KINECTA

Charter #4142 | CA

5B-7B (34 CUs) Large (64 CUs)
7 5B-7B in CA

KINECTA has 8 strengths but faces 12 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 0.0% in tier
  • + Wallet Share Momentum: Top 2.6% in tier
  • + Emerging Performer: Top 34.5% in tier
  • + Total Loans: Top 2.9% in tier
  • + AMR Growth Rate: Top 5.9% in tier
  • + Loan-to-Member Ratio (LMR): Top 8.8% in tier
  • + Total Assets: Top 8.8% in tier
  • + Total Deposits: Top 8.8% in tier

Key Concerns

Areas that may need attention

  • - Membership Headwinds: Bottom 4.3% in tier
  • - Institutional Decline: Bottom 11.1% in tier
  • - Stagnation Risk: Bottom 13.0% in tier
  • - Liquidity Strain: Bottom 31.8% in tier
  • - ROA 0.44% below tier average
  • - Efficiency ratio 9.82% above tier (higher cost structure)
  • - Member decline: -6.6% YoY
  • - Member Growth Rate: Bottom 2.9% in tier
  • - Asset Growth Rate: Bottom 2.9% in tier
  • - Loan Growth Rate: Bottom 2.9% in tier
  • - Share Certificate Concentration (%): Bottom 5.9% in tier
  • - Net Worth Ratio: Bottom 8.8% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 235,136
-6.6% YoY-1.6% QoQ
 -54.6K 289,724
-2.8% YoY
 59,606
+5.7% YoY
 33,089
+6.1% YoY
 Bottom 17.6% in tier
Assets $6.5B
-3.4% YoY+1.2% QoQ
 +$723.5M $5.8B
+0.2% YoY
 $1.2B
+6.2% YoY
 $547.7M
+7.8% YoY
 Top 11.8% in tier
Loans $5.4B
-6.5% YoY-1.8% QoQ
 +$1.3B $4.1B
-3.1% YoY
 $845.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 Top 5.9% in tier
Deposits $5.6B
+16.7% YoY+4.5% QoQ
 +$738.8M $4.9B
+2.2% YoY
 $1.0B
+8.8% YoY
 $464.6M
+9.3% YoY
 Top 11.8% in tier
ROA 0.4%
-429.3% YoY+17.3% QoQ
 -0.4% 0.8%
+15.5% YoY
 0.6%
+30.0% YoY
 0.7%
+273.4% YoY
 Bottom 5.9% in tier
NIM 2.5%
+8.1% YoY+0.4% QoQ
 -0.4% 2.9%
+3.9% YoY
 3.3%
+6.5% YoY
 3.7%
+5.0% YoY
 26th in tier
Efficiency Ratio 77.9%
-11.1% YoY-1.3% QoQ
 +9.8% 68.1%
-1.7% YoY
 79.3%
-6.2% YoY
 79.1%
-3.3% YoY
 Top 14.7% in tier
Delinquency Rate 0.4%
-0.2% YoY+20.9% QoQ
 -0.2 0.6%
-2.2% YoY
 0.7%
-38.7% YoY
 1.2%
-0.9% YoY
 35th in tier
Loan To Share 95.3%
-19.8% YoY-6.0% QoQ
 +11.6% 83.6%
-5.7% YoY
 68.8%
-1.5% YoY
 68.0%
-1.7% YoY
 Top 23.5% in tier
AMR $46,728
+11.5% YoY+3.0% QoQ
 +$12K $34,398
+4.0% YoY
 $28,514
+2.8% YoY
 $19,418
+1.3% YoY
 Top 14.7% in tier
CD Concentration 50.5%
+26.3% YoY+6.1% QoQ
 +21.6% 28.9%
-1.3% YoY
 21.7%
+4.2% YoY
 19.6%
+6.2% YoY
 Top 3.1% in tier
Indirect Auto % 5.7%
-32.0% YoY-10.1% QoQ
 -10.9% 16.6%
-10.3% YoY
 9.5%
-6.9% YoY
 7.9%
-2.9% YoY
 Bottom 25.0% in tier

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth
#1 of 46 • Top 0.0% in tier

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

Why This Signature
AMR Growth (YoY): 11.50%
(Tier: 2.82%, National: 4.19%)
better than tier avg
Share Draft per Member: $5.0K
(Tier: $3.2K, National: $2.0K)
better than tier avg
46 of 64 Large CUs have this signature | 1330 nationally
↑ Growing +18 CUs YoY | New qualifier

Wallet Share Momentum

growth
#4 of 46 • Top 2.6% in tier

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

Why This Signature
AMR Growth (YoY): 11.50%
(Tier: 2.82%, National: 4.19%)
better than tier avg
46 of 64 Large CUs have this signature | 1330 nationally
↑ Growing +18 CUs YoY | New qualifier

