STEPPING STONES COMMUNITY

Charter #24845 | DE

<100M (2596 CUs) Micro
9 <100M in DE

STEPPING STONES COMMUNITY has 10 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 38.71% above tier average
  • + Strong member growth: 8.5% YoY
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Efficiency Ratio: Top 0.3% in tier
  • + Fee Income Per Member: Top 0.3% in tier
  • + Net Worth Ratio: Top 1.3% in tier
  • + Members Per Employee (MPE): Top 1.7% in tier
  • + Asset Growth Rate: Top 2.0% in tier
  • + Member Growth Rate: Top 3.9% in tier
  • + Loan Growth Rate: Top 5.0% in tier

Key Concerns

Areas that may need attention

  • - Delinquency rate 18.73% above tier average
  • - Net Charge-Off Rate: Bottom 0.5% in tier
  • - Total Delinquency Rate (60+ days): Bottom 1.2% in tier
  • - Average Member Relationship (AMR): Bottom 2.3% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 2.5% in tier
  • - AMR Growth Rate: Bottom 3.2% in tier
  • - Deposit Growth Rate: Bottom 4.2% in tier
  • - Loan-to-Share Ratio: Bottom 5.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (DE) National Avg Tier Percentile
Members 2,696
+8.5% YoY+1.2% QoQ
 +70 2,625
-2.2% YoY
 17,253
+10.0% YoY
 33,089
+6.1% YoY
 63rd in tier
Assets $7.0M
+18.8% YoY+20.0% QoQ
 $-22.9M $29.9M
+1.1% YoY
 $195.2M
+8.0% YoY
 $547.7M
+7.8% YoY
 26th in tier
Loans $854,913
+16.4% YoY-3.5% QoQ
 $-14.9M $15.8M
-2.4% YoY
 $121.5M
+9.1% YoY
 $388.7M
+8.6% YoY
 Bottom 10.4% in tier
Deposits $3.8M
-13.3% YoY-3.4% QoQ
 $-21.7M $25.5M
+0.4% YoY
 $172.1M
+8.7% YoY
 $464.6M
+9.3% YoY
 Bottom 18.5% in tier
ROA 39.4%
+80.4% YoY+103.5% QoQ
 +38.7% 0.7%
-731.4% YoY
 2.8%
+77.8% YoY
 0.7%
+273.4% YoY
 Top 0.1% in tier
NIM 3.5%
-19.6% YoY-10.9% QoQ
 -0.5% 3.9%
+3.8% YoY
 3.3%
+6.1% YoY
 3.7%
+5.0% YoY
 32nd in tier
Efficiency Ratio 13.9%
-64.9% YoY-47.0% QoQ
 -67.5% 81.4%
-2.4% YoY
 77.7%
-4.8% YoY
 79.1%
-3.3% YoY
 Bottom 0.3% in tier
Delinquency Rate 20.2%
+20.0% YoY-14.2% QoQ
 +18.7 1.5%
-2.0% YoY
 2.7%
+22.3% YoY
 1.2%
-0.9% YoY
 Top 1.2% in tier
Loan To Share 22.7%
+34.2% YoY-0.1% QoQ
 -38.5% 61.2%
-3.0% YoY
 48.0%
+0.7% YoY
 68.0%
-1.7% YoY
 Bottom 5.7% in tier
AMR $1,714
-16.1% YoY-4.5% QoQ
 $-13K $14,627
-2.7% YoY
 $13,877
+1.3% YoY
 $19,418
+1.3% YoY
 Bottom 2.3% in tier
CD Concentration 0.0%
+15.4% YoY+3.5% QoQ
 -24.4% 24.4%
+4.2% YoY
 12.6%
+3.7% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 7.8%
-5.9% 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)

Comparing against 2596 peers in tier

Top Strengths (10 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 2.84%
#1 of 2596 Top 0.0% in <100M tier
3
Return on Assets (ROA)
profitability
Value: 39.40%
Peer Avg: 0.68%
#3 of 2596 Top 0.1% in <100M tier
8
Efficiency Ratio
profitability
Value: 13.91%
Peer Avg: 81.39%
#8 of 2596 Top 0.3% in <100M tier
10
Fee Income Per Member
profitability
Value: $1,065
Peer Avg: $182.96
#10 of 2596 Top 0.3% in <100M tier
34
Net Worth Ratio
risk
Value: 45.92%
Peer Avg: 16.43%
#34 of 2596 Top 1.3% in <100M tier
46
Members Per Employee (MPE)
engagement
Value: 898.667
Peer Avg: 365.701
#46 of 2596 Top 1.7% in <100M tier
54
Asset Growth Rate
growth
Value: 18.77%
Peer Avg: 1.82%
#54 of 2596 Top 2.0% in <100M tier
103
Member Growth Rate
growth
Value: 8.53%
Peer Avg: 14.92%
#103 of 2596 Top 3.9% in <100M tier
132
Loan Growth Rate
growth
Value: 16.35%
Peer Avg: 59.01%
#132 of 2596 Top 5.0% in <100M tier
588
Share Certificate Concentration (%)
balance_sheet
Value: 0.05%
Peer Avg: 15.37%
#588 of 2596 Top 22.6% in <100M tier

Top Weaknesses (10 metrics)

2583
Net Charge-Off Rate
risk
Value: 19.07%
Peer Avg: 0.57%
#2583 of 2596 Bottom 0.5% in <100M tier
2567
Total Delinquency Rate (60+ days)
risk
Value: 20.24%
Peer Avg: 1.51%
#2567 of 2596 Bottom 1.2% in <100M tier
2537
Average Member Relationship (AMR)
engagement
Value: $1,714
Peer Avg: $14,627
#2537 of 2596 Bottom 2.3% in <100M tier
2533
Loan-to-Member Ratio (LMR)
engagement
Value: $317.10
Peer Avg: $5,488
#2533 of 2596 Bottom 2.5% in <100M tier
2515
AMR Growth Rate
growth
Value: -16.14%
Peer Avg: 4.67%
#2515 of 2596 Bottom 3.2% in <100M tier
2487
Deposit Growth Rate
growth
Value: -13.28%
Peer Avg: 16.80%
#2487 of 2596 Bottom 4.2% in <100M tier
2445
Loan-to-Share Ratio
balance_sheet
Value: 22.71%
Peer Avg: 61.23%
#2445 of 2596 Bottom 5.9% in <100M tier
2335
First Mortgage Concentration (%)
balance_sheet
Value: 44.73%
Peer Avg: 14.49%
#2335 of 2596 Bottom 10.1% in <100M tier
2325
Total Loans
balance_sheet
Value: $854,913
Peer Avg: $15.77M
#2325 of 2596 Bottom 10.5% in <100M tier
2117
Total Deposits
balance_sheet
Value: $3.77M
Peer Avg: $25.45M
#2117 of 2596 Bottom 18.5% in <100M tier