RED CROWN

Charter #2585 | OK

100M-500M (1077 CUs) Micro
17 100M-500M in OK

RED CROWN has 2 strengths but faces 11 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 16.0% in tier
  • + Relationship Depth Leader: Top 18.1% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 2.7% in tier
  • - Membership Headwinds: Bottom 5.3% in tier
  • - Institutional Decline: Bottom 7.8% in tier
  • - Efficiency Drag: Bottom 16.7% in tier
  • - Indirect Auto Dependency: Bottom 20.4% in tier
  • - Stagnation Risk: Bottom 26.9% in tier
  • - ROA 1.78% below tier average
  • - Efficiency ratio 35.20% above tier (higher cost structure)
  • - Delinquency rate 0.57% above tier average
  • - Member decline: -6.0% YoY
  • - Member Growth Rate: Bottom 7.3% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Members 18,158
-6.0% YoY-1.0% QoQ
 +2.5K 15,628
-3.4% YoY
 27,533
+2.7% YoY
 33,089
+6.1% YoY
 68th in tier
Assets $253.2M
+3.4% YoY-0.8% QoQ
 +$21.9M $231.3M
-0.0% YoY
 $405.5M
+5.4% YoY
 $547.7M
+7.8% YoY
 65th in tier
Loans $148.9M
-3.1% YoY+0.8% QoQ
 +$1.1M $147.8M
-1.4% YoY
 $252.8M
+1.3% YoY
 $388.7M
+8.6% YoY
 60th in tier
Deposits $208.6M
+0.7% YoY-1.4% QoQ
 +$8.3M $200.3M
-0.0% YoY
 $336.4M
+4.6% YoY
 $464.6M
+9.3% YoY
 61st in tier
ROA -1.0%
-1080.8% YoY-42.5% QoQ
 -1.8% 0.8%
+15.5% YoY
 0.6%
+31.7% YoY
 0.7%
+273.4% YoY
 Bottom 0.8% in tier
NIM 3.1%
-7.7% YoY+0.3% QoQ
 -0.5% 3.6%
+6.9% YoY
 3.9%
+3.8% YoY
 3.7%
+5.0% YoY
 Bottom 22.6% in tier
Efficiency Ratio 112.5%
+25.3% YoY-15.2% QoQ
 +35.2% 77.3%
-3.0% YoY
 79.2%
-1.1% YoY
 79.1%
-3.3% YoY
 Top 0.6% in tier
Delinquency Rate 1.4%
+140.7% YoY+4.3% QoQ
 +0.6 0.9%
+7.6% YoY
 1.1%
-4.2% YoY
 1.2%
-0.9% YoY
 Top 16.0% in tier
Loan To Share 71.4%
-3.7% YoY+2.2% QoQ
 -1.3% 72.7%
-1.5% YoY
 71.1%
-2.1% YoY
 68.0%
-1.7% YoY
 43rd in tier
AMR $19,690
+5.4% YoY+0.5% QoQ
 $-5K $24,363
+2.9% YoY
 $17,893
+3.6% YoY
 $19,418
+1.3% YoY
 33rd in tier
CD Concentration 21.0%
+6.2% YoY-4.6% QoQ
 -3.4% 24.4%
+4.2% YoY
 23.2%
+1.7% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 19.8%
-8.2% YoY-3.1% QoQ
 +5.8% 14.0%
-5.8% YoY
 15.2%
-17.2% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#441 of 1006 • Top 16.0% in tier

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

Why This Signature
AMR Growth (YoY): 5.37%
(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 worsening

Relationship Depth Leader

growth
#500 of 1006 • Top 18.1% in tier

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

Why This Signature
AMR Growth (YoY): 5.37%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.5K
(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 worsening

Concerns (6)

Credit Quality Pressure

risk
#67 of 736 • Bottom 2.7% in tier

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

Why This Signature
Delinquency Change (YoY): 0.84% 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 | Rank improving

Membership Headwinds

decline
#89 of 550 • Bottom 5.3% in tier

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

Why This Signature
Member Growth (YoY): -5.97%
(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 worsening

Institutional Decline

decline
#62 of 256 • Bottom 7.8% in tier

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

Why This Signature
Total Assets: $253.18M
(Tier: $231.30M, National: $547.69M)
but better than tier avg
Member Growth (YoY): -5.97%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -3.07%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
256 of 1077 Community CUs have this signature | 293 nationally
↓ Shrinking -43 CUs YoY | Rank worsening

Efficiency Drag

risk
#296 of 521 • Bottom 16.7% in tier

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

Why This Signature
Efficiency Ratio: 112.48%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -1.10% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): -5.97%
(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 worsening

Indirect Auto Dependency

risk
#329 of 525 • Bottom 20.4% in tier

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

Why This Signature
Asset Growth (YoY): 3.37%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 19.79%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -5.97%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank improving

Stagnation Risk

risk
#444 of 550 • Bottom 26.9% 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: -1.00%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -5.97%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $19.7K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 21.04%
(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

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 (0 metrics)

No strength rankings available

Top Weaknesses (8 metrics)

1072
Efficiency Ratio
profitability
Value: 112.48%
Peer Avg: 77.28%
#1072 of 1077 Bottom 0.6% in 100M-500M tier
1068
Return on Assets (ROA)
profitability
Value: -1.00%
Peer Avg: 0.79%
#1068 of 1077 Bottom 0.9% in 100M-500M tier
999
Member Growth Rate
growth
Value: -5.97%
Peer Avg: 0.72%
#999 of 1077 Bottom 7.3% in 100M-500M tier
906
Total Delinquency Rate (60+ days)
risk
Value: 1.43%
Peer Avg: 0.86%
#906 of 1077 Bottom 16.0% in 100M-500M tier
873
Members Per Employee (MPE)
engagement
Value: 252.194
Peer Avg: 332.881
#873 of 1077 Bottom 19.0% in 100M-500M tier
862
Loan Growth Rate
growth
Value: -3.07%
Peer Avg: 3.45%
#862 of 1077 Bottom 20.1% in 100M-500M tier
834
Net Interest Margin (NIM)
profitability
Value: 3.09%
Peer Avg: 3.58%
#834 of 1077 Bottom 22.7% in 100M-500M tier
824
Deposit Growth Rate
growth
Value: 0.67%
Peer Avg: 4.69%
#824 of 1077 Bottom 23.6% in 100M-500M tier