MCBRYDE
Charter #2713 | HI
100M-500M
(1077 CUs)
Micro
($0-$500M)
14 100M-500M in HI
MCBRYDE has 8 strengths but faces 17 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 13.5% in tier
- + ROA 0.36% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 0.6% in tier
- + Efficiency Ratio: Top 0.6% in tier
- + Members Per Employee (MPE): Top 1.6% in tier
- + Net Charge-Off Rate: Top 3.9% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 0.1% in tier
- - Credit Quality Pressure: Bottom 1.2% in tier
- - Stagnation Risk: Bottom 13.1% in tier
- - Margin Compression: Bottom 15.5% in tier
- - Institutional Decline: Bottom 28.7% in tier
- - Membership Headwinds: Bottom 33.1% in tier
- - Delinquency rate 2.89% above tier average
- - Fee Income Per Member: Bottom 0.4% in tier
- - Total Loans: Bottom 0.4% in tier
- - Total Deposits: Bottom 0.4% in tier
- - Loan-to-Share Ratio: Bottom 0.5% in tier
- - Total Members: Bottom 0.5% in tier
- - Total Delinquency Rate (60+ days): Bottom 1.1% in tier
- - Total Assets: Bottom 1.1% in tier
- - Loan Growth Rate: Bottom 1.6% in tier
- - Net Interest Margin (NIM): Bottom 3.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 7.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,200
-0.5% YoY+0.1% QoQ
|
-12.4K |
15,628
-3.4% YoY
|
19,538
+4.7% YoY
|
33,089
+6.1% YoY
|
Bottom 0.4% in tier |
| Assets |
$101.9M
+4.1% YoY+2.3% QoQ
|
$-129.4M |
$231.3M
-0.0% YoY
|
$371.1M
+11.7% YoY
|
$547.7M
+7.8% YoY
|
Bottom 1.0% in tier |
| Loans |
$16.8M
-12.9% YoY-3.1% QoQ
|
$-131.0M |
$147.8M
-1.4% YoY
|
$190.1M
+8.2% YoY
|
$388.7M
+8.6% YoY
|
Bottom 0.3% in tier |
| Deposits |
$77.7M
+3.2% YoY+1.3% QoQ
|
$-122.6M |
$200.3M
-0.0% YoY
|
$328.7M
+11.9% YoY
|
$464.6M
+9.3% YoY
|
Bottom 0.3% in tier |
| ROA |
1.1%
-24.1% YoY+13.4% QoQ
|
+0.4% |
0.8%
+15.5% YoY
|
0.8%
+109.8% YoY
|
0.7%
+273.4% YoY
|
75th in tier |
| NIM |
2.2%
-5.6% YoY+0.1% QoQ
|
-1.4% |
3.6%
+6.9% YoY
|
3.1%
+10.9% YoY
|
3.7%
+5.0% YoY
|
Bottom 3.1% in tier |
| Efficiency Ratio |
43.2%
+9.3% YoY-1.6% QoQ
|
-34.1% |
77.3%
-3.0% YoY
|
73.4%
-6.7% YoY
|
79.1%
-3.3% YoY
|
Bottom 0.6% in tier |
| Delinquency Rate |
3.8%
+42.9% YoY-19.9% QoQ
|
+2.9 |
0.9%
+7.6% YoY
|
1.2%
-0.3% YoY
|
1.2%
-0.9% YoY
|
Top 1.1% in tier |
| Loan To Share |
21.6%
-15.6% YoY-4.3% QoQ
|
-51.1% |
72.7%
-1.5% YoY
|
55.2%
-1.0% YoY
|
68.0%
-1.7% YoY
|
Bottom 0.4% in tier |
| AMR |
$29,541
+0.5% YoY+0.4% QoQ
|
+$5K |
$24,363
+2.9% YoY
|
$22,988
+5.6% YoY
|
$19,418
+1.3% YoY
|
Top 18.1% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
23.5%
+10.2% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
5.1%
-6.8% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (1)
Emerging Performer
growth
#253 of 627 • Top 13.5% in tier
Profitable credit union with positive returns. May represent growth potential worth exploring.
Why This Signature
Return on Assets:
1.14%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
-0.53%
(Tier:
0.88%, National:
9.37%)
627 of 1077 Community CUs have this signature
| 852 nationally
↑ Growing
+13 CUs YoY
|
New qualifier
Concerns (6)
Liquidity Overhang
risk
#2 of 552 • Bottom 0.1% 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:
26.48%
(Tier:
11.95%, National:
14.51%)
Loan-to-Share Ratio:
21.63%
(Tier:
74.56%, National:
67.96%)
552 of 1077 Community CUs have this signature
| 691 nationally
↑ Growing
+65 CUs YoY
|
New qualifier
Credit Quality Pressure
risk
#32 of 736 • Bottom 1.2% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
1.13% points
(Tier:
0.04% points, National:
0.07% points)
736 of 1077 Community CUs have this signature
| 1002 nationally
↓ Shrinking
-199 CUs YoY
|
New qualifier
Stagnation Risk
risk
#216 of 550 • Bottom 13.1% 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:
1.14%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
-0.53%
(Tier:
0.88%, National:
9.37%)
Avg Member Relationship:
$29.5K
(Tier: $25.0K, National: $19.4K)
CD Concentration:
0.00%
(Tier:
24.41%, National:
19.60%)
550 of 1077 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
New qualifier
Margin Compression
decline
#66 of 136 • Bottom 15.5% in tier
Strong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.
