REDEEMER
Charter #24867 | TX
<100M
(2596 CUs)
Micro
($0-$500M)
245 <100M in TX
REDEEMER has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.55% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 4.5% in tier
Key Concerns
Areas that may need attention
- - ROA 3.22% below tier average
- - Efficiency ratio 25.45% above tier (higher cost structure)
- - Delinquency rate 4.37% above tier average
- - Member decline: -4.1% YoY
- - Net Charge-Off Rate: Bottom 1.8% in tier
- - Total Delinquency Rate (60+ days): Bottom 4.9% in tier
- - Average Member Relationship (AMR): Bottom 8.6% in tier
- - Asset Growth Rate: Bottom 9.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,022
-4.1% YoY-3.6% QoQ
|
-1.6K |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
29th in tier |
| Assets |
$4.7M
-6.8% YoY-6.1% QoQ
|
$-25.2M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
Bottom 18.2% in tier |
| Loans |
$1.8M
+3.0% YoY+9.5% QoQ
|
$-14.0M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 16.0% in tier |
| Deposits |
$3.1M
-7.4% YoY-9.0% QoQ
|
$-22.3M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
Bottom 16.4% in tier |
| ROA |
-2.5%
-669.5% YoY-38.5% QoQ
|
-3.2% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 2.5% in tier |
| NIM |
5.5%
-22.3% YoY+4.5% QoQ
|
+1.6% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
Top 7.4% in tier |
| Efficiency Ratio |
106.8%
+37.3% YoY+2.1% QoQ
|
+25.4% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
Top 7.3% in tier |
| Delinquency Rate |
5.9%
-36.8% YoY+47.3% QoQ
|
+4.4 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
Top 4.9% in tier |
| Loan To Share |
55.7%
+11.2% YoY+20.3% QoQ
|
-5.5% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
42nd in tier |
| AMR |
$4,784
+0.2% YoY+0.5% QoQ
|
$-10K |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 8.6% in tier |
| CD Concentration |
10.0%
+18.2% YoY+31.3% QoQ
|
-14.4% |
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 (4 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
118
Net Worth Ratio
risk
Value:
32.53%
Peer Avg: 16.43%
#118 of 2596
Top 4.5% in <100M tier
191
Net Interest Margin (NIM)
profitability
Value:
5.49%
Peer Avg: 3.93%
#191 of 2596
Top 7.3% in <100M tier
Top Weaknesses (12 metrics)
2549
Net Charge-Off Rate
risk
Value:
4.40%
Peer Avg: 0.57%
#2549 of 2596
Bottom 1.8% in <100M tier
2530
Return on Assets (ROA)
profitability
Value:
-2.54%
Peer Avg: 0.68%
#2530 of 2596
Bottom 2.6% in <100M tier
2471
Total Delinquency Rate (60+ days)
risk
Value:
5.88%
Peer Avg: 1.51%
#2471 of 2596
Bottom 4.9% in <100M tier
2407
Efficiency Ratio
profitability
Value:
106.84%
Peer Avg: 81.39%
#2407 of 2596
Bottom 7.3% in <100M tier
2374
Average Member Relationship (AMR)
engagement
Value:
$4,784
Peer Avg: $14,627
#2374 of 2596
Bottom 8.6% in <100M tier
2341
Asset Growth Rate
growth
Value:
-6.84%
Peer Avg: 1.82%
#2341 of 2596
Bottom 9.9% in <100M tier
2331
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,712
Peer Avg: $5,488
#2331 of 2596
Bottom 10.2% in <100M tier
2305
Deposit Growth Rate
growth
Value:
-7.38%
Peer Avg: 16.80%
#2305 of 2596
Bottom 11.2% in <100M tier
2181
Total Loans
balance_sheet
Value:
$1.75M
Peer Avg: $15.77M
#2181 of 2596
Bottom 16.0% in <100M tier
2170
Total Deposits
balance_sheet
Value:
$3.14M
Peer Avg: $25.45M
#2170 of 2596
Bottom 16.4% in <100M tier