ENVISTA

Charter #24945 | KS

500M-750M (169 CUs) Community (281 CUs)
4 500M-750M in KS

ENVISTA has 5 strengths but faces 3 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 16.7% in tier
  • + Relationship Depth Leader: Top 20.7% in tier
  • + Organic Growth Engine: Top 23.3% in tier
  • + ROA 0.13% above tier average
  • + Net Interest Margin 0.22% above tier average

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 4.0% in tier
  • - Liquidity Strain: Bottom 19.4% in tier
  • - Efficiency ratio 0.56% above tier (higher cost structure)

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Members 48,854
+2.9% YoY+0.5% QoQ
 +9.1K 39,752
-2.7% YoY
 17,915
-2.9% YoY
 33,089
+6.1% YoY
 Top 17.2% in tier
Assets $656.1M
+8.3% YoY+1.4% QoQ
 +$33.7M $622.4M
+0.3% YoY
 $244.1M
-6.9% YoY
 $547.7M
+7.8% YoY
 64th in tier
Loans $513.4M
+6.8% YoY+2.5% QoQ
 +$77.5M $435.9M
-0.4% YoY
 $175.9M
-4.8% YoY
 $388.7M
+8.6% YoY
 Top 23.1% in tier
Deposits $551.5M
+9.7% YoY+1.0% QoQ
 +$13.5M $538.0M
+1.3% YoY
 $209.0M
-2.4% YoY
 $464.6M
+9.3% YoY
 57th in tier
ROA 0.8%
-5.8% YoY+10.7% QoQ
 +0.1% 0.7%
+33.9% YoY
 0.7%
+53.0% YoY
 0.7%
+273.4% YoY
 62nd in tier
NIM 3.7%
+4.8% YoY+2.4% QoQ
 +0.2% 3.4%
+8.6% YoY
 4.0%
+8.4% YoY
 3.7%
+5.0% YoY
 67th in tier
Efficiency Ratio 78.7%
-0.2% YoY-1.8% QoQ
 +0.6% 78.1%
-3.4% YoY
 77.0%
-6.2% YoY
 79.1%
-3.3% YoY
 52nd in tier
Delinquency Rate 0.4%
-22.8% YoY-6.6% QoQ
 -0.4 0.8%
-4.9% YoY
 1.2%
-23.8% YoY
 1.2%
-0.9% YoY
 Bottom 23.7% in tier
Loan To Share 93.1%
-2.6% YoY+1.5% QoQ
 +12.1% 81.0%
-1.8% YoY
 71.9%
-2.0% YoY
 68.0%
-1.7% YoY
 Top 19.5% in tier
AMR $21,799
+5.2% YoY+1.2% QoQ
 $-5K $26,482
+2.6% YoY
 $16,347
+1.3% YoY
 $19,418
+1.3% YoY
 Bottom 24.9% in tier
CD Concentration 26.9%
+1.5% YoY-1.3% QoQ
 +2.5% 24.4%
+4.2% YoY
 24.2%
-2.2% YoY
 19.6%
+6.2% YoY
 59th in tier
Indirect Auto % 38.7%
-1.8% YoY-0.8% QoQ
 +24.8% 14.0%
-5.8% YoY
 12.4%
-5.6% YoY
 7.9%
-2.9% YoY
 Top 9.5% in tier

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth
#460 of 1006 • Top 16.7% in tier

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

Why This Signature
AMR Growth (YoY): 5.20%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#571 of 1006 • Top 20.7% in tier

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

Why This Signature
AMR Growth (YoY): 5.20%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.4K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Organic Growth Engine

growth
#428 of 603 • Top 23.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.92%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.79%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 38.72%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Concerns (2)

Indirect Auto Dependency

risk
#66 of 525 • Bottom 4.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 8.34%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 38.72%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 2.92%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 281 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank improving

Liquidity Strain

risk
#151 of 258 • Bottom 19.4% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 93.09%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 6.80%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
258 of 281 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | Rank worsening

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 169 peers in tier

Top Strengths (9 metrics)

21
Fee Income Per Member
profitability
Value: $292.42
Peer Avg: $199.27
#21 of 169 Top 11.8% in 500M-750M tier
28
Deposit Growth Rate
growth
Value: 9.69%
Peer Avg: 5.25%
#28 of 169 Top 16.0% in 500M-750M tier
29
Total Members
engagement
Value: 48,854
Peer Avg: 39,752
#29 of 169 Top 16.6% in 500M-750M tier
30
Asset Growth Rate
growth
Value: 8.34%
Peer Avg: 4.33%
#30 of 169 Top 17.2% in 500M-750M tier
31
First Mortgage Concentration (%)
balance_sheet
Value: 18.52%
Peer Avg: 33.53%
#31 of 169 Top 17.8% in 500M-750M tier
33
Loan-to-Share Ratio
balance_sheet
Value: 93.09%
Peer Avg: 81.02%
#33 of 169 Top 18.9% in 500M-750M tier
39
Total Loans
balance_sheet
Value: $513.43M
Peer Avg: $435.95M
#39 of 169 Top 22.5% in 500M-750M tier
40
Member Growth Rate
growth
Value: 2.92%
Peer Avg: 1.75%
#40 of 169 Top 23.1% in 500M-750M tier
41
Total Delinquency Rate (60+ days)
risk
Value: 0.39%
Peer Avg: 0.80%
#41 of 169 Top 23.7% in 500M-750M tier

Top Weaknesses (2 metrics)

152
Indirect Auto Concentration (%)
balance_sheet
Value: 38.72%
Peer Avg: 16.19%
#152 of 169 Bottom 10.7% in 500M-750M tier
129
Members Per Employee (MPE)
engagement
Value: 264.076
Peer Avg: 338.010
#129 of 169 Bottom 24.3% in 500M-750M tier