CME

Charter #294 | OH

100M-500M (1077 CUs) Micro
58 100M-500M in OH

CME has 7 strengths but faces 4 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 27.8% in tier
  • + Relationship Depth Leader: Top 34.5% in tier
  • + Net Interest Margin 0.16% above tier average
  • + Total Deposits: Top 0.9% in tier
  • + Total Loans: Top 1.1% in tier
  • + Total Members: Top 1.9% in tier
  • + Total Assets: Top 3.4% in tier

Key Concerns

Areas that may need attention

  • - Stagnation Risk: Bottom 32.0% in tier
  • - Membership Headwinds: Bottom 32.6% in tier
  • - ROA 0.40% below tier average
  • - Net Worth Ratio: Bottom 7.5% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Members 38,572
-0.6% YoY+0.1% QoQ
 +22.9K 15,628
-3.4% YoY
 16,553
+5.8% YoY
 33,089
+6.1% YoY
 Top 2.0% in tier
Assets $465.6M
+3.5% YoY-1.9% QoQ
 +$234.3M $231.3M
-0.0% YoY
 $245.2M
+8.8% YoY
 $547.7M
+7.8% YoY
 Top 3.5% in tier
Loans $364.5M
+0.5% YoY+5.3% QoQ
 +$216.7M $147.8M
-1.4% YoY
 $170.6M
+8.7% YoY
 $388.7M
+8.6% YoY
 Top 1.2% in tier
Deposits $426.7M
+3.3% YoY-2.3% QoQ
 +$226.4M $200.3M
-0.0% YoY
 $209.1M
+9.7% YoY
 $464.6M
+9.3% YoY
 Top 1.0% in tier
ROA 0.4%
+51.4% YoY+1.7% QoQ
 -0.4% 0.8%
+15.5% YoY
 0.5%
-7.3% YoY
 0.7%
+273.4% YoY
 Bottom 24.6% in tier
NIM 3.7%
+8.1% YoY+3.3% QoQ
 +0.2% 3.6%
+6.9% YoY
 3.7%
+3.3% YoY
 3.7%
+5.0% YoY
 59th in tier
Efficiency Ratio 76.8%
-5.9% YoY+2.8% QoQ
 -0.5% 77.3%
-3.0% YoY
 83.9%
+3.6% YoY
 79.1%
-3.3% YoY
 48th in tier
Delinquency Rate 0.7%
-0.6% YoY+12.2% QoQ
 -0.1 0.9%
+7.6% YoY
 1.5%
+29.9% YoY
 1.2%
-0.9% YoY
 52nd in tier
Loan To Share 85.4%
-2.7% YoY+7.7% QoQ
 +12.7% 72.7%
-1.5% YoY
 63.8%
-2.4% YoY
 68.0%
-1.7% YoY
 Top 24.4% in tier
AMR $20,512
+2.6% YoY+1.0% QoQ
 $-4K $24,363
+2.9% YoY
 $17,099
+5.9% YoY
 $19,418
+1.3% YoY
 39th in tier
CD Concentration 27.3%
+20.7% YoY+5.4% QoQ
 +2.9% 24.4%
+4.2% YoY
 19.2%
+8.0% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 7.4%
-30.8% YoY-12.6% QoQ
 -6.5% 14.0%
-5.8% YoY
 11.2%
-0.8% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#767 of 1006 • Top 27.8% in tier

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

Why This Signature
AMR Growth (YoY): 2.63%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Relationship Depth Leader

growth
#951 of 1006 • Top 34.5% in tier

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

Why This Signature
AMR Growth (YoY): 2.63%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $1.7K
(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 | New qualifier

Concerns (2)

Stagnation Risk

risk
#528 of 550 • Bottom 32.0% 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: 0.39%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -0.60%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $20.5K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 27.27%
(Tier: 24.41%, National: 19.60%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Membership Headwinds

decline
#537 of 550 • Bottom 32.6% in tier

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

Why This Signature
Member Growth (YoY): -0.60%
(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 | 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)

Comparing against 1077 peers in tier

Top Strengths (6 metrics)

11
Total Deposits
balance_sheet
Value: $426.73M
Peer Avg: $200.29M
#11 of 1077 Top 0.9% in 100M-500M tier
13
Total Loans
balance_sheet
Value: $364.47M
Peer Avg: $147.80M
#13 of 1077 Top 1.1% in 100M-500M tier
22
Total Members
engagement
Value: 38,572
Peer Avg: 15,628
#22 of 1077 Top 1.9% in 100M-500M tier
38
Total Assets
balance_sheet
Value: $465.62M
Peer Avg: $231.30M
#38 of 1077 Top 3.4% in 100M-500M tier
122
Members Per Employee (MPE)
engagement
Value: 448.512
Peer Avg: 332.881
#122 of 1077 Top 11.2% in 100M-500M tier
263
Loan-to-Share Ratio
balance_sheet
Value: 85.41%
Peer Avg: 72.70%
#263 of 1077 Top 24.3% in 100M-500M tier

Top Weaknesses (3 metrics)

997
Net Worth Ratio
risk
Value: 8.42%
Peer Avg: 12.15%
#997 of 1077 Bottom 7.5% in 100M-500M tier
857
Net Charge-Off Rate
risk
Value: 0.69%
Peer Avg: 0.47%
#857 of 1077 Bottom 20.5% in 100M-500M tier
812
Return on Assets (ROA)
profitability
Value: 0.39%
Peer Avg: 0.79%
#812 of 1077 Bottom 24.7% in 100M-500M tier