OXFORD
Charter #2645 | ME
100M-500M
(1077 CUs)
Micro
($0-$500M)
33 100M-500M in ME
OXFORD has 5 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 5.6% in tier
- + Organic Growth Leader: Top 12.4% in tier
- + Wallet Share Momentum: Top 29.3% in tier
- + Relationship Depth Leader: Top 34.6% in tier
- + ROA 0.68% above tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 6.9% in tier
- - Liquidity Overhang: Bottom 11.4% in tier
- - Credit Quality Pressure: Bottom 13.1% in tier
- - Growth-at-Risk: Bottom 24.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
19,990
+3.2% YoY+0.9% QoQ
|
+4.4K |
15,628
-3.4% YoY
|
15,972
+1.7% YoY
|
33,089
+6.1% YoY
|
Top 24.7% in tier |
| Assets |
$357.1M
+9.7% YoY+1.1% QoQ
|
+$125.8M |
$231.3M
-0.0% YoY
|
$270.6M
+5.7% YoY
|
$547.7M
+7.8% YoY
|
Top 16.9% in tier |
| Loans |
$219.9M
+0.7% YoY+0.9% QoQ
|
+$72.1M |
$147.8M
-1.4% YoY
|
$188.4M
+4.5% YoY
|
$388.7M
+8.6% YoY
|
Top 20.1% in tier |
| Deposits |
$298.9M
+9.5% YoY+0.7% QoQ
|
+$98.6M |
$200.3M
-0.0% YoY
|
$236.4M
+5.3% YoY
|
$464.6M
+9.3% YoY
|
Top 18.9% in tier |
| ROA |
1.5%
-14.2% YoY+2.4% QoQ
|
+0.7% |
0.8%
+15.5% YoY
|
0.9%
+6.3% YoY
|
0.7%
+273.4% YoY
|
Top 13.2% in tier |
| NIM |
3.5%
-6.1% YoY+0.3% QoQ
|
-0.1% |
3.6%
+6.9% YoY
|
3.6%
+6.2% YoY
|
3.7%
+5.0% YoY
|
46th in tier |
| Efficiency Ratio |
63.3%
+4.8% YoY-0.2% QoQ
|
-13.9% |
77.3%
-3.0% YoY
|
76.0%
-2.1% YoY
|
79.1%
-3.3% YoY
|
Bottom 12.6% in tier |
| Delinquency Rate |
0.8%
+40.3% YoY+19.9% QoQ
|
-0.1 |
0.9%
+7.6% YoY
|
0.8%
+28.5% YoY
|
1.2%
-0.9% YoY
|
60th in tier |
| Loan To Share |
73.6%
-8.1% YoY+0.1% QoQ
|
+0.9% |
72.7%
-1.5% YoY
|
75.4%
-1.4% YoY
|
68.0%
-1.7% YoY
|
49th in tier |
| AMR |
$25,955
+2.4% YoY-0.1% QoQ
|
+$2K |
$24,363
+2.9% YoY
|
$25,292
+3.8% YoY
|
$19,418
+1.3% YoY
|
69th in tier |
| CD Concentration |
26.0%
+8.5% YoY+2.9% QoQ
|
+1.6% |
24.4%
+4.2% YoY
|
25.0%
+4.9% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % |
4.2%
+78.9% YoY+49.2% QoQ
|
-9.7% |
14.0%
-5.8% YoY
|
15.8%
+6.7% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (4)
Organic Growth Engine
growth
#104 of 603 • Top 5.6% in tier
Growing membership while maintaining profitability. Healthy fundamentals in place.
Why This Signature
Member Growth (YoY):
3.18%
(Tier:
0.88%, National:
9.37%)
Return on Assets:
1.47%
(Tier:
0.77%, National:
0.71%)
Indirect Auto %:
4.24%
(Tier:
13.96%, National:
7.90%)
603 of 1077 Community CUs have this signature
| 917 nationally
→ Stable (608→603 CUs)
-5 CUs YoY
|
Rank improving
Organic Growth Leader
growth
#164 of 430 • Top 12.4% in tier
Attracting members without relying on indirect channels. Healthy, sustainable growth model.
