CHRISTO REY
Charter #5524 | OH
<100M
(2596 CUs)
Micro
($0-$500M)
121 <100M in OH
CHRISTO REY has 9 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.09% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Asset Growth Rate: Top 0.9% in tier
- + Deposit Growth Rate: Top 1.0% in tier
- + AMR Growth Rate: Top 4.1% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Net Interest Margin (NIM): Bottom 1.7% in tier
- - Net Worth Ratio: Bottom 7.3% in tier
- - Fee Income Per Member: Bottom 9.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
525
+1.0% YoY+1.2% QoQ
|
-2.1K |
2,625
-2.2% YoY
|
16,553
+5.8% YoY
|
33,089
+6.1% YoY
|
Bottom 14.5% in tier |
| Assets |
$3.4M
+26.3% YoY+2.8% QoQ
|
$-26.4M |
$29.9M
+1.1% YoY
|
$245.2M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
Bottom 14.3% in tier |
| Loans |
$1.5M
-1.7% YoY+8.2% QoQ
|
$-14.3M |
$15.8M
-2.4% YoY
|
$170.6M
+8.7% YoY
|
$388.7M
+8.6% YoY
|
Bottom 14.8% in tier |
| Deposits |
$3.1M
+28.4% YoY+2.1% QoQ
|
$-22.3M |
$25.5M
+0.4% YoY
|
$209.1M
+9.7% YoY
|
$464.6M
+9.3% YoY
|
Bottom 16.3% in tier |
| ROA |
0.8%
+225.2% YoY+7.4% QoQ
|
+0.1% |
0.7%
-731.4% YoY
|
0.5%
-7.3% YoY
|
0.7%
+273.4% YoY
|
50th in tier |
| NIM |
1.5%
+10.4% YoY+3.2% QoQ
|
-2.4% |
3.9%
+3.8% YoY
|
3.7%
+3.3% YoY
|
3.7%
+5.0% YoY
|
Bottom 1.6% in tier |
| Efficiency Ratio |
57.1%
-22.7% YoY-11.1% QoQ
|
-24.3% |
81.4%
-2.4% YoY
|
83.9%
+3.6% YoY
|
79.1%
-3.3% YoY
|
Bottom 11.1% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
1.5%
+29.9% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
48.1%
-23.5% YoY+6.0% QoQ
|
-13.1% |
61.2%
-3.0% YoY
|
63.8%
-2.4% YoY
|
68.0%
-1.7% YoY
|
30th in tier |
| AMR |
$8,814
+15.7% YoY+2.8% QoQ
|
$-6K |
$14,627
-2.7% YoY
|
$17,099
+5.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 23.0% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
19.2%
+8.0% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
11.2%
-0.8% 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 (11 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
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#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
24
Asset Growth Rate
growth
Value:
26.30%
Peer Avg: 1.82%
#24 of 2596
Top 0.9% in <100M tier
27
Deposit Growth Rate
growth
Value:
28.39%
Peer Avg: 16.80%
#27 of 2596
Top 1.0% in <100M tier
108
AMR Growth Rate
growth
Value:
15.65%
Peer Avg: 4.67%
#108 of 2596
Top 4.1% 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
290
Efficiency Ratio
profitability
Value:
57.06%
Peer Avg: 81.39%
#290 of 2596
Top 11.1% in <100M tier
334
Members Per Employee (MPE)
engagement
Value:
525.000
Peer Avg: 365.701
#334 of 2596
Top 12.8% in <100M tier
Top Weaknesses (9 metrics)
2554
Net Interest Margin (NIM)
profitability
Value:
1.50%
Peer Avg: 3.93%
#2554 of 2596
Bottom 1.7% in <100M tier
2408
Net Worth Ratio
risk
Value:
8.65%
Peer Avg: 16.43%
#2408 of 2596
Bottom 7.3% in <100M tier
2353
Fee Income Per Member
profitability
Value:
$1.73
Peer Avg: $182.96
#2353 of 2596
Bottom 9.4% in <100M tier
2224
Total Assets
balance_sheet
Value:
$3.44M
Peer Avg: $29.86M
#2224 of 2596
Bottom 14.4% in <100M tier
2219
Total Members
engagement
Value:
525
Peer Avg: 2,626
#2219 of 2596
Bottom 14.6% in <100M tier
2213
Total Loans
balance_sheet
Value:
$1.50M
Peer Avg: $15.77M
#2213 of 2596
Bottom 14.8% in <100M tier
2172
Total Deposits
balance_sheet
Value:
$3.12M
Peer Avg: $25.45M
#2172 of 2596
Bottom 16.4% in <100M tier
2028
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,864
Peer Avg: $5,488
#2028 of 2596
Bottom 21.9% in <100M tier
1998
Average Member Relationship (AMR)
engagement
Value:
$8,814
Peer Avg: $14,627
#1998 of 2596
Bottom 23.1% in <100M tier