REGIONAL MEMBERS
Charter #376 | GA
<100M
(2596 CUs)
Micro
($0-$500M)
43 <100M in GA
REGIONAL MEMBERS has 5 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.37% above tier average
- + Net Interest Margin 1.00% above tier average
- + Strong member growth: 9.8% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 3.4% in tier
Key Concerns
Areas that may need attention
- - AMR Growth Rate: Bottom 7.0% in tier
- - Share Certificate Concentration (%): Bottom 7.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,282
+9.8% YoY-0.3% QoQ
|
-1.3K |
2,625
-2.2% YoY
|
30,529
+3.7% YoY
|
33,089
+6.1% YoY
|
35th in tier |
| Assets |
$9.1M
-0.7% YoY-2.5% QoQ
|
$-20.8M |
$29.9M
+1.1% YoY
|
$489.5M
+5.8% YoY
|
$547.7M
+7.8% YoY
|
30th in tier |
| Loans |
$6.0M
-2.0% YoY-0.2% QoQ
|
$-9.7M |
$15.8M
-2.4% YoY
|
$335.0M
+9.2% YoY
|
$388.7M
+8.6% YoY
|
38th in tier |
| Deposits |
$7.7M
-2.0% YoY-3.3% QoQ
|
$-17.7M |
$25.5M
+0.4% YoY
|
$419.7M
+4.9% YoY
|
$464.6M
+9.3% YoY
|
31st in tier |
| ROA |
1.0%
-41.3% YoY+57.1% QoQ
|
+0.4% |
0.7%
-731.4% YoY
|
1.1%
+41.8% YoY
|
0.7%
+273.4% YoY
|
64th in tier |
| NIM |
4.9%
+4.8% YoY+7.3% QoQ
|
+1.0% |
3.9%
+3.8% YoY
|
4.2%
+4.4% YoY
|
3.7%
+5.0% YoY
|
Top 15.6% in tier |
| Efficiency Ratio |
67.4%
-2.1% YoY-3.8% QoQ
|
-14.0% |
81.4%
-2.4% YoY
|
76.7%
+1.1% YoY
|
79.1%
-3.3% YoY
|
26th in tier |
| Delinquency Rate |
1.0%
-19.1% YoY-28.4% QoQ
|
-0.5 |
1.5%
-2.0% YoY
|
1.3%
+2.5% YoY
|
1.2%
-0.9% YoY
|
62nd in tier |
| Loan To Share |
78.4%
-0.1% YoY+3.2% QoQ
|
+17.1% |
61.2%
-3.0% YoY
|
72.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
Top 24.9% in tier |
| AMR |
$10,724
-10.7% YoY-1.7% QoQ
|
$-4K |
$14,627
-2.7% YoY
|
$17,296
+4.1% YoY
|
$19,418
+1.3% YoY
|
33rd in tier |
| CD Concentration |
40.3%
+12.8% YoY+10.0% QoQ
|
+15.9% |
24.4%
+4.2% YoY
|
19.9%
+4.7% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
4.6%
+4.3% 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)
Top Strengths (4 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
88
Member Growth Rate
growth
Value:
9.76%
Peer Avg: 14.92%
#88 of 2596
Top 3.4% in <100M tier
406
Net Interest Margin (NIM)
profitability
Value:
4.93%
Peer Avg: 3.93%
#406 of 2596
Top 15.6% in <100M tier
642
Loan-to-Share Ratio
balance_sheet
Value:
78.35%
Peer Avg: 61.23%
#642 of 2596
Top 24.7% in <100M tier
Top Weaknesses (3 metrics)
2416
AMR Growth Rate
growth
Value:
-10.70%
Peer Avg: 4.67%
#2416 of 2596
Bottom 7.0% in <100M tier
2416
Share Certificate Concentration (%)
balance_sheet
Value:
40.35%
Peer Avg: 15.37%
#2416 of 2596
Bottom 7.0% in <100M tier
2249
Net Charge-Off Rate
risk
Value:
1.04%
Peer Avg: 0.57%
#2249 of 2596
Bottom 13.4% in <100M tier