BEST REWARD

Charter #24920 | OH

100M-500M (1077 CUs) Micro
58 100M-500M in OH

BEST REWARD has 7 strengths but faces 17 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 6.7% in tier
  • + Relationship Depth Leader: Top 18.8% in tier
  • + Emerging Performer: Top 32.1% in tier
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + First Mortgage Concentration (%): Top 7.7% in tier
  • + Share Certificate Concentration (%): Top 7.9% in tier
  • + Members Per Employee (MPE): Top 7.9% in tier

Key Concerns

Areas that may need attention

  • - Membership Headwinds: Bottom 1.8% in tier
  • - Institutional Decline: Bottom 2.4% in tier
  • - Liquidity Overhang: Bottom 2.7% in tier
  • - Credit Quality Pressure: Bottom 3.9% in tier
  • - Stagnation Risk: Bottom 17.6% in tier
  • - Efficiency Drag: Bottom 22.5% in tier
  • - ROA 0.39% below tier average
  • - Efficiency ratio 6.41% above tier (higher cost structure)
  • - Delinquency rate 0.02% above tier average
  • - Member decline: -11.1% YoY
  • - Loan-to-Member Ratio (LMR): Bottom 0.4% in tier
  • - Loan-to-Share Ratio: Bottom 0.9% in tier
  • - Total Loans: Bottom 1.0% in tier
  • - Loan Growth Rate: Bottom 2.6% in tier
  • - Member Growth Rate: Bottom 2.9% in tier
  • - Fee Income Per Member: Bottom 4.5% in tier
  • - Average Member Relationship (AMR): Bottom 6.3% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Members 10,426
-11.1% YoY-10.5% QoQ
 -5.2K 15,628
-3.4% YoY
 16,553
+5.8% YoY
 33,089
+6.1% YoY
 32nd in tier
Assets $159.3M
-0.1% YoY-0.3% QoQ
 $-72.0M $231.3M
-0.0% YoY
 $245.2M
+8.8% YoY
 $547.7M
+7.8% YoY
 34th in tier
Loans $29.4M
-11.1% YoY-2.5% QoQ
 $-118.4M $147.8M
-1.4% YoY
 $170.6M
+8.7% YoY
 $388.7M
+8.6% YoY
 Bottom 0.9% in tier
Deposits $115.7M
-1.5% YoY-1.4% QoQ
 $-84.6M $200.3M
-0.0% YoY
 $209.1M
+9.7% YoY
 $464.6M
+9.3% YoY
 Bottom 22.1% in tier
ROA 0.4%
-20.3% YoY-21.4% QoQ
 -0.4% 0.8%
+15.5% YoY
 0.5%
-7.3% YoY
 0.7%
+273.4% YoY
 Bottom 24.9% in tier
NIM 2.8%
+5.8% YoY+0.4% QoQ
 -0.8% 3.6%
+6.9% YoY
 3.7%
+3.3% YoY
 3.7%
+5.0% YoY
 Bottom 12.4% in tier
Efficiency Ratio 83.7%
-1.2% YoY+1.7% QoQ
 +6.4% 77.3%
-3.0% YoY
 83.9%
+3.6% YoY
 79.1%
-3.3% YoY
 73rd in tier
Delinquency Rate 0.9%
+250.8% YoY+193.1% QoQ
 +0.0 0.9%
+7.6% YoY
 1.5%
+29.9% YoY
 1.2%
-0.9% YoY
 64th in tier
Loan To Share 25.4%
-9.8% YoY-1.1% QoQ
 -47.3% 72.7%
-1.5% YoY
 63.8%
-2.4% YoY
 68.0%
-1.7% YoY
 Bottom 0.8% in tier
AMR $13,913
+8.4% YoY+10.0% QoQ
 $-10K $24,363
+2.9% YoY
 $17,099
+5.9% YoY
 $19,418
+1.3% YoY
 Bottom 6.2% in tier
CD Concentration 8.1%
+15.0% YoY+3.1% QoQ
 -16.3% 24.4%
+4.2% YoY
 19.2%
+8.0% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 11.2%
-0.8% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth
#186 of 1006 • Top 6.7% in tier

