FAIRMONT

Charter #3439 | WV

500M-750M (169 CUs) Community (281 CUs)
2 500M-750M in WV

FAIRMONT has 5 strengths but faces 3 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 7.4% in tier
  • + Wallet Share Momentum: Top 13.3% in tier
  • + Organic Growth Engine: Top 25.8% in tier
  • + ROA 0.23% above tier average
  • + Net Charge-Off Rate: Top 8.3% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 4.0% in tier
  • - Growth-at-Risk: Bottom 18.7% in tier
  • - Credit Quality Pressure: Bottom 20.5% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (WV) National Avg Tier Percentile
Members 45,297
+1.7% YoY+0.5% QoQ
 +5.5K 39,752
-2.7% YoY
 5,095
+0.6% YoY
 33,089
+6.1% YoY
 71st in tier
Assets $562.5M
+9.5% YoY-0.3% QoQ
 $-59.9M $622.4M
+0.3% YoY
 $68.6M
+3.5% YoY
 $547.7M
+7.8% YoY
 27th in tier
Loans $368.3M
+6.8% YoY+1.3% QoQ
 $-67.6M $435.9M
-0.4% YoY
 $38.2M
+0.9% YoY
 $388.7M
+8.6% YoY
 Bottom 22.5% in tier
Deposits $506.7M
+8.8% YoY-1.0% QoQ
 $-31.4M $538.0M
+1.3% YoY
 $58.7M
+3.0% YoY
 $464.6M
+9.3% YoY
 37th in tier
ROA 0.9%
+8.4% YoY+2.5% QoQ
 +0.2% 0.7%
+33.9% YoY
 1.0%
+49.4% YoY
 0.7%
+273.4% YoY
 69th in tier
NIM 2.9%
+0.9% YoY+2.5% QoQ
 -0.5% 3.4%
+8.6% YoY
 3.9%
+3.9% YoY
 3.7%
+5.0% YoY
 Bottom 17.2% in tier
Efficiency Ratio 76.7%
-3.3% YoY+0.2% QoQ
 -1.4% 78.1%
-3.4% YoY
 72.7%
-3.2% YoY
 79.1%
-3.3% YoY
 40th in tier
Delinquency Rate 0.4%
+26.7% YoY-10.5% QoQ
 -0.4 0.8%
-4.9% YoY
 1.3%
-29.4% YoY
 1.2%
-0.9% YoY
 28th in tier
Loan To Share 72.7%
-1.8% YoY+2.2% QoQ
 -8.3% 81.0%
-1.8% YoY
 60.8%
-6.8% YoY
 68.0%
-1.7% YoY
 26th in tier
AMR $19,317
+6.1% YoY-0.6% QoQ
 $-7K $26,482
+2.6% YoY
 $14,844
+2.4% YoY
 $19,418
+1.3% YoY
 Bottom 13.0% in tier
CD Concentration 22.6%
+9.2% YoY+2.3% QoQ
 -1.8% 24.4%
+4.2% YoY
 16.2%
+7.9% YoY
 19.6%
+6.2% YoY
 44th in tier
Indirect Auto % 33.9%
+0.3% YoY-1.0% QoQ
 +20.0% 14.0%
-5.8% YoY
 2.3%
-13.6% YoY
 7.9%
-2.9% YoY
 Top 13.6% in tier

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth
#204 of 1006 • Top 7.4% in tier

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

Why This Signature
AMR Growth (YoY): 6.06%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.3K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Wallet Share Momentum

growth
#367 of 1006 • Top 13.3% in tier

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

Why This Signature
AMR Growth (YoY): 6.06%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Organic Growth Engine

growth
#474 of 603 • Top 25.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.74%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.89%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 33.94%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Concerns (3)

Indirect Auto Dependency

risk
#65 of 525 • Bottom 4.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 9.51%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 33.94%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 1.74%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 281 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank improving

Growth-at-Risk

risk
#281 of 446 • Bottom 18.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 6.75%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.09% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 281 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | New qualifier

Credit Quality Pressure

risk
#508 of 736 • Bottom 20.5% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.09% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 281 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 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 169 peers in tier

Top Strengths (4 metrics)

15
Net Charge-Off Rate
risk
Value: 0.07%
Peer Avg: 0.51%
#15 of 169 Top 8.3% in 500M-750M tier
22
Asset Growth Rate
growth
Value: 9.51%
Peer Avg: 4.33%
#22 of 169 Top 12.4% in 500M-750M tier
29
Members Per Employee (MPE)
engagement
Value: 404.438
Peer Avg: 338.010
#29 of 169 Top 16.6% in 500M-750M tier
35
Deposit Growth Rate
growth
Value: 8.75%
Peer Avg: 5.25%
#35 of 169 Top 20.1% in 500M-750M tier

Top Weaknesses (7 metrics)

147
Average Member Relationship (AMR)
engagement
Value: $19,317
Peer Avg: $26,482
#147 of 169 Bottom 13.6% in 500M-750M tier
142
Indirect Auto Concentration (%)
balance_sheet
Value: 33.94%
Peer Avg: 16.19%
#142 of 169 Bottom 16.6% in 500M-750M tier
141
Loan-to-Member Ratio (LMR)
engagement
Value: $8,131
Peer Avg: $11,805
#141 of 169 Bottom 17.2% in 500M-750M tier
140
Net Interest Margin (NIM)
profitability
Value: 2.93%
Peer Avg: 3.43%
#140 of 169 Bottom 17.8% in 500M-750M tier
135
First Mortgage Concentration (%)
balance_sheet
Value: 46.07%
Peer Avg: 33.53%
#135 of 169 Bottom 20.7% in 500M-750M tier
131
Total Loans
balance_sheet
Value: $368.32M
Peer Avg: $435.95M
#131 of 169 Bottom 23.1% in 500M-750M tier
129
Fee Income Per Member
profitability
Value: $148.53
Peer Avg: $199.27
#129 of 169 Bottom 24.3% in 500M-750M tier