GAIN
Charter #3943 | CA
100M-500M
(1077 CUs)
Micro
($0-$500M)
63 100M-500M in CA
GAIN has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Deposits: Top 3.6% in tier
- + Total Assets: Top 6.8% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 0.2% in tier
- - Deposit Outflow: Bottom 8.7% in tier
- - Shrinking Wallet Share: Bottom 11.7% in tier
- - Wealth Migration Risk: Bottom 17.3% in tier
- - ROA 0.72% below tier average
- - Efficiency ratio 17.81% above tier (higher cost structure)
- - Net Interest Margin (NIM): Bottom 5.5% in tier
- - AMR Growth Rate: Bottom 8.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
20,491
-0.4% YoY+0.1% QoQ
|
+4.9K |
15,628
-3.4% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
Top 23.2% in tier |
| Assets |
$428.9M
-2.0% YoY-2.2% QoQ
|
+$197.6M |
$231.3M
-0.0% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
Top 6.9% in tier |
| Loans |
$236.1M
-5.8% YoY+0.2% QoQ
|
+$88.3M |
$147.8M
-1.4% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Top 16.7% in tier |
| Deposits |
$399.3M
-1.7% YoY-1.5% QoQ
|
+$199.0M |
$200.3M
-0.0% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
Top 3.7% in tier |
| ROA |
0.1%
-34.7% YoY-25.1% QoQ
|
-0.7% |
0.8%
+15.5% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 8.6% in tier |
| NIM |
2.4%
-1.8% YoY+3.0% QoQ
|
-1.2% |
3.6%
+6.9% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
Bottom 5.4% in tier |
| Efficiency Ratio |
95.1%
+0.3% YoY-0.3% QoQ
|
+17.8% |
77.3%
-3.0% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Top 4.9% in tier |
| Delinquency Rate |
0.3%
-7.2% YoY-8.7% QoQ
|
-0.5 |
0.9%
+7.6% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
Bottom 20.7% in tier |
| Loan To Share |
59.1%
-4.2% YoY+1.7% QoQ
|
-13.6% |
72.7%
-1.5% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
Bottom 20.7% in tier |
| AMR |
$31,011
-2.9% YoY-1.0% QoQ
|
+$7K |
$24,363
+2.9% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
Top 14.1% in tier |
| CD Concentration |
23.6%
+3.6% YoY+1.0% QoQ
|
-0.8% |
24.4%
+4.2% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % |
0.9%
+1575.7% YoY+191.0% QoQ
|
-13.0% |
14.0%
-5.8% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Efficiency Drag
risk
#4 of 521 • Bottom 0.2% in tier
High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Why This Signature
Efficiency Ratio:
95.09%
(Tier:
77.15%, National:
79.10%)
ROA Change (YoY):
-0.03% points
(Tier:
0.11% points, National:
0.05% points)
Member Growth (YoY):
-0.40%
(Tier:
0.88%, National:
9.37%)
521 of 1077 Community CUs have this signature
| 624 nationally
↓ Shrinking
-113 CUs YoY
|
Rank improving
Deposit Outflow
decline
#52 of 114 • Bottom 8.7% in tier
Members staying but deposits leaving. They're losing to higher-yield competitors - rate pressure is real.
Why This Signature
Deposit Growth (YoY):
-1.68%
(Tier:
4.79%, National:
12.00%)
Total Assets:
$428.88M
(Tier: $231.30M, National: $547.69M)
114 of 1077 Community CUs have this signature
| 143 nationally
↓ Shrinking
-169 CUs YoY
Shrinking Wallet Share
decline
#117 of 244 • Bottom 11.7% in tier
Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Why This Signature
AMR Growth (YoY):
-2.88%
(Tier:
3.68%, National:
4.19%)
244 of 1077 Community CUs have this signature
| 346 nationally
↓ Shrinking
-221 CUs YoY
|
Rank improving
Wealth Migration Risk
decline
#20 of 28 • Bottom 17.3% in tier
High-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.
Why This Signature
Avg Member Relationship:
$31.0K
(Tier: $25.0K, National: $19.4K)
AMR Growth (YoY):
-2.88%
(Tier:
3.68%, National:
4.19%)
Total Assets:
$428.88M
(Tier: $231.30M, National: $547.69M)
28 of 1077 Community CUs have this signature
| 39 nationally
↓ Shrinking
-32 CUs YoY
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 (6 metrics)
40
Total Deposits
balance_sheet
Value:
$399.33M
Peer Avg: $200.29M
#40 of 1077
Top 3.6% in 100M-500M tier
74
Total Assets
balance_sheet
Value:
$428.88M
Peer Avg: $231.30M
#74 of 1077
Top 6.8% in 100M-500M tier
152
Average Member Relationship (AMR)
engagement
Value:
$31,011
Peer Avg: $24,363
#152 of 1077
Top 14.0% in 100M-500M tier
180
Total Loans
balance_sheet
Value:
$236.12M
Peer Avg: $147.80M
#180 of 1077
Top 16.6% in 100M-500M tier
224
Total Delinquency Rate (60+ days)
risk
Value:
0.33%
Peer Avg: 0.86%
#224 of 1077
Top 20.7% in 100M-500M tier
250
Total Members
engagement
Value:
20,491
Peer Avg: 15,628
#250 of 1077
Top 23.1% in 100M-500M tier
Top Weaknesses (10 metrics)
1025
Efficiency Ratio
profitability
Value:
95.09%
Peer Avg: 77.28%
#1025 of 1077
Bottom 4.9% in 100M-500M tier
1019
Net Interest Margin (NIM)
profitability
Value:
2.41%
Peer Avg: 3.58%
#1019 of 1077
Bottom 5.5% in 100M-500M tier
988
AMR Growth Rate
growth
Value:
-2.88%
Peer Avg: 3.64%
#988 of 1077
Bottom 8.4% in 100M-500M tier
984
Return on Assets (ROA)
profitability
Value:
0.06%
Peer Avg: 0.79%
#984 of 1077
Bottom 8.7% in 100M-500M tier
970
Asset Growth Rate
growth
Value:
-1.99%
Peer Avg: 4.70%
#970 of 1077
Bottom 10.0% in 100M-500M tier
968
Loan Growth Rate
growth
Value:
-5.84%
Peer Avg: 3.45%
#968 of 1077
Bottom 10.2% in 100M-500M tier
967
Deposit Growth Rate
growth
Value:
-1.68%
Peer Avg: 4.69%
#967 of 1077
Bottom 10.3% in 100M-500M tier
967
Net Worth Ratio
risk
Value:
8.76%
Peer Avg: 12.15%
#967 of 1077
Bottom 10.3% in 100M-500M tier
965
First Mortgage Concentration (%)
balance_sheet
Value:
53.50%
Peer Avg: 30.43%
#965 of 1077
Bottom 10.5% in 100M-500M tier
854
Loan-to-Share Ratio
balance_sheet
Value:
59.13%
Peer Avg: 72.70%
#854 of 1077
Bottom 20.8% in 100M-500M tier