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

Why This Signature
AMR Growth (YoY): 8.40%
(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
#519 of 1006 • Top 18.8% in tier

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

Why This Signature
AMR Growth (YoY): 8.40%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $1.9K
(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

Emerging Performer

growth
#603 of 627 • Top 32.1% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.39%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): -11.06%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank worsening

Concerns (6)

Membership Headwinds

decline
#31 of 550 • Bottom 1.8% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -11.06%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Institutional Decline

decline
#20 of 256 • Bottom 2.4% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $159.30M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
Member Growth (YoY): -11.06%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -11.09%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
256 of 1077 Community CUs have this signature | 293 nationally
↓ Shrinking -43 CUs YoY | New qualifier

Liquidity Overhang

risk
#42 of 552 • Bottom 2.7% 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: 15.15%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 25.39%
(Tier: 74.56%, National: 67.96%)
worse than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank improving

Credit Quality Pressure

risk
#97 of 736 • Bottom 3.9% in tier

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

Why This Signature
Delinquency Change (YoY): 0.63% 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 | New qualifier

Stagnation Risk

risk
#290 of 550 • Bottom 17.6% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.39%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -11.06%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $13.9K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 8.12%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Efficiency Drag

risk
#397 of 521 • Bottom 22.5% in tier

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

Why This Signature
Efficiency Ratio: 83.68%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.10% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): -11.06%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank improving

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 (6 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
84
First Mortgage Concentration (%)
balance_sheet
Value: 6.32%
Peer Avg: 30.43%
#84 of 1077 Top 7.7% in 100M-500M tier
86
Share Certificate Concentration (%)
balance_sheet
Value: 8.12%
Peer Avg: 23.61%
#86 of 1077 Top 7.9% in 100M-500M tier
86
Members Per Employee (MPE)
engagement
Value: 473.909
Peer Avg: 332.881
#86 of 1077 Top 7.9% in 100M-500M tier
144
AMR Growth Rate
growth
Value: 8.40%
Peer Avg: 3.64%
#144 of 1077 Top 13.3% in 100M-500M tier
159
Net Worth Ratio
risk
Value: 15.15%
Peer Avg: 12.15%
#159 of 1077 Top 14.7% in 100M-500M tier

Top Weaknesses (12 metrics)

1074
Loan-to-Member Ratio (LMR)
engagement
Value: $2,817
Peer Avg: $10,245
#1074 of 1077 Bottom 0.4% in 100M-500M tier
1068
Loan-to-Share Ratio
balance_sheet
Value: 25.39%
Peer Avg: 72.70%
#1068 of 1077 Bottom 0.9% in 100M-500M tier
1067
Total Loans
balance_sheet
Value: $29.37M
Peer Avg: $147.80M
#1067 of 1077 Bottom 1.0% in 100M-500M tier
1050
Loan Growth Rate
growth
Value: -11.09%
Peer Avg: 3.45%
#1050 of 1077 Bottom 2.6% in 100M-500M tier
1047
Member Growth Rate
growth
Value: -11.06%
Peer Avg: 0.72%
#1047 of 1077 Bottom 2.9% in 100M-500M tier
1029
Fee Income Per Member
profitability
Value: $65.83
Peer Avg: $174.31
#1029 of 1077 Bottom 4.5% in 100M-500M tier
1010
Average Member Relationship (AMR)
engagement
Value: $13,913
Peer Avg: $24,363
#1010 of 1077 Bottom 6.3% in 100M-500M tier
961
Deposit Growth Rate
growth
Value: -1.48%
Peer Avg: 4.69%
#961 of 1077 Bottom 10.9% in 100M-500M tier
943
Net Interest Margin (NIM)
profitability
Value: 2.81%
Peer Avg: 3.58%
#943 of 1077 Bottom 12.5% in 100M-500M tier
883
Asset Growth Rate
growth
Value: -0.08%
Peer Avg: 4.70%
#883 of 1077 Bottom 18.1% in 100M-500M tier