AVENIR FINANCIAL

Charter #4915 | AZ

100M-500M (1077 CUs) Micro
8 100M-500M in AZ

AVENIR FINANCIAL has 7 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 11.7% in tier
  • + Relationship Depth Leader: Top 24.1% in tier
  • + Organic Growth Leader: Top 28.8% in tier
  • + Organic Growth Engine: Top 32.3% in tier
  • + Total Members: Top 4.6% in tier
  • + Loan-to-Share Ratio: Top 6.9% in tier
  • + Total Loans: Top 9.5% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 9.7% in tier
  • - Efficiency Drag: Bottom 15.7% in tier
  • - Liquidity Overhang: Bottom 23.6% in tier
  • - ROA 0.59% below tier average
  • - Efficiency ratio 7.76% above tier (higher cost structure)
  • - Delinquency rate 0.89% above tier average

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (AZ) National Avg Tier Percentile
Members 34,306
+0.9% YoY+0.3% QoQ
 +18.7K 15,628
-3.4% YoY
 60,829
+5.9% YoY
 33,089
+6.1% YoY
 Top 4.7% in tier
Assets $389.9M
+3.0% YoY+3.2% QoQ
 +$158.6M $231.3M
-0.0% YoY
 $1.0B
+8.7% YoY
 $547.7M
+7.8% YoY
 Top 12.1% in tier
Loans $275.2M
+10.8% YoY+8.4% QoQ
 +$127.4M $147.8M
-1.4% YoY
 $651.1M
+13.2% YoY
 $388.7M
+8.6% YoY
 Top 9.6% in tier
Deposits $287.0M
+4.2% YoY-0.1% QoQ
 +$86.7M $200.3M
-0.0% YoY
 $883.8M
+10.9% YoY
 $464.6M
+9.3% YoY
 Top 21.0% in tier
ROA 0.2%
-64.1% YoY-23.4% QoQ
 -0.6% 0.8%
+15.5% YoY
 0.8%
+38.7% YoY
 0.7%
+273.4% YoY
 Bottom 13.3% in tier
NIM 3.5%
-2.0% YoY+0.9% QoQ
 -0.1% 3.6%
+6.9% YoY
 4.0%
+6.6% YoY
 3.7%
+5.0% YoY
 44th in tier
Efficiency Ratio 85.0%
+2.8% YoY-0.7% QoQ
 +7.8% 77.3%
-3.0% YoY
 75.3%
-3.3% YoY
 79.1%
-3.3% YoY
 Top 23.1% in tier
Delinquency Rate 1.7%
-9.3% YoY+7.9% QoQ
 +0.9 0.9%
+7.6% YoY
 0.9%
+2.1% YoY
 1.2%
-0.9% YoY
 Top 10.1% in tier
Loan To Share 95.9%
+6.3% YoY+8.5% QoQ
 +23.2% 72.7%
-1.5% YoY
 71.1%
-3.6% YoY
 68.0%
-1.7% YoY
 Top 7.0% in tier
AMR $16,388
+6.4% YoY+3.6% QoQ
 $-8K $24,363
+2.9% YoY
 $19,058
+3.8% YoY
 $19,418
+1.3% YoY
 Bottom 15.5% in tier
CD Concentration 26.7%
+6.5% YoY+0.5% QoQ
 +2.3% 24.4%
+4.2% YoY
 16.8%
+14.1% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 9.8%
-23.8% YoY-10.7% QoQ
 -4.2% 14.0%
-5.8% YoY
 23.2%
-8.0% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (4)

Wallet Share Momentum

growth
#322 of 1006 • Top 11.7% in tier

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

Why This Signature
AMR Growth (YoY): 6.40%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Relationship Depth Leader

growth
#664 of 1006 • Top 24.1% in tier

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

Why This Signature
AMR Growth (YoY): 6.40%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $1.8K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Organic Growth Leader

growth
#381 of 430 • Top 28.8% in tier

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

Why This Signature
Member Growth (YoY): 0.89%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 1077 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank improving

Organic Growth Engine

growth
#593 of 603 • Top 32.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 0.89%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.20%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 9.79%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Concerns (3)

Liquidity Strain

risk
#76 of 258 • Bottom 9.7% in tier

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

Why This Signature
Loan-to-Share Ratio: 95.88%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 10.78%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
258 of 1077 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | Rank improving

Efficiency Drag

risk
#278 of 521 • Bottom 15.7% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 85.04%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.36% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): 0.89%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank improving

Liquidity Overhang

risk
#366 of 552 • Bottom 23.6% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 15.66%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 95.88%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 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 1077 peers in tier

Top Strengths (10 metrics)

51
Total Members
engagement
Value: 34,306
Peer Avg: 15,628
#51 of 1077 Top 4.6% in 100M-500M tier
75
Loan-to-Share Ratio
balance_sheet
Value: 95.88%
Peer Avg: 72.70%
#75 of 1077 Top 6.9% in 100M-500M tier
103
Total Loans
balance_sheet
Value: $275.19M
Peer Avg: $147.80M
#103 of 1077 Top 9.5% in 100M-500M tier
130
Total Assets
balance_sheet
Value: $389.93M
Peer Avg: $231.30M
#130 of 1077 Top 12.0% in 100M-500M tier
135
Net Worth Ratio
risk
Value: 15.66%
Peer Avg: 12.15%
#135 of 1077 Top 12.4% in 100M-500M tier
143
Loan Growth Rate
growth
Value: 10.78%
Peer Avg: 3.45%
#143 of 1077 Top 13.2% in 100M-500M tier
168
First Mortgage Concentration (%)
balance_sheet
Value: 12.46%
Peer Avg: 30.43%
#168 of 1077 Top 15.5% in 100M-500M tier
217
Fee Income Per Member
profitability
Value: $227.46
Peer Avg: $174.31
#217 of 1077 Top 20.1% in 100M-500M tier
226
Total Deposits
balance_sheet
Value: $287.02M
Peer Avg: $200.29M
#226 of 1077 Top 20.9% in 100M-500M tier
254
AMR Growth Rate
growth
Value: 6.40%
Peer Avg: 3.64%
#254 of 1077 Top 23.5% in 100M-500M tier

Top Weaknesses (5 metrics)

969
Total Delinquency Rate (60+ days)
risk
Value: 1.75%
Peer Avg: 0.86%
#969 of 1077 Bottom 10.1% in 100M-500M tier
934
Return on Assets (ROA)
profitability
Value: 0.20%
Peer Avg: 0.79%
#934 of 1077 Bottom 13.4% in 100M-500M tier
910
Net Charge-Off Rate
risk
Value: 0.79%
Peer Avg: 0.47%
#910 of 1077 Bottom 15.6% in 100M-500M tier
910
Average Member Relationship (AMR)
engagement
Value: $16,388
Peer Avg: $24,363
#910 of 1077 Bottom 15.6% in 100M-500M tier
829
Efficiency Ratio
profitability
Value: 85.04%
Peer Avg: 77.28%
#829 of 1077 Bottom 23.1% in 100M-500M tier