CLEAN ENERGY

Charter #24889 | CO

100M-500M (1077 CUs) Micro
26 100M-500M in CO

CLEAN ENERGY has 11 strengths but faces 10 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 0.2% in tier
  • + Wallet Share Momentum: Top 0.2% in tier
  • + Relationship Depth Leader: Top 17.4% in tier
  • + Net Interest Margin 0.84% above tier average
  • + Strong member growth: 34.2% YoY
  • + Deposit Growth Rate: Top 0.0% in tier
  • + First Mortgage Concentration (%): Top 0.0% in tier
  • + Asset Growth Rate: Top 0.1% in tier
  • + Loan Growth Rate: Top 0.4% in tier
  • + AMR Growth Rate: Top 0.4% in tier
  • + Member Growth Rate: Top 0.9% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 19.7% in tier
  • - Liquidity Overhang: Bottom 20.5% in tier
  • - ROA 1.28% below tier average
  • - Efficiency ratio 31.85% above tier (higher cost structure)
  • - Fee Income Per Member: Bottom 2.1% in tier
  • - Average Member Relationship (AMR): Bottom 3.7% in tier
  • - Share Certificate Concentration (%): Bottom 4.5% in tier
  • - Total Deposits: Bottom 7.0% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 8.7% in tier
  • - Total Assets: Bottom 9.4% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
Members 13,230
+34.2% YoY+11.2% QoQ
 -2.4K 15,628
-3.4% YoY
 38,063
+8.0% YoY
 33,089
+6.1% YoY
 48th in tier
Assets $113.7M
+70.3% YoY+2.7% QoQ
 $-117.6M $231.3M
-0.0% YoY
 $678.0M
+7.3% YoY
 $547.7M
+7.8% YoY
 Bottom 9.3% in tier
Loans $72.3M
+57.3% YoY+23.9% QoQ
 $-75.5M $147.8M
-1.4% YoY
 $529.4M
+8.0% YoY
 $388.7M
+8.6% YoY
 Bottom 17.0% in tier
Deposits $95.5M
+91.0% YoY+2.7% QoQ
 $-104.8M $200.3M
-0.0% YoY
 $571.8M
+9.1% YoY
 $464.6M
+9.3% YoY
 Bottom 6.9% in tier
ROA -0.5%
-66.7% YoY-47.7% QoQ
 -1.3% 0.8%
+15.5% YoY
 0.5%
+8.5% YoY
 0.7%
+273.4% YoY
 Bottom 2.1% in tier
NIM 4.4%
-26.0% YoY+6.8% QoQ
 +0.8% 3.6%
+6.9% YoY
 3.6%
+3.7% YoY
 3.7%
+5.0% YoY
 Top 11.3% in tier
Efficiency Ratio 109.1%
-10.8% YoY-7.4% QoQ
 +31.9% 77.3%
-3.0% YoY
 80.6%
-2.6% YoY
 79.1%
-3.3% YoY
 Top 0.8% in tier
Delinquency Rate 0.4%
-27.7% YoY+29.5% QoQ
 -0.5 0.9%
+7.6% YoY
 0.9%
+6.2% YoY
 1.2%
-0.9% YoY
 26th in tier
Loan To Share 75.7%
-17.6% YoY+20.7% QoQ
 +3.0% 72.7%
-1.5% YoY
 72.9%
-3.4% YoY
 68.0%
-1.7% YoY
 53rd in tier
AMR $12,685
+30.3% YoY-0.3% QoQ
 $-12K $24,363
+2.9% YoY
 $22,866
+4.1% YoY
 $19,418
+1.3% YoY
 Bottom 3.6% in tier
CD Concentration 42.8%
-3.4% YoY+5.6% QoQ
 +18.4% 24.4%
+4.2% YoY
 26.3%
+7.3% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 5.5% -8.5% 14.0%
-5.8% YoY
 12.4%
-8.4% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Organic Growth Leader

growth
#3 of 430 • Top 0.2% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 34.25%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 1077 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | New qualifier

Wallet Share Momentum

growth
#6 of 1006 • Top 0.2% in tier

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

Why This Signature
AMR Growth (YoY): 30.27%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Relationship Depth Leader

growth
#481 of 1006 • Top 17.4% in tier

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

Why This Signature
AMR Growth (YoY): 30.27%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $1.1K
(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 | New qualifier

Concerns (2)

Efficiency Drag

risk
#349 of 521 • Bottom 19.7% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 109.13%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.99% points
(Tier: 0.11% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): 34.25%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | New qualifier

Liquidity Overhang

risk
#318 of 552 • Bottom 20.5% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 13.65%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 75.67%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | New qualifier

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 (9 metrics)

1
Deposit Growth Rate
growth
Value: 91.01%
Peer Avg: 4.69%
#1 of 1077 Top 0.0% in 100M-500M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 30.43%
#1 of 1077 Top 0.0% in 100M-500M tier
2
Asset Growth Rate
growth
Value: 70.30%
Peer Avg: 4.70%
#2 of 1077 Top 0.1% in 100M-500M tier
5
Loan Growth Rate
growth
Value: 57.33%
Peer Avg: 3.45%
#5 of 1077 Top 0.4% in 100M-500M tier
5
AMR Growth Rate
growth
Value: 30.27%
Peer Avg: 3.64%
#5 of 1077 Top 0.4% in 100M-500M tier
11
Member Growth Rate
growth
Value: 34.25%
Peer Avg: 0.72%
#11 of 1077 Top 0.9% in 100M-500M tier
122
Net Interest Margin (NIM)
profitability
Value: 4.43%
Peer Avg: 3.58%
#122 of 1077 Top 11.2% in 100M-500M tier
258
Net Charge-Off Rate
risk
Value: 0.16%
Peer Avg: 0.47%
#258 of 1077 Top 23.9% in 100M-500M tier
260
Net Worth Ratio
risk
Value: 13.65%
Peer Avg: 12.15%
#260 of 1077 Top 24.0% in 100M-500M tier

Top Weaknesses (9 metrics)

1069
Efficiency Ratio
profitability
Value: 109.13%
Peer Avg: 77.28%
#1069 of 1077 Bottom 0.8% in 100M-500M tier
1055
Fee Income Per Member
profitability
Value: $38.83
Peer Avg: $174.31
#1055 of 1077 Bottom 2.1% in 100M-500M tier
1054
Return on Assets (ROA)
profitability
Value: -0.49%
Peer Avg: 0.79%
#1054 of 1077 Bottom 2.2% in 100M-500M tier
1038
Average Member Relationship (AMR)
engagement
Value: $12,685
Peer Avg: $24,363
#1038 of 1077 Bottom 3.7% in 100M-500M tier
1030
Share Certificate Concentration (%)
balance_sheet
Value: 42.83%
Peer Avg: 23.61%
#1030 of 1077 Bottom 4.5% in 100M-500M tier
1003
Total Deposits
balance_sheet
Value: $95.53M
Peer Avg: $200.29M
#1003 of 1077 Bottom 7.0% in 100M-500M tier
984
Loan-to-Member Ratio (LMR)
engagement
Value: $5,464
Peer Avg: $10,245
#984 of 1077 Bottom 8.7% in 100M-500M tier
977
Total Assets
balance_sheet
Value: $113.73M
Peer Avg: $231.30M
#977 of 1077 Bottom 9.4% in 100M-500M tier
894
Total Loans
balance_sheet
Value: $72.29M
Peer Avg: $147.80M
#894 of 1077 Bottom 17.1% in 100M-500M tier