FOURLEAF

Charter #4735 | NY

10B+ (21 CUs) Titans (21 CUs)
2 10B+ in NY

FOURLEAF has 7 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 10.0% in tier
  • + Organic Growth Leader: Top 11.4% in tier
  • + Relationship Depth Leader: Top 18.8% in tier
  • + Wallet Share Momentum: Top 18.8% in tier
  • + Organic Growth Engine: Top 20.4% in tier
  • + Strong member growth: 5.9% YoY
  • + Average Member Relationship (AMR): Top 9.5% in tier

Key Concerns

Areas that may need attention

  • - Growth-at-Risk: Bottom 0.0% in tier
  • - Credit Quality Pressure: Bottom 3.9% in tier
  • - ROA 0.27% below tier average
  • - Efficiency ratio 8.42% above tier (higher cost structure)
  • - Delinquency rate 0.87% above tier average

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Members 512,282
+5.9% YoY+2.0% QoQ
 -1.3M 1,822,416
+4.1% YoY
 25,964
+5.4% YoY
 33,089
+6.1% YoY
 Bottom 9.5% in tier
Assets $14.1B
+5.6% YoY+1.3% QoQ
 $-14.7B $28.7B
+4.2% YoY
 $471.3M
+6.4% YoY
 $547.7M
+7.8% YoY
 29th in tier
Loans $10.9B
+10.3% YoY+2.4% QoQ
 $-10.2B $21.1B
+5.8% YoY
 $316.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 Bottom 23.8% in tier
Deposits $12.5B
+10.4% YoY+2.6% QoQ
 $-11.9B $24.4B
+7.2% YoY
 $400.0M
+7.6% YoY
 $464.6M
+9.3% YoY
 38th in tier
ROA 0.5%
+5.3% YoY+33.8% QoQ
 -0.3% 0.8%
+17.7% YoY
 0.9%
+294.0% YoY
 0.7%
+273.4% YoY
 Bottom 19.0% in tier
NIM 2.7%
+19.4% YoY+2.2% QoQ
 -0.4% 3.1%
+10.6% YoY
 3.6%
+5.0% YoY
 3.7%
+5.0% YoY
 Bottom 23.8% in tier
Efficiency Ratio 72.7%
-1.9% YoY-4.7% QoQ
 +8.4% 64.3%
-4.3% YoY
 80.1%
-6.2% YoY
 79.1%
-3.3% YoY
 71st in tier
Delinquency Rate 2.0%
+18.2% YoY+27.7% QoQ
 +0.9 1.2%
+9.7% YoY
 1.7%
-8.3% YoY
 1.2%
-0.9% YoY
 Top 14.3% in tier
Loan To Share 86.9%
-0.1% YoY-0.3% QoQ
 -2.9% 89.8%
-0.3% YoY
 61.5%
-2.3% YoY
 68.0%
-1.7% YoY
 38th in tier
AMR $45,700
+4.2% YoY+0.5% QoQ
 +$15K $31,184
+7.8% YoY
 $19,040
-21.7% YoY
 $19,418
+1.3% YoY
 Top 14.3% in tier
CD Concentration 38.5%
-7.7% YoY-9.7% QoQ
 +6.6% 31.9%
+2.0% YoY
 15.9%
+8.4% YoY
 19.6%
+6.2% YoY
 Top 19.0% in tier
Indirect Auto % 8.9%
+136.9% YoY+15.5% QoQ
 -5.4% 14.2%
-8.9% YoY
 2.6%
-3.7% YoY
 7.9%
-2.9% YoY
 33rd in tier

Signature Analysis

Strengths (5)

Emerging Performer

growth
#4 of 10 • Top 10.0% in tier

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

Why This Signature
Return on Assets: 0.49%
(Tier: 0.76%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): 5.86%
(Tier: 3.59%, National: 9.37%)
better than tier avg
10 of 21 Titans CUs have this signature | 852 nationally
→ Stable (10→10 CUs)

