FRESNO GRANGERS
Charter #4163 | CA
<100M
(2596 CUs)
Micro
($0-$500M)
92 <100M in CA
FRESNO GRANGERS has 8 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.63% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Average Member Relationship (AMR): Top 0.2% in tier
- + Loan-to-Member Ratio (LMR): Top 0.3% in tier
- + Efficiency Ratio: Top 1.6% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - First Mortgage Concentration (%): Bottom 2.4% in tier
- - Fee Income Per Member: Bottom 3.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
594
-1.7% YoY-0.2% QoQ
|
-2.0K |
2,625
-2.2% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
Bottom 16.1% in tier |
| Assets |
$26.5M
-1.0% YoY-4.0% QoQ
|
$-3.4M |
$29.9M
+1.1% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
56th in tier |
| Loans |
$15.6M
-0.4% YoY+0.1% QoQ
|
$-185K |
$15.8M
-2.4% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
62nd in tier |
| Deposits |
$20.0M
-2.4% YoY-5.9% QoQ
|
$-5.4M |
$25.5M
+0.4% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
52nd in tier |
| ROA |
2.3%
-10.5% YoY+4.4% QoQ
|
+1.6% |
0.7%
-731.4% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
Top 5.4% in tier |
| NIM |
3.6%
-4.9% YoY+1.7% QoQ
|
-0.4% |
3.9%
+3.8% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
37th in tier |
| Efficiency Ratio |
34.8%
+13.5% YoY-4.5% QoQ
|
-46.6% |
81.4%
-2.4% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 1.6% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
77.7%
+2.0% YoY+6.4% QoQ
|
+16.5% |
61.2%
-3.0% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
74th in tier |
| AMR |
$59,988
+0.1% YoY-3.2% QoQ
|
+$45K |
$14,627
-2.7% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
Top 0.2% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
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 (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 (9 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: 1.51%
#1 of 2596
Top 0.0% in <100M tier
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
6
Average Member Relationship (AMR)
engagement
Value:
$59,988
Peer Avg: $14,627
#6 of 2596
Top 0.2% in <100M tier
8
Loan-to-Member Ratio (LMR)
engagement
Value:
$26,234
Peer Avg: $5,488
#8 of 2596
Top 0.3% in <100M tier
43
Efficiency Ratio
profitability
Value:
34.78%
Peer Avg: 81.39%
#43 of 2596
Top 1.6% in <100M tier
139
Return on Assets (ROA)
profitability
Value:
2.32%
Peer Avg: 0.68%
#139 of 2596
Top 5.3% 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
312
Net Worth Ratio
risk
Value:
24.31%
Peer Avg: 16.43%
#312 of 2596
Top 12.0% in <100M tier
Top Weaknesses (3 metrics)
2535
First Mortgage Concentration (%)
balance_sheet
Value:
68.13%
Peer Avg: 14.49%
#2535 of 2596
Bottom 2.4% in <100M tier
2495
Fee Income Per Member
profitability
Value:
$0.00
Peer Avg: $182.96
#2495 of 2596
Bottom 3.9% in <100M tier
2177
Total Members
engagement
Value:
594
Peer Avg: 2,626
#2177 of 2596
Bottom 16.2% in <100M tier