Emerging Performer

growth
#31 of 31 • Top 34.5% in tier

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

Why This Signature
Return on Assets: 0.36%
(Tier: 0.91%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): -6.63%
(Tier: 3.07%, National: 9.37%)
but worse than tier avg
31 of 64 Large CUs have this signature | 852 nationally
→ Stable (27→31 CUs) +4 CUs YoY | New qualifier

Concerns (4)

Membership Headwinds

decline
#2 of 10 • Bottom 4.3% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -6.63%
(Tier: 3.07%, National: 9.37%)
worse than tier avg
10 of 64 Large CUs have this signature | 648 nationally
↑ Growing +7 CUs YoY

Institutional Decline

decline
#2 of 5 • Bottom 11.1% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $6.52B
(Tier: $5.79B, National: $547.69M)
but better than tier avg
Member Growth (YoY): -6.63%
(Tier: 3.07%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -6.46%
(Tier: 4.99%, National: 36.38%)
worse than tier avg
5 of 64 Large CUs have this signature | 293 nationally
→ Stable (1→5 CUs) +4 CUs YoY

Stagnation Risk

risk
#4 of 10 • Bottom 13.0% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.36%
(Tier: 0.91%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -6.63%
(Tier: 3.07%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $46.7K
(Tier: $34.1K, National: $19.4K)
but better than tier avg
CD Concentration: 50.50%
(Tier: 28.87%, National: 19.60%)
worse than tier avg
10 of 64 Large CUs have this signature | 648 nationally
↑ Growing +7 CUs YoY

Liquidity Strain

risk
#28 of 32 • Bottom 31.8% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 95.27%
(Tier: 84.48%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): -6.46%
(Tier: 4.99%, National: 36.38%)
worse than tier avg
32 of 64 Large CUs have this signature | 484 nationally
→ Stable (27→32 CUs) +5 CUs YoY | Rank worsening

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 34 peers in tier

Top Strengths (8 metrics)

2
Total Loans
balance_sheet
Value: $5.36B
Peer Avg: $4.08B
#2 of 34 Top 2.9% in 5B-7B tier
3
AMR Growth Rate
growth
Value: 11.50%
Peer Avg: 3.75%
#3 of 34 Top 5.9% in 5B-7B tier
4
Loan-to-Member Ratio (LMR)
engagement
Value: $22,798
Peer Avg: $15,308
#4 of 34 Top 8.8% in 5B-7B tier
4
Total Assets
balance_sheet
Value: $6.52B
Peer Avg: $5.79B
#4 of 34 Top 8.8% in 5B-7B tier
4
Total Deposits
balance_sheet
Value: $5.63B
Peer Avg: $4.89B
#4 of 34 Top 8.8% in 5B-7B tier
5
Deposit Growth Rate
growth
Value: 16.65%
Peer Avg: 8.13%
#5 of 34 Top 11.8% in 5B-7B tier
5
Average Member Relationship (AMR)
engagement
Value: $46,728
Peer Avg: $34,398
#5 of 34 Top 11.8% in 5B-7B tier
8
Loan-to-Share Ratio
balance_sheet
Value: 95.27%
Peer Avg: 83.64%
#8 of 34 Top 20.6% in 5B-7B tier

Top Weaknesses (10 metrics)

34
Member Growth Rate
growth
Value: -6.63%
Peer Avg: 3.26%
#34 of 34 Bottom 2.9% in 5B-7B tier
34
Asset Growth Rate
growth
Value: -3.42%
Peer Avg: 6.10%
#34 of 34 Bottom 2.9% in 5B-7B tier
34
Loan Growth Rate
growth
Value: -6.46%
Peer Avg: 5.95%
#34 of 34 Bottom 2.9% in 5B-7B tier
33
Share Certificate Concentration (%)
balance_sheet
Value: 50.50%
Peer Avg: 30.59%
#33 of 34 Bottom 5.9% in 5B-7B tier
32
Return on Assets (ROA)
profitability
Value: 0.36%
Peer Avg: 0.80%
#32 of 34 Bottom 8.8% in 5B-7B tier
32
Net Worth Ratio
risk
Value: 8.85%
Peer Avg: 10.96%
#32 of 34 Bottom 8.8% in 5B-7B tier
31
First Mortgage Concentration (%)
balance_sheet
Value: 58.69%
Peer Avg: 37.88%
#31 of 34 Bottom 11.8% in 5B-7B tier
30
Efficiency Ratio
profitability
Value: 77.95%
Peer Avg: 68.13%
#30 of 34 Bottom 14.7% in 5B-7B tier
28
Members Per Employee (MPE)
engagement
Value: 345.788
Peer Avg: 430.688
#28 of 34 Bottom 20.6% in 5B-7B tier
28
Total Members
engagement
Value: 235,136
Peer Avg: 289,725
#28 of 34 Bottom 20.6% in 5B-7B tier