Why This Signature
Member Growth (YoY):
3.18%
(Tier:
0.88%, National:
9.37%)
430 of 1077 Community CUs have this signature
| 608 nationally
↓ Shrinking
-21 CUs YoY
|
Rank improving
Wallet Share Momentum
growth
#808 of 1006 • Top 29.3% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
2.35%
(Tier:
3.68%, National:
4.19%)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
Rank worsening
Relationship Depth Leader
growth
#954 of 1006 • Top 34.6% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
2.35%
(Tier:
3.68%, National:
4.19%)
Share Draft per Member:
$1.8K
(Tier: $2.8K, National: $2.0K)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
Rank worsening
Concerns (4)
Margin Compression
decline
#30 of 136 • Bottom 6.9% in tier
Strong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.
Why This Signature
Return on Assets:
1.47%
(Tier:
0.77%, National:
0.71%)
ROA Change (YoY):
-0.24% points
(Tier:
0.11% points, National:
0.05% points)
Total Assets:
$357.08M
(Tier: $231.30M, National: $547.69M)
136 of 1077 Community CUs have this signature
| 169 nationally
↓ Shrinking
-43 CUs YoY
|
New qualifier
Liquidity Overhang
risk
#177 of 552 • Bottom 11.4% 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:
15.64%
(Tier:
11.95%, National:
14.51%)
Loan-to-Share Ratio:
73.56%
(Tier:
74.56%, National:
67.96%)
552 of 1077 Community CUs have this signature
| 691 nationally
↑ Growing
+65 CUs YoY
|
Rank improving
Credit Quality Pressure
risk
#325 of 736 • Bottom 13.1% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
0.23% points
(Tier:
0.04% points, National:
0.07% points)
736 of 1077 Community CUs have this signature
| 1002 nationally
↓ Shrinking
-199 CUs YoY
|
Rank improving
Growth-at-Risk
risk
#363 of 446 • Bottom 24.2% in tier
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Why This Signature
Loan Growth (YoY):
0.71%
(Tier:
3.64%, National:
36.38%)
Delinquency Change (YoY):
0.23% points
(Tier:
0.04% points, National:
0.07% points)
446 of 1077 Community CUs have this signature
| 646 nationally
↓ Shrinking
-77 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)
Top Strengths (12 metrics)
128
Asset Growth Rate
growth
Value:
9.73%
Peer Avg: 4.70%
#128 of 1077
Top 11.8% in 100M-500M tier
137
Efficiency Ratio
profitability
Value:
63.33%
Peer Avg: 77.28%
#137 of 1077
Top 12.6% in 100M-500M tier
137
Net Worth Ratio
risk
Value:
15.64%
Peer Avg: 12.15%
#137 of 1077
Top 12.6% in 100M-500M tier
138
Deposit Growth Rate
growth
Value:
9.53%
Peer Avg: 4.69%
#138 of 1077
Top 12.7% in 100M-500M tier
142
Return on Assets (ROA)
profitability
Value:
1.47%
Peer Avg: 0.79%
#142 of 1077
Top 13.1% in 100M-500M tier
173
Members Per Employee (MPE)
engagement
Value:
416.458
Peer Avg: 332.881
#173 of 1077
Top 16.0% in 100M-500M tier
182
Total Assets
balance_sheet
Value:
$357.08M
Peer Avg: $231.30M
#182 of 1077
Top 16.8% in 100M-500M tier
196
Member Growth Rate
growth
Value:
3.18%
Peer Avg: 0.72%
#196 of 1077
Top 18.1% in 100M-500M tier
204
Total Deposits
balance_sheet
Value:
$298.93M
Peer Avg: $200.29M
#204 of 1077
Top 18.8% in 100M-500M tier
216
Total Loans
balance_sheet
Value:
$219.91M
Peer Avg: $147.80M
#216 of 1077
Top 20.0% in 100M-500M tier
Top Weaknesses (0 metrics)
No weakness rankings available