INTERNAL REVENUE EMPLOYEES

Charter #3685 | NC

<100M (2596 CUs) Micro
32 <100M in NC

INTERNAL REVENUE EMPLOYEES has 5 strengths but faces 4 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.12% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Share Certificate Concentration (%): Top 0.0% in tier
  • + Net Worth Ratio: Top 7.0% in tier
  • + Net Charge-Off Rate: Top 9.4% in tier

Key Concerns

Areas that may need attention

  • - Member decline: -3.1% YoY
  • - Deposit Growth Rate: Bottom 2.6% in tier
  • - Asset Growth Rate: Bottom 4.4% in tier
  • - AMR Growth Rate: Bottom 5.1% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (NC) National Avg Tier Percentile
Members 727
-3.1% YoY+0.8% QoQ
 -1.9K 2,625
-2.2% YoY
 91,841
+6.6% YoY
 33,089
+6.1% YoY
 Bottom 20.7% in tier
Assets $12.5M
-11.2% YoY+1.0% QoQ
 $-17.4M $29.9M
+1.1% YoY
 $1.5B
+5.5% YoY
 $547.7M
+7.8% YoY
 37th in tier
Loans $3.0M
-14.8% YoY-1.8% QoQ
 $-12.8M $15.8M
-2.4% YoY
 $1.1B
+9.9% YoY
 $388.7M
+8.6% YoY
 Bottom 23.8% in tier
Deposits $8.9M
-15.8% YoY+1.3% QoQ
 $-16.6M $25.5M
+0.4% YoY
 $1.3B
+12.1% YoY
 $464.6M
+9.3% YoY
 34th in tier
ROA 0.8%
+34.7% YoY-6.0% QoQ
 +0.1% 0.7%
-731.4% YoY
 0.4%
-19.0% YoY
 0.7%
+273.4% YoY
 52nd in tier
NIM 2.9%
+17.8% YoY-0.5% QoQ
 -1.0% 3.9%
+3.8% YoY
 4.1%
+4.0% YoY
 3.7%
+5.0% YoY
 Bottom 15.2% in tier
Efficiency Ratio 72.6%
+0.5% YoY+2.2% QoQ
 -8.8% 81.4%
-2.4% YoY
 81.5%
-1.2% YoY
 79.1%
-3.3% YoY
 36th in tier
Delinquency Rate 0.0%
-78.4% QoQ
 -1.5 1.5%
-2.0% YoY
 1.5%
+2.4% YoY
 1.2%
-0.9% YoY
 Bottom 15.5% in tier
Loan To Share 33.6%
+1.1% YoY-3.1% QoQ
 -27.6% 61.2%
-3.0% YoY
 76.3%
+1.1% YoY
 68.0%
-1.7% YoY
 Bottom 12.9% in tier
AMR $16,295
-12.9% YoY-0.4% QoQ
 +$2K $14,627
-2.7% YoY
 $17,441
+4.0% YoY
 $19,418
+1.3% YoY
 64th in tier
CD Concentration 0.0% -24.4% 24.4%
+4.2% YoY
 20.6%
+2.2% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 5.3%
-2.9% 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 (5 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 2.84%
#1 of 2596 Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 15.37%
#1 of 2596 Top 0.0% in <100M tier
183
Net Worth Ratio
risk
Value: 28.51%
Peer Avg: 16.43%
#183 of 2596 Top 7.0% in <100M tier
246
Net Charge-Off Rate
risk
Value: 0.00%
Peer Avg: 0.57%
#246 of 2596 Top 9.4% in <100M tier
403
Total Delinquency Rate (60+ days)
risk
Value: 0.03%
Peer Avg: 1.51%
#403 of 2596 Top 15.5% in <100M tier

Top Weaknesses (11 metrics)

2529
Deposit Growth Rate
growth
Value: -15.77%
Peer Avg: 16.80%
#2529 of 2596 Bottom 2.6% in <100M tier
2484
Asset Growth Rate
growth
Value: -11.16%
Peer Avg: 1.82%
#2484 of 2596 Bottom 4.4% in <100M tier
2465
AMR Growth Rate
growth
Value: -12.87%
Peer Avg: 4.67%
#2465 of 2596 Bottom 5.1% in <100M tier
2297
Loan Growth Rate
growth
Value: -14.84%
Peer Avg: 59.01%
#2297 of 2596 Bottom 11.6% in <100M tier
2258
Loan-to-Share Ratio
balance_sheet
Value: 33.64%
Peer Avg: 61.23%
#2258 of 2596 Bottom 13.1% in <100M tier
2201
Net Interest Margin (NIM)
profitability
Value: 2.89%
Peer Avg: 3.93%
#2201 of 2596 Bottom 15.3% in <100M tier
2190
Fee Income Per Member
profitability
Value: $6.09
Peer Avg: $182.96
#2190 of 2596 Bottom 15.7% in <100M tier
2058
Total Members
engagement
Value: 727
Peer Avg: 2,626
#2058 of 2596 Bottom 20.8% in <100M tier
2056
First Mortgage Concentration (%)
balance_sheet
Value: 29.68%
Peer Avg: 14.49%
#2056 of 2596 Bottom 20.8% in <100M tier
1978
Total Loans
balance_sheet
Value: $2.98M
Peer Avg: $15.77M
#1978 of 2596 Bottom 23.8% in <100M tier