INROADS
Charter #2730 | OR
100M-500M
(1077 CUs)
Micro
($0-$500M)
18 100M-500M in OR
INROADS has 3 strengths but faces 17 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.16% above tier average
- + Loan-to-Member Ratio (LMR): Top 8.6% in tier
- + Average Member Relationship (AMR): Top 9.8% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 3.4% in tier
- - Accelerating Exit Risk: Bottom 4.2% in tier
- - Shrinking Wallet Share: Bottom 9.6% in tier
- - Institutional Decline: Bottom 9.9% in tier
- - Efficiency Drag: Bottom 11.7% in tier
- - Membership Headwinds: Bottom 14.3% in tier
- - Stagnation Risk: Bottom 23.8% in tier
- - ROA 1.11% below tier average
- - Efficiency ratio 20.44% above tier (higher cost structure)
- - Delinquency rate 0.33% above tier average
- - Member decline: -2.9% YoY
- - Asset Growth Rate: Bottom 0.6% in tier
- - Deposit Growth Rate: Bottom 2.5% in tier
- - Members Per Employee (MPE): Bottom 3.4% in tier
- - AMR Growth Rate: Bottom 6.8% in tier
- - Net Worth Ratio: Bottom 8.5% in tier
- - Loan Growth Rate: Bottom 9.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
16,217
-2.9% YoY-0.3% QoQ
|
+588 |
15,628
-3.4% YoY
|
48,799
+9.4% YoY
|
33,089
+6.1% YoY
|
62nd in tier |
| Assets |
$331.4M
-10.8% YoY-0.5% QoQ
|
+$100.1M |
$231.3M
-0.0% YoY
|
$801.2M
+7.5% YoY
|
$547.7M
+7.8% YoY
|
Top 22.1% in tier |
| Loans |
$255.3M
-6.0% YoY-1.5% QoQ
|
+$107.5M |
$147.8M
-1.4% YoY
|
$546.0M
+10.9% YoY
|
$388.7M
+8.6% YoY
|
Top 13.1% in tier |
| Deposits |
$300.6M
-6.5% YoY+0.7% QoQ
|
+$100.3M |
$200.3M
-0.0% YoY
|
$683.7M
+7.5% YoY
|
$464.6M
+9.3% YoY
|
Top 18.6% in tier |
| ROA |
-0.3%
-327.0% YoY-2.6% QoQ
|
-1.1% |
0.8%
+15.5% YoY
|
0.7%
+15.2% YoY
|
0.7%
+273.4% YoY
|
Bottom 2.9% in tier |
| NIM |
3.7%
+18.6% YoY+3.6% QoQ
|
+0.2% |
3.6%
+6.9% YoY
|
3.9%
+7.2% YoY
|
3.7%
+5.0% YoY
|
59th in tier |
| Efficiency Ratio |
97.7%
+8.7% YoY-2.5% QoQ
|
+20.4% |
77.3%
-3.0% YoY
|
76.2%
-3.6% YoY
|
79.1%
-3.3% YoY
|
Top 3.4% in tier |
| Delinquency Rate |
1.2%
+133.6% YoY-40.0% QoQ
|
+0.3 |
0.9%
+7.6% YoY
|
0.9%
-6.6% YoY
|
1.2%
-0.9% YoY
|
Top 22.8% in tier |
| Loan To Share |
84.9%
+0.5% YoY-2.2% QoQ
|
+12.2% |
72.7%
-1.5% YoY
|
76.2%
+0.8% YoY
|
68.0%
-1.7% YoY
|
74th in tier |
| AMR |
$34,279
-3.5% YoY+0.0% QoQ
|
+$10K |
$24,363
+2.9% YoY
|
$25,038
+0.5% YoY
|
$19,418
+1.3% YoY
|
Top 9.9% in tier |
| CD Concentration |
17.8%
-0.9% YoY-1.9% QoQ
|
-6.6% |
24.4%
+4.2% YoY
|
16.6%
+1.3% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % |
6.0%
-21.8% YoY-20.3% QoQ
|
-8.0% |
14.0%
-5.8% YoY
|
13.9%
-0.5% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (7)
Credit Quality Pressure
risk
#86 of 736 • Bottom 3.4% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
0.68% 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
Accelerating Exit Risk
decline
#12 of 58 • Bottom 4.2% in tier
Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Why This Signature
Member Growth (YoY):
-2.89%
(Tier:
0.88%, National:
9.37%)
AMR Growth (YoY):
-3.49%
(Tier:
3.68%, National:
4.19%)
58 of 1077 Community CUs have this signature
| 73 nationally
↓ Shrinking
-89 CUs YoY
|
New qualifier
Shrinking Wallet Share
decline
#97 of 244 • Bottom 9.6% in tier
Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Why This Signature
AMR Growth (YoY):
-3.49%
(Tier:
3.68%, National:
4.19%)
244 of 1077 Community CUs have this signature
| 346 nationally
