottom 13.4% in tier |
| ROA |
-1.7%
-163.4% YoY-14.2% QoQ
|
-2.4% |
0.7%
-731.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 3.7% in tier |
| NIM |
2.7%
-22.6% YoY+17.7% QoQ
|
-1.3% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
Bottom 10.3% in tier |
| Efficiency Ratio |
48.1%
-3.5% YoY-53.9% QoQ
|
-33.3% |
81.4%
-2.4% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 5.5% in tier |
| Delinquency Rate |
6.4%
-68.5% YoY+132.7% QoQ
|
+4.8 |
1.5%
-2.0% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
Top 4.0% in tier |
| Loan To Share |
5.2%
-10.9% YoY-17.6% QoQ
|
-56.0% |
61.2%
-3.0% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 1.0% in tier |
| AMR |
$1,687
+10.8% YoY-6.2% QoQ
|
$-13K |
$14,627
-2.7% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
Bottom 2.2% in tier |
| CD Concentration |
5.4%
-17.5% YoY+1.8% QoQ
|
-19.0% |
24.4%
+4.2% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
2.6%
-3.7% 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 (8 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
79
Deposit Growth Rate
growth
Value:
16.75%
Peer Avg: 16.80%
#79 of 2596
Top 3.0% in <100M tier
144
Efficiency Ratio
profitability
Value:
48.07%
Peer Avg: 81.39%
#144 of 2596
Top 5.5% in <100M tier
187
Member Growth Rate
growth
Value:
4.71%
Peer Avg: 14.92%
#187 of 2596
Top 7.2% in <100M tier
208
Asset Growth Rate
growth
Value:
10.31%
Peer Avg: 1.82%
#208 of 2596
Top 8.0% in <100M tier
215
AMR Growth Rate
growth
Value:
10.84%
Peer Avg: 4.67%
#215 of 2596
Top 8.2% in <100M tier
609
Loan Growth Rate
growth
Value:
4.04%
Peer Avg: 59.01%
#609 of 2596
Top 23.4% in <100M tier
Top Weaknesses (12 metrics)
2588
Net Charge-Off Rate
risk
Value:
75.96%
Peer Avg: 0.57%
#2588 of 2596
Bottom 0.3% in <100M tier
2567
Loan-to-Share Ratio
balance_sheet
Value:
5.19%
Peer Avg: 61.23%
#2567 of 2596
Bottom 1.2% in <100M tier
2566
Loan-to-Member Ratio (LMR)
engagement
Value:
$83.26
Peer Avg: $5,488
#2566 of 2596
Bottom 1.2% in <100M tier
2546
Net Worth Ratio
risk
Value:
7.14%
Peer Avg: 16.43%
#2546 of 2596
Bottom 2.0% in <100M tier
2538
Average Member Relationship (AMR)
engagement
Value:
$1,687
Peer Avg: $14,627
#2538 of 2596
Bottom 2.3% in <100M tier
2515
Total Loans
balance_sheet
Value:
$125,969
Peer Avg: $15.77M
#2515 of 2596
Bottom 3.2% in <100M tier
2499
Return on Assets (ROA)
profitability
Value:
-1.67%
Peer Avg: 0.68%
#2499 of 2596
Bottom 3.8% in <100M tier
2492
Total Delinquency Rate (60+ days)
risk
Value:
6.35%
Peer Avg: 1.51%
#2492 of 2596
Bottom 4.0% in <100M tier
2329
Net Interest Margin (NIM)
profitability
Value:
2.67%
Peer Avg: 3.93%
#2329 of 2596
Bottom 10.3% in <100M tier
2281
Total Assets
balance_sheet
Value:
$2.69M
Peer Avg: $29.86M
#2281 of 2596
Bottom 12.2% in <100M tier