MUTUAL

Charter #24948 | MS

100M-500M (1077 CUs) Micro
12 100M-500M in MS

MUTUAL has 13 strengths but faces 4 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 1.1% in tier
  • + ROA 0.46% above tier average
  • + Net Interest Margin 0.39% above tier average
  • + Strong member growth: 75.9% YoY
  • + Member Growth Rate: Top 0.1% in tier
  • + Loan Growth Rate: Top 0.1% in tier
  • + Asset Growth Rate: Top 0.3% in tier
  • + Deposit Growth Rate: Top 0.3% in tier
  • + Total Deposits: Top 0.5% in tier
  • + Total Assets: Top 0.8% in tier
  • + Total Members: Top 0.9% in tier
  • + Fee Income Per Member: Top 6.1% in tier
  • + Total Loans: Top 8.6% in tier

Key Concerns

Areas that may need attention

  • - Shrinking Wallet Share: Bottom 3.7% in tier
  • - Liquidity Overhang: Bottom 16.8% in tier
  • - AMR Growth Rate: Bottom 2.8% in tier
  • - Net Charge-Off Rate: Bottom 8.1% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
Members 43,075
+75.9% YoY+0.5% QoQ
 +27.4K 15,628
-3.4% YoY
 14,577
+18.5% YoY
 33,089
+6.1% YoY
 Top 1.0% in tier
Assets $491.4M
+58.4% YoY+0.9% QoQ
 +$260.1M $231.3M
-0.0% YoY
 $171.7M
+26.4% YoY
 $547.7M
+7.8% YoY
 Top 0.9% in tier
Loans $281.5M
+77.8% YoY+6.3% QoQ
 +$133.7M $147.8M
-1.4% YoY
 $115.7M
+25.1% YoY
 $388.7M
+8.6% YoY
 Top 8.7% in tier
Deposits $430.2M
+55.2% YoY+0.4% QoQ
 +$229.9M $200.3M
-0.0% YoY
 $135.7M
+26.5% YoY
 $464.6M
+9.3% YoY
 Top 0.6% in tier
ROA 1.3%
+17.3% YoY+14.0% QoQ
 +0.5% 0.8%
+15.5% YoY
 0.9%
+335.0% YoY
 0.7%
+273.4% YoY
 Top 19.8% in tier
NIM 4.0%
+11.3% YoY+2.3% QoQ
 +0.4% 3.6%
+6.9% YoY
 4.4%
+3.2% YoY
 3.7%
+5.0% YoY
 72nd in tier
Efficiency Ratio 71.6%
+2.9% YoY-1.4% QoQ
 -5.7% 77.3%
-3.0% YoY
 78.7%
-9.5% YoY
 79.1%
-3.3% YoY
 30th in tier
Delinquency Rate 0.7%
-49.8% YoY-25.7% QoQ
 -0.1 0.9%
+7.6% YoY
 1.7%
-11.9% YoY
 1.2%
-0.9% YoY
 55th in tier
Loan To Share 65.4%
+14.5% YoY+5.9% QoQ
 -7.3% 72.7%
-1.5% YoY
 68.6%
-0.4% YoY
 68.0%
-1.7% YoY
 32nd in tier
AMR $16,521
-7.1% YoY+2.1% QoQ
 $-8K $24,363
+2.9% YoY
 $12,163
+4.6% YoY
 $19,418
+1.3% YoY
 Bottom 16.2% in tier
CD Concentration 22.8%
+11.4% YoY+3.3% QoQ
 -1.7% 24.4%
+4.2% YoY
 19.3%
+9.2% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 5.4%
+165.8% QoQ
 -8.6% 14.0%
-5.8% YoY
 2.5%
+12.7% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (1)

Organic Growth Engine

growth
#21 of 603 • Top 1.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 75.92%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 1.25%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 5.38%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Concerns (2)

Shrinking Wallet Share

decline
#38 of 244 • Bottom 3.7% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -7.09%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 1077 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY | Rank improving

Liquidity Overhang

risk
#260 of 552 • Bottom 16.8% 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: 13.32%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 65.44%
(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 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 1077 peers in tier

Top Strengths (10 metrics)

2
Member Growth Rate
growth
Value: 75.92%
Peer Avg: 0.72%
#2 of 1077 Top 0.1% in 100M-500M tier
2
Loan Growth Rate
growth
Value: 77.77%
Peer Avg: 3.45%
#2 of 1077 Top 0.1% in 100M-500M tier
4
Asset Growth Rate
growth
Value: 58.38%
Peer Avg: 4.70%
#4 of 1077 Top 0.3% in 100M-500M tier
4
Deposit Growth Rate
growth
Value: 55.25%
Peer Avg: 4.69%
#4 of 1077 Top 0.3% in 100M-500M tier
6
Total Deposits
balance_sheet
Value: $430.15M
Peer Avg: $200.29M
#6 of 1077 Top 0.5% in 100M-500M tier
10
Total Assets
balance_sheet
Value: $491.36M
Peer Avg: $231.30M
#10 of 1077 Top 0.8% in 100M-500M tier
11
Total Members
engagement
Value: 43,075
Peer Avg: 15,628
#11 of 1077 Top 0.9% in 100M-500M tier
67
Fee Income Per Member
profitability
Value: $293.02
Peer Avg: $174.31
#67 of 1077 Top 6.1% in 100M-500M tier
94
Total Loans
balance_sheet
Value: $281.49M
Peer Avg: $147.80M
#94 of 1077 Top 8.6% in 100M-500M tier
213
Return on Assets (ROA)
profitability
Value: 1.25%
Peer Avg: 0.79%
#213 of 1077 Top 19.7% in 100M-500M tier

Top Weaknesses (4 metrics)

1048
AMR Growth Rate
growth
Value: -7.09%
Peer Avg: 3.64%
#1048 of 1077 Bottom 2.8% in 100M-500M tier
991
Net Charge-Off Rate
risk
Value: 1.10%
Peer Avg: 0.47%
#991 of 1077 Bottom 8.1% in 100M-500M tier
903
Average Member Relationship (AMR)
engagement
Value: $16,521
Peer Avg: $24,363
#903 of 1077 Bottom 16.2% in 100M-500M tier
879
Loan-to-Member Ratio (LMR)
engagement
Value: $6,535
Peer Avg: $10,245
#879 of 1077 Bottom 18.5% in 100M-500M tier