FAIR BREAK
Charter #24961 | TN
<100M
(2596 CUs)
Micro
($0-$500M)
88 <100M in TN
FAIR BREAK faces 21 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Efficiency Ratio: Bottom 0.0% in tier
- - Loan Growth Rate: Bottom 0.0% in tier
- - Deposit Growth Rate: Bottom 0.0% in tier
- - AMR Growth Rate: Bottom 0.0% in tier
- - Total Delinquency Rate (60+ days): Bottom 0.0% in tier
- - Net Charge-Off Rate: Bottom 0.0% in tier
- - Loan-to-Share Ratio: Bottom 0.0% in tier
- - Indirect Auto Concentration (%): Bottom 0.0% in tier
- - First Mortgage Concentration (%): Bottom 0.0% in tier
- - Share Certificate Concentration (%): Bottom 0.0% in tier
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Total Assets: Bottom 0.0% in tier
- - Net Worth Ratio: Bottom 0.2% in tier
- - Average Member Relationship (AMR): Bottom 0.2% in tier
- - Total Members: Bottom 0.2% in tier
- - Total Deposits: Bottom 0.2% in tier
- - Net Interest Margin (NIM): Bottom 0.2% in tier
- - Asset Growth Rate: Bottom 0.4% in tier
- - Loan-to-Member Ratio (LMR): Bottom 0.5% in tier
- - Total Loans: Bottom 0.5% in tier
- - Fee Income Per Member: Bottom 3.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1
0% YoY0% QoQ
|
-2.6K |
2,625
-2.2% YoY
|
21,139
+4.9% YoY
|
33,089
+6.1% YoY
|
Bottom 0.0% in tier |
| Assets |
$22.0
-98.9% YoY0% QoQ
|
$-29.9M |
$29.9M
+1.1% YoY
|
$362.5M
+9.5% YoY
|
$547.7M
+7.8% YoY
|
Bottom 0.0% in tier |
| Loans | $0.0 | $-15.8M |
$15.8M
-2.4% YoY
|
$271.1M
+9.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 0.0% in tier |
| Deposits | $0.0 | $-25.5M |
$25.5M
+0.4% YoY
|
$303.0M
+8.7% YoY
|
$464.6M
+9.3% YoY
|
Bottom 0.0% in tier |
| ROA | 0.0% | -0.7% |
0.7%
-731.4% YoY
|
0.8%
+4.1% YoY
|
0.7%
+273.4% YoY
|
Bottom 16.1% in tier |
| NIM | 0.0% | -3.9% |
3.9%
+3.8% YoY
|
3.8%
+5.1% YoY
|
3.7%
+5.0% YoY
|
Bottom 0.1% in tier |
| Efficiency Ratio | - | - |
81.4%
-2.4% YoY
|
75.4%
-1.8% YoY
|
79.1%
-3.3% YoY
|
- |
| Delinquency Rate | - | - |
1.5%
-2.0% YoY
|
1.1%
+8.5% YoY
|
1.2%
-0.9% YoY
|
- |
| Loan To Share | - | - |
61.2%
-3.0% YoY
|
70.4%
-2.4% YoY
|
68.0%
-1.7% YoY
|
- |
| AMR | $0.0 | $-15K |
$14,627
-2.7% YoY
|
$18,470
+2.4% YoY
|
$19,418
+1.3% YoY
|
Bottom 0.0% in tier |
| CD Concentration | - | - |
24.4%
+4.2% YoY
|
22.3%
+6.6% YoY
|
19.6%
+6.2% YoY
|
- |
| Indirect Auto % | - | - |
14.0%
-5.8% YoY
|
6.9%
+1.1% YoY
|
7.9%
-2.9% YoY
|
- |
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 (0 metrics)
No strength rankings available
Top Weaknesses (22 metrics)
2596
Efficiency Ratio
profitability
Value:
-
Peer Avg: 81.39%
#2596 of 2596
Bottom 0.0% in <100M tier
2596
Loan Growth Rate
growth
Value:
-
Peer Avg: 59.01%
#2596 of 2596
Bottom 0.0% in <100M tier
2596
Deposit Growth Rate
growth
Value:
-
Peer Avg: 16.80%
#2596 of 2596
Bottom 0.0% in <100M tier
2596
AMR Growth Rate
growth
Value:
-
Peer Avg: 4.67%
#2596 of 2596
Bottom 0.0% in <100M tier
2596
Total Delinquency Rate (60+ days)
risk
Value:
-
Peer Avg: 1.51%
#2596 of 2596
Bottom 0.0% in <100M tier
2596
Net Charge-Off Rate
risk
Value:
-
Peer Avg: 0.57%
#2596 of 2596
Bottom 0.0% in <100M tier
2596
Loan-to-Share Ratio
balance_sheet
Value:
-
Peer Avg: 61.23%
#2596 of 2596
Bottom 0.0% in <100M tier
2596
Indirect Auto Concentration (%)
balance_sheet
Value:
-
Peer Avg: 2.84%
#2596 of 2596
Bottom 0.0% in <100M tier
2596
First Mortgage Concentration (%)
balance_sheet
Value:
-
Peer Avg: 14.49%
#2596 of 2596
Bottom 0.0% in <100M tier
2596
Share Certificate Concentration (%)
balance_sheet
Value:
-
Peer Avg: 15.37%
#2596 of 2596
Bottom 0.0% in <100M tier