THRIVE

Charter #3631 | IN

100M-500M (1077 CUs) Micro
19 100M-500M in IN

THRIVE has 10 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 0.8% in tier
  • + Organic Growth Engine: Top 1.3% in tier
  • + Organic Growth Leader: Top 6.5% in tier
  • + Wallet Share Momentum: Top 25.3% in tier
  • + Relationship Depth Leader: Top 30.7% in tier
  • + ROA 0.84% above tier average
  • + Net Interest Margin 0.21% above tier average
  • + Fee Income Per Member: Top 4.4% in tier
  • + Loan Growth Rate: Top 8.9% in tier
  • + Member Growth Rate: Top 9.7% in tier

Key Concerns

Areas that may need attention

  • - Growth-at-Risk: Bottom 1.1% in tier
  • - Credit Quality Pressure: Bottom 3.9% in tier
  • - Delinquency rate 0.44% above tier average
  • - Total Assets: Bottom 4.5% in tier
  • - Total Deposits: Bottom 5.8% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Members 8,150
+4.8% YoY+0.5% QoQ
 -7.5K 15,628
-3.4% YoY
 22,637
+3.1% YoY
 33,089
+6.1% YoY
 Bottom 16.9% in tier
Assets $106.5M
+5.7% YoY+2.6% QoQ
 $-124.8M $231.3M
-0.0% YoY
 $383.9M
+8.8% YoY
 $547.7M
+7.8% YoY
 Bottom 4.4% in tier
Loans $69.1M
+13.0% YoY+3.4% QoQ
 $-78.7M $147.8M
-1.4% YoY
 $276.9M
+7.4% YoY
 $388.7M
+8.6% YoY
 Bottom 14.8% in tier
Deposits $94.0M
+4.8% YoY+2.4% QoQ
 $-106.3M $200.3M
-0.0% YoY
 $323.0M
+10.5% YoY
 $464.6M
+9.3% YoY
 Bottom 5.7% in tier
ROA 1.6%
+71.9% YoY+0.7% QoQ
 +0.8% 0.8%
+15.5% YoY
 0.9%
+24.5% YoY
 0.7%
+273.4% YoY
 Top 8.8% in tier
NIM 3.8%
+9.4% YoY+2.6% QoQ
 +0.2% 3.6%
+6.9% YoY
 3.8%
+8.0% YoY
 3.7%
+5.0% YoY
 62nd in tier
Efficiency Ratio 69.8%
-10.0% YoY+0.4% QoQ
 -7.5% 77.3%
-3.0% YoY
 77.7%
-3.5% YoY
 79.1%
-3.3% YoY
 25th in tier
Delinquency Rate 1.3%
+92.9% YoY+60.3% QoQ
 +0.4 0.9%
+7.6% YoY
 1.3%
+19.3% YoY
 1.2%
-0.9% YoY
 Top 19.5% in tier
Loan To Share 73.5%
+7.8% YoY+1.0% QoQ
 +0.8% 72.7%
-1.5% YoY
 69.6%
-2.1% YoY
 68.0%
-1.7% YoY
 48th in tier
AMR $20,004
+3.1% YoY+2.3% QoQ
 $-4K $24,363
+2.9% YoY
 $18,326
+4.3% YoY
 $19,418
+1.3% YoY
 35th in tier
CD Concentration 30.0%
-4.2% YoY+1.2% QoQ
 +5.6% 24.4%
+4.2% YoY
 19.0%
+9.9% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 2.6%
+18.1% YoY-6.3% QoQ
 -11.4% 14.0%
-5.8% YoY
 11.0%
-3.5% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (5)

Emerging Performer

growth
#15 of 627 • Top 0.8% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 1.63%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): 4.84%
(Tier: 0.88%, National: 9.37%)
better than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank improving

Organic Growth Engine

growth
#24 of 603 • Top 1.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 4.84%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 1.63%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 2.56%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Organic Growth Leader

growth
#87 of 430 • Top 6.5% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 4.84%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 1077 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | New qualifier

Wallet Share Momentum

growth
#698 of 1006 • Top 25.3% in tier

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

Why This Signature
AMR Growth (YoY): 3.10%
(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 | Rank worsening

Relationship Depth Leader

growth
#848 of 1006 • Top 30.7% in tier

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

Why This Signature
AMR Growth (YoY): 3.10%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $2.1K
(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 | Rank worsening

Concerns (2)

Growth-at-Risk

risk
#17 of 446 • Bottom 1.1% in tier

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

Why This Signature
Loan Growth (YoY): 12.96%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.62% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 1077 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | New qualifier

Credit Quality Pressure

risk
#98 of 736 • Bottom 3.9% in tier

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

Why This Signature
Delinquency Change (YoY): 0.62% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 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 1077 peers in tier

Top Strengths (4 metrics)

48
Fee Income Per Member
profitability
Value: $311.41
Peer Avg: $174.31
#48 of 1077 Top 4.4% in 100M-500M tier
95
Return on Assets (ROA)
profitability
Value: 1.63%
Peer Avg: 0.79%
#95 of 1077 Top 8.7% in 100M-500M tier
97
Loan Growth Rate
growth
Value: 12.96%
Peer Avg: 3.45%
#97 of 1077 Top 8.9% in 100M-500M tier
106
Member Growth Rate
growth
Value: 4.84%
Peer Avg: 0.72%
#106 of 1077 Top 9.7% in 100M-500M tier

Top Weaknesses (6 metrics)

1030
Total Assets
balance_sheet
Value: $106.48M
Peer Avg: $231.30M
#1030 of 1077 Bottom 4.5% in 100M-500M tier
1016
Total Deposits
balance_sheet
Value: $93.97M
Peer Avg: $200.29M
#1016 of 1077 Bottom 5.8% in 100M-500M tier
918
Total Loans
balance_sheet
Value: $69.06M
Peer Avg: $147.80M
#918 of 1077 Bottom 14.9% in 100M-500M tier
895
Total Members
engagement
Value: 8,150
Peer Avg: 15,628
#895 of 1077 Bottom 17.0% in 100M-500M tier
868
Total Delinquency Rate (60+ days)
risk
Value: 1.30%
Peer Avg: 0.86%
#868 of 1077 Bottom 19.5% in 100M-500M tier
826
Members Per Employee (MPE)
engagement
Value: 262.903
Peer Avg: 332.881
#826 of 1077 Bottom 23.4% in 100M-500M tier