Organic Growth Leader

growth
#5 of 12 • Top 11.4% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 5.86%
(Tier: 3.59%, National: 9.37%)
better than tier avg
12 of 21 Titans CUs have this signature | 608 nationally
→ Stable (11→12 CUs) +1 CUs YoY

Relationship Depth Leader

growth
#7 of 14 • Top 18.8% in tier

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

Why This Signature
AMR Growth (YoY): 4.23%
(Tier: 2.80%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.8K
(Tier: $2.9K, National: $2.0K)
but worse than tier avg
14 of 21 Titans CUs have this signature | 1330 nationally
↑ Growing +8 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#7 of 14 • Top 18.8% in tier

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

Why This Signature
AMR Growth (YoY): 4.23%
(Tier: 2.80%, National: 4.19%)
better than tier avg
14 of 21 Titans CUs have this signature | 1330 nationally
↑ Growing +8 CUs YoY | Rank worsening

Organic Growth Engine

growth
#12 of 18 • Top 20.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 5.86%
(Tier: 3.59%, National: 9.37%)
better than tier avg
Return on Assets: 0.49%
(Tier: 0.76%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 8.86%
(Tier: 14.25%, National: 7.90%)
better than tier avg
18 of 21 Titans CUs have this signature | 917 nationally
→ Stable (18→18 CUs)

Concerns (2)

Growth-at-Risk

risk
#1 of 14 • Bottom 0.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 10.30%
(Tier: 6.37%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.31% points
(Tier: 0.10% points, National: 0.07% points)
worse than tier avg
14 of 21 Titans CUs have this signature | 646 nationally
→ Stable (13→14 CUs) +1 CUs YoY

Credit Quality Pressure

risk
#3 of 15 • Bottom 3.9% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.31% points
(Tier: 0.10% points, National: 0.07% points)
worse than tier avg
15 of 21 Titans CUs have this signature | 1002 nationally
↓ Shrinking -6 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)

Comparing against 21 peers in tier

Top Strengths (5 metrics)

3
Average Member Relationship (AMR)
engagement
Value: $45,700
Peer Avg: $31,184
#3 of 21 Top 9.5% in 10B+ tier
4
Loan Growth Rate
growth
Value: 10.30%
Peer Avg: 6.37%
#4 of 21 Top 14.3% in 10B+ tier
4
Loan-to-Member Ratio (LMR)
engagement
Value: $21,246
Peer Avg: $14,676
#4 of 21 Top 14.3% in 10B+ tier
5
Deposit Growth Rate
growth
Value: 10.38%
Peer Avg: 6.48%
#5 of 21 Top 19.0% in 10B+ tier
5
Net Charge-Off Rate
risk
Value: 0.43%
Peer Avg: 0.85%
#5 of 21 Top 19.0% in 10B+ tier

Top Weaknesses (6 metrics)

19
Total Delinquency Rate (60+ days)
risk
Value: 2.05%
Peer Avg: 1.18%
#19 of 21 Bottom 14.3% in 10B+ tier
19
Total Members
engagement
Value: 512,282
Peer Avg: 1,822,417
#19 of 21 Bottom 14.3% in 10B+ tier
18
Fee Income Per Member
profitability
Value: $96.84
Peer Avg: $171.28
#18 of 21 Bottom 19.0% in 10B+ tier
18
Net Worth Ratio
risk
Value: 9.11%
Peer Avg: 10.22%
#18 of 21 Bottom 19.0% in 10B+ tier
18
Share Certificate Concentration (%)
balance_sheet
Value: 38.52%
Peer Avg: 31.91%
#18 of 21 Bottom 19.0% in 10B+ tier
17
Return on Assets (ROA)
profitability
Value: 0.49%
Peer Avg: 0.76%
#17 of 21 Bottom 23.8% in 10B+ tier