↓ Shrinking
-221 CUs YoY
|
New qualifier
Institutional Decline
decline
#79 of 256 • Bottom 9.9% in tier
Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Why This Signature
Total Assets:
$331.38M
(Tier: $231.30M, National: $547.69M)
Member Growth (YoY):
-2.89%
(Tier:
0.88%, National:
9.37%)
Loan Growth (YoY):
-6.01%
(Tier:
3.64%, National:
36.38%)
256 of 1077 Community CUs have this signature
| 293 nationally
↓ Shrinking
-43 CUs YoY
|
Rank improving
Efficiency Drag
risk
#208 of 521 • Bottom 11.7% in tier
High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Why This Signature
Efficiency Ratio:
97.72%
(Tier:
77.15%, National:
79.10%)
ROA Change (YoY):
-0.47% points
(Tier:
0.11% points, National:
0.05% points)
Member Growth (YoY):
-2.89%
(Tier:
0.88%, National:
9.37%)
521 of 1077 Community CUs have this signature
| 624 nationally
↓ Shrinking
-113 CUs YoY
|
Rank worsening
Membership Headwinds
decline
#237 of 550 • Bottom 14.3% in tier
Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Why This Signature
Member Growth (YoY):
-2.89%
(Tier:
0.88%, National:
9.37%)
550 of 1077 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
Rank improving
Stagnation Risk
risk
#393 of 550 • Bottom 23.8% 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:
-0.32%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
-2.89%
(Tier:
0.88%, National:
9.37%)
Avg Member Relationship:
$34.3K
(Tier: $25.0K, National: $19.4K)
CD Concentration:
17.79%
(Tier:
24.41%, National:
19.60%)
550 of 1077 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 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 (6 metrics)
94
Loan-to-Member Ratio (LMR)
engagement
Value:
$15,744
Peer Avg: $10,245
#94 of 1077
Top 8.6% in 100M-500M tier
107
Average Member Relationship (AMR)
engagement
Value:
$34,279
Peer Avg: $24,363
#107 of 1077
Top 9.8% in 100M-500M tier
141
Total Loans
balance_sheet
Value:
$255.32M
Peer Avg: $147.80M
#141 of 1077
Top 13.0% in 100M-500M tier
200
Total Deposits
balance_sheet
Value:
$300.58M
Peer Avg: $200.29M
#200 of 1077
Top 18.5% in 100M-500M tier
208
Fee Income Per Member
profitability
Value:
$229.61
Peer Avg: $174.31
#208 of 1077
Top 19.2% in 100M-500M tier
238
Total Assets
balance_sheet
Value:
$331.38M
Peer Avg: $231.30M
#238 of 1077
Top 22.0% in 100M-500M tier
Top Weaknesses (10 metrics)
1072
Asset Growth Rate
growth
Value:
-10.75%
Peer Avg: 4.70%
#1072 of 1077
Bottom 0.6% in 100M-500M tier
1051
Deposit Growth Rate
growth
Value:
-6.51%
Peer Avg: 4.69%
#1051 of 1077
Bottom 2.5% in 100M-500M tier
1046
Return on Assets (ROA)
profitability
Value:
-0.32%
Peer Avg: 0.79%
#1046 of 1077
Bottom 3.0% in 100M-500M tier
1041
Efficiency Ratio
profitability
Value:
97.72%
Peer Avg: 77.28%
#1041 of 1077
Bottom 3.4% in 100M-500M tier
1041
Members Per Employee (MPE)
engagement
Value:
195.386
Peer Avg: 332.881
#1041 of 1077
Bottom 3.4% in 100M-500M tier
1005
AMR Growth Rate
growth
Value:
-3.49%
Peer Avg: 3.64%
#1005 of 1077
Bottom 6.8% in 100M-500M tier
986
Net Worth Ratio
risk
Value:
8.54%
Peer Avg: 12.15%
#986 of 1077
Bottom 8.5% in 100M-500M tier
971
Loan Growth Rate
growth
Value:
-6.01%
Peer Avg: 3.45%
#971 of 1077
Bottom 9.9% in 100M-500M tier
873
Member Growth Rate
growth
Value:
-2.89%
Peer Avg: 0.72%
#873 of 1077
Bottom 19.0% in 100M-500M tier
832
Total Delinquency Rate (60+ days)
risk
Value:
1.19%
Peer Avg: 0.86%
#832 of 1077
Bottom 22.8% in 100M-500M tier