INTERNATIONAL UAW
Charter #5123 | MI
<100M
(2596 CUs)
Micro
($0-$500M)
61 <100M in MI
INTERNATIONAL UAW has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.57% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 2.50% below tier average
- - Efficiency ratio 39.96% above tier (higher cost structure)
- - Net Charge-Off Rate: Bottom 6.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,974
-0.2% YoY+1.9% QoQ
|
-651 |
2,625
-2.2% YoY
|
35,456
+8.6% YoY
|
33,089
+6.1% YoY
|
50th in tier |
| Assets |
$21.6M
-2.9% YoY-3.0% QoQ
|
$-8.2M |
$29.9M
+1.1% YoY
|
$650.8M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
50th in tier |
| Loans |
$9.0M
-7.6% YoY-3.3% QoQ
|
$-6.8M |
$15.8M
-2.4% YoY
|
$461.6M
+14.9% YoY
|
$388.7M
+8.6% YoY
|
48th in tier |
| Deposits |
$18.0M
-2.0% YoY-2.6% QoQ
|
$-7.4M |
$25.5M
+0.4% YoY
|
$550.3M
+12.5% YoY
|
$464.6M
+9.3% YoY
|
50th in tier |
| ROA |
-1.8%
-258.3% YoY+54.7% QoQ
|
-2.5% |
0.7%
-731.4% YoY
|
0.8%
-27.1% YoY
|
0.7%
+273.4% YoY
|
Bottom 3.4% in tier |
| NIM |
4.5%
+12.1% YoY-0.2% QoQ
|
+0.6% |
3.9%
+3.8% YoY
|
3.7%
+8.5% YoY
|
3.7%
+5.0% YoY
|
73rd in tier |
| Efficiency Ratio |
121.4%
+67.9% YoY+28.2% QoQ
|
+40.0% |
81.4%
-2.4% YoY
|
76.1%
-1.3% YoY
|
79.1%
-3.3% YoY
|
Top 4.2% in tier |
| Delinquency Rate |
1.2%
-68.5% YoY-62.2% QoQ
|
-0.4 |
1.5%
-2.0% YoY
|
0.9%
-19.7% YoY
|
1.2%
-0.9% YoY
|
65th in tier |
| Loan To Share |
49.7%
-5.7% YoY-0.7% QoQ
|
-11.5% |
61.2%
-3.0% YoY
|
68.1%
+0.3% YoY
|
68.0%
-1.7% YoY
|
32nd in tier |
| AMR |
$13,682
-3.8% YoY-4.6% QoQ
|
$-945 |
$14,627
-2.7% YoY
|
$22,054
+2.5% YoY
|
$19,418
+1.3% YoY
|
50th in tier |
| CD Concentration |
14.0%
-4.5% YoY+6.0% QoQ
|
-10.4% |
24.4%
+4.2% YoY
|
18.6%
+6.0% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
11.9%
-2.7% 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 (2 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
407
Members Per Employee (MPE)
engagement
Value:
493.500
Peer Avg: 365.701
#407 of 2596
Top 15.6% in <100M tier
Top Weaknesses (6 metrics)
2507
Return on Assets (ROA)
profitability
Value:
-1.82%
Peer Avg: 0.68%
#2507 of 2596
Bottom 3.5% in <100M tier
2488
Efficiency Ratio
profitability
Value:
121.36%
Peer Avg: 81.39%
#2488 of 2596
Bottom 4.2% in <100M tier
2422
Net Charge-Off Rate
risk
Value:
1.78%
Peer Avg: 0.57%
#2422 of 2596
Bottom 6.7% in <100M tier
2311
First Mortgage Concentration (%)
balance_sheet
Value:
43.12%
Peer Avg: 14.49%
#2311 of 2596
Bottom 11.0% in <100M tier
2047
AMR Growth Rate
growth
Value:
-3.81%
Peer Avg: 4.67%
#2047 of 2596
Bottom 21.2% in <100M tier
2028
Asset Growth Rate
growth
Value:
-2.88%
Peer Avg: 1.82%
#2028 of 2596
Bottom 21.9% in <100M tier