HAXTUN COMMUNITY

Charter #2794 | CO

<100M (2596 CUs) Micro
29 <100M in CO

HAXTUN COMMUNITY has 3 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Net Interest Margin 1.23% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Loan-to-Share Ratio: Top 8.2% in tier

Key Concerns

Areas that may need attention

  • - ROA 2.19% below tier average
  • - Efficiency ratio 39.62% above tier (higher cost structure)
  • - Delinquency rate 0.21% above tier average
  • - Net Worth Ratio: Bottom 0.7% in tier
  • - Asset Growth Rate: Bottom 2.1% in tier
  • - Deposit Growth Rate: Bottom 3.4% in tier
  • - AMR Growth Rate: Bottom 4.6% in tier
  • - Members Per Employee (MPE): Bottom 9.3% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
Members 715
-0.6% YoY0% QoQ
 -1.9K 2,625
-2.2% YoY
 38,063
+8.0% YoY
 33,089
+6.1% YoY
 Bottom 20.5% in tier
Assets $5.3M
-14.0% YoY-6.8% QoQ
 $-24.5M $29.9M
+1.1% YoY
 $678.0M
+7.3% YoY
 $547.7M
+7.8% YoY
 Bottom 20.5% in tier
Loans $4.6M
-13.7% YoY+1.7% QoQ
 $-11.1M $15.8M
-2.4% YoY
 $529.4M
+8.0% YoY
 $388.7M
+8.6% YoY
 32nd in tier
Deposits $5.0M
-14.4% YoY-8.1% QoQ
 $-20.5M $25.5M
+0.4% YoY
 $571.8M
+9.1% YoY
 $464.6M
+9.3% YoY
 Bottom 23.2% in tier
ROA -1.5%
+34.3% YoY-6.6% QoQ
 -2.2% 0.7%
-731.4% YoY
 0.5%
+8.5% YoY
 0.7%
+273.4% YoY
 Bottom 4.1% in tier
NIM 5.2%
+15.5% YoY+5.0% QoQ
 +1.2% 3.9%
+3.8% YoY
 3.6%
+3.7% YoY
 3.7%
+5.0% YoY
 Top 11.2% in tier
Efficiency Ratio 121.0%
+1.5% YoY+0.4% QoQ
 +39.6% 81.4%
-2.4% YoY
 80.6%
-2.6% YoY
 79.1%
-3.3% YoY
 Top 4.2% in tier
Delinquency Rate 1.7%
-40.4% YoY+38.4% QoQ
 +0.2 1.5%
-2.0% YoY
 0.9%
+6.2% YoY
 1.2%
-0.9% YoY
 Top 24.2% in tier
Loan To Share 93.3%
+0.7% YoY+10.6% QoQ
 +32.1% 61.2%
-3.0% YoY
 72.9%
-3.4% YoY
 68.0%
-1.7% YoY
 Top 8.4% in tier
AMR $13,455
-13.6% YoY-3.6% QoQ
 $-1K $14,627
-2.7% YoY
 $22,866
+4.1% YoY
 $19,418
+1.3% YoY
 48th in tier
CD Concentration 21.7%
-18.2% YoY-14.9% QoQ
 -2.7% 24.4%
+4.2% YoY
 26.3%
+7.3% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 12.4%
-8.4% YoY
 7.9%
-2.9% YoY
 50th in tier

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)

Comparing against 2596 peers in tier

Top Strengths (3 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 2.84%
#1 of 2596 Top 0.0% in <100M tier
213
Loan-to-Share Ratio
balance_sheet
Value: 93.29%
Peer Avg: 61.23%
#213 of 2596 Top 8.2% in <100M tier
292
Net Interest Margin (NIM)
profitability
Value: 5.17%
Peer Avg: 3.93%
#292 of 2596 Top 11.2% in <100M tier

Top Weaknesses (13 metrics)

2579
Net Worth Ratio
risk
Value: 5.36%
Peer Avg: 16.43%
#2579 of 2596 Bottom 0.7% in <100M tier
2543
Asset Growth Rate
growth
Value: -13.98%
Peer Avg: 1.82%
#2543 of 2596 Bottom 2.1% in <100M tier
2509
Deposit Growth Rate
growth
Value: -14.37%
Peer Avg: 16.80%
#2509 of 2596 Bottom 3.4% in <100M tier
2489
Return on Assets (ROA)
profitability
Value: -1.51%
Peer Avg: 0.68%
#2489 of 2596 Bottom 4.2% in <100M tier
2487
Efficiency Ratio
profitability
Value: 121.01%
Peer Avg: 81.39%
#2487 of 2596 Bottom 4.2% in <100M tier
2478
AMR Growth Rate
growth
Value: -13.59%
Peer Avg: 4.67%
#2478 of 2596 Bottom 4.6% in <100M tier
2356
Members Per Employee (MPE)
engagement
Value: 143.000
Peer Avg: 365.701
#2356 of 2596 Bottom 9.3% in <100M tier
2318
First Mortgage Concentration (%)
balance_sheet
Value: 43.74%
Peer Avg: 14.49%
#2318 of 2596 Bottom 10.7% in <100M tier
2257
Loan Growth Rate
growth
Value: -13.74%
Peer Avg: 59.01%
#2257 of 2596 Bottom 13.1% in <100M tier
2064
Total Members
engagement
Value: 715
Peer Avg: 2,626
#2064 of 2596 Bottom 20.5% in <100M tier