SHAKER HEIGHTS
Charter #3787 | OH
<100M
(2596 CUs)
Micro
($0-$500M)
121 <100M in OH
SHAKER HEIGHTS has 4 strengths but faces 13 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.67% below tier average
- - Efficiency ratio 18.18% above tier (higher cost structure)
- - Delinquency rate 13.40% above tier average
- - Member decline: -8.6% YoY
- - Total Delinquency Rate (60+ days): Bottom 1.5% in tier
- - Total Members: Bottom 2.6% in tier
- - Loan Growth Rate: Bottom 5.9% in tier
- - Fee Income Per Member: Bottom 6.0% in tier
- - Total Assets: Bottom 6.9% in tier
- - Total Deposits: Bottom 7.0% in tier
- - Total Loans: Bottom 7.4% in tier
- - Member Growth Rate: Bottom 7.6% in tier
- - Members Per Employee (MPE): Bottom 9.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
139
-8.6% YoY-1.4% QoQ
|
-2.5K |
2,625
-2.2% YoY
|
16,553
+5.8% YoY
|
33,089
+6.1% YoY
|
Bottom 2.6% in tier |
| Assets |
$1.2M
-4.1% YoY-2.0% QoQ
|
$-28.6M |
$29.9M
+1.1% YoY
|
$245.2M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
Bottom 6.8% in tier |
| Loans |
$474,105
-20.4% YoY-5.7% QoQ
|
$-15.3M |
$15.8M
-2.4% YoY
|
$170.6M
+8.7% YoY
|
$388.7M
+8.6% YoY
|
Bottom 7.4% in tier |
| Deposits |
$941,815
-5.4% YoY-2.7% QoQ
|
$-24.5M |
$25.5M
+0.4% YoY
|
$209.1M
+9.7% YoY
|
$464.6M
+9.3% YoY
|
Bottom 6.9% in tier |
| ROA |
0.0%
-75.7% YoY-15.5% QoQ
|
-0.7% |
0.7%
-731.4% YoY
|
0.5%
-7.3% YoY
|
0.7%
+273.4% YoY
|
Bottom 16.8% in tier |
| NIM |
3.1%
-16.1% YoY-4.0% QoQ
|
-0.8% |
3.9%
+3.8% YoY
|
3.7%
+3.3% YoY
|
3.7%
+5.0% YoY
|
Bottom 20.8% in tier |
| Efficiency Ratio |
99.6%
+1.1% YoY+0.1% QoQ
|
+18.2% |
81.4%
-2.4% YoY
|
83.9%
+3.6% YoY
|
79.1%
-3.3% YoY
|
Top 11.5% in tier |
| Delinquency Rate |
14.9%
-7.8% YoY+3.3% QoQ
|
+13.4 |
1.5%
-2.0% YoY
|
1.5%
+29.9% YoY
|
1.2%
-0.9% YoY
|
Top 1.5% in tier |
| Loan To Share |
50.3%
-15.9% YoY-3.1% QoQ
|
-10.9% |
61.2%
-3.0% YoY
|
63.8%
-2.4% YoY
|
68.0%
-1.7% YoY
|
33rd in tier |
| AMR |
$10,186
-2.7% YoY-2.3% QoQ
|
$-4K |
$14,627
-2.7% YoY
|
$17,099
+5.9% YoY
|
$19,418
+1.3% YoY
|
30th in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
19.2%
+8.0% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
11.2%
-0.8% 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 (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
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#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
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
336
Net Worth Ratio
risk
Value:
23.66%
Peer Avg: 16.43%
#336 of 2596
Top 12.9% in <100M tier
Top Weaknesses (14 metrics)
2557
Total Delinquency Rate (60+ days)
risk
Value:
14.90%
Peer Avg: 1.51%
#2557 of 2596
Bottom 1.5% in <100M tier
2529
Total Members
engagement
Value:
139
Peer Avg: 2,626
#2529 of 2596
Bottom 2.6% in <100M tier
2445
Loan Growth Rate
growth
Value:
-20.37%
Peer Avg: 59.01%
#2445 of 2596
Bottom 5.9% in <100M tier
2441
Fee Income Per Member
profitability
Value:
$0.38
Peer Avg: $182.96
#2441 of 2596
Bottom 6.0% in <100M tier
2419
Total Assets
balance_sheet
Value:
$1.24M
Peer Avg: $29.86M
#2419 of 2596
Bottom 6.9% in <100M tier
2416
Total Deposits
balance_sheet
Value:
$941,815
Peer Avg: $25.45M
#2416 of 2596
Bottom 7.0% in <100M tier
2405
Total Loans
balance_sheet
Value:
$474,105
Peer Avg: $15.77M
#2405 of 2596
Bottom 7.4% in <100M tier
2401
Member Growth Rate
growth
Value:
-8.55%
Peer Avg: 14.92%
#2401 of 2596
Bottom 7.6% in <100M tier
2362
Members Per Employee (MPE)
engagement
Value:
139.000
Peer Avg: 365.701
#2362 of 2596
Bottom 9.1% in <100M tier
2298
Efficiency Ratio
profitability
Value:
99.58%
Peer Avg: 81.39%
#2298 of 2596
Bottom 11.5% in <100M tier