Why This Signature
Return on Assets:
1.14%
(Tier:
0.77%, National:
0.71%)
ROA Change (YoY):
-0.36% points
(Tier:
0.11% points, National:
0.05% points)
Total Assets:
$101.93M
(Tier: $231.30M, National: $547.69M)
136 of 1077 Community CUs have this signature
| 169 nationally
↓ Shrinking
-43 CUs YoY
|
New qualifier
Institutional Decline
decline
#227 of 256 • Bottom 28.7% in tier
Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Why This Signature
Total Assets:
$101.93M
(Tier: $231.30M, National: $547.69M)
Member Growth (YoY):
-0.53%
(Tier:
0.88%, National:
9.37%)
Loan Growth (YoY):
-12.90%
(Tier:
3.64%, National:
36.38%)
256 of 1077 Community CUs have this signature
| 293 nationally
↓ Shrinking
-43 CUs YoY
|
New qualifier
Membership Headwinds
decline
#545 of 550 • Bottom 33.1% in tier
Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Why This Signature
Member Growth (YoY):
-0.53%
(Tier:
0.88%, National:
9.37%)
550 of 1077 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
New qualifier
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 (9 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 13.34%
#1 of 1077
Top 0.0% in 100M-500M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 23.61%
#1 of 1077
Top 0.0% in 100M-500M tier
7
Net Worth Ratio
risk
Value:
26.48%
Peer Avg: 12.15%
#7 of 1077
Top 0.6% in 100M-500M tier
8
Efficiency Ratio
profitability
Value:
43.19%
Peer Avg: 77.28%
#8 of 1077
Top 0.6% in 100M-500M tier
18
Members Per Employee (MPE)
engagement
Value:
640.000
Peer Avg: 332.881
#18 of 1077
Top 1.6% in 100M-500M tier
43
Net Charge-Off Rate
risk
Value:
0.02%
Peer Avg: 0.47%
#43 of 1077
Top 3.9% in 100M-500M tier
126
First Mortgage Concentration (%)
balance_sheet
Value:
9.06%
Peer Avg: 30.43%
#126 of 1077
Top 11.6% in 100M-500M tier
195
Average Member Relationship (AMR)
engagement
Value:
$29,541
Peer Avg: $24,363
#195 of 1077
Top 18.0% in 100M-500M tier
270
Return on Assets (ROA)
profitability
Value:
1.14%
Peer Avg: 0.79%
#270 of 1077
Top 25.0% in 100M-500M tier
Top Weaknesses (10 metrics)
1074
Fee Income Per Member
profitability
Value:
$6.45
Peer Avg: $174.31
#1074 of 1077
Bottom 0.4% in 100M-500M tier
1074
Total Loans
balance_sheet
Value:
$16.81M
Peer Avg: $147.80M
#1074 of 1077
Bottom 0.4% in 100M-500M tier
1074
Total Deposits
balance_sheet
Value:
$77.72M
Peer Avg: $200.29M
#1074 of 1077
Bottom 0.4% in 100M-500M tier
1073
Loan-to-Share Ratio
balance_sheet
Value:
21.63%
Peer Avg: 72.70%
#1073 of 1077
Bottom 0.5% in 100M-500M tier
1073
Total Members
engagement
Value:
3,200
Peer Avg: 15,628
#1073 of 1077
Bottom 0.5% in 100M-500M tier
1066
Total Delinquency Rate (60+ days)
risk
Value:
3.75%
Peer Avg: 0.86%
#1066 of 1077
Bottom 1.1% in 100M-500M tier
1066
Total Assets
balance_sheet
Value:
$101.93M
Peer Avg: $231.30M
#1066 of 1077
Bottom 1.1% in 100M-500M tier
1061
Loan Growth Rate
growth
Value:
-12.90%
Peer Avg: 3.45%
#1061 of 1077
Bottom 1.6% in 100M-500M tier
1044
Net Interest Margin (NIM)
profitability
Value:
2.19%
Peer Avg: 3.58%
#1044 of 1077
Bottom 3.2% in 100M-500M tier
999
Loan-to-Member Ratio (LMR)
engagement
Value:
$5,253
Peer Avg: $10,245
#999 of 1077
Bottom 7.3% in 100M-500M tier