DIXIES
Charter #5569 | SC
<100M
(2596 CUs)
Micro
($0-$500M)
24 <100M in SC
DIXIES has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.24% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.10% below tier average
- - Efficiency ratio 7.04% above tier (higher cost structure)
- - First Mortgage Concentration (%): Bottom 5.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,942
+0.0% YoY+0.4% QoQ
|
+2.3K |
2,625
-2.2% YoY
|
37,124
+2.2% YoY
|
33,089
+6.1% YoY
|
Top 14.4% in tier |
| Assets |
$47.0M
+2.6% YoY+0.7% QoQ
|
+$17.2M |
$29.9M
+1.1% YoY
|
$514.3M
+4.6% YoY
|
$547.7M
+7.8% YoY
|
Top 24.4% in tier |
| Loans |
$31.0M
+1.0% YoY-0.1% QoQ
|
+$15.3M |
$15.8M
-2.4% YoY
|
$362.8M
+7.0% YoY
|
$388.7M
+8.6% YoY
|
Top 17.1% in tier |
| Deposits |
$36.3M
+2.1% YoY+0.4% QoQ
|
+$10.8M |
$25.5M
+0.4% YoY
|
$433.3M
+6.0% YoY
|
$464.6M
+9.3% YoY
|
72nd in tier |
| ROA |
0.6%
-11.2% YoY-44.1% QoQ
|
-0.1% |
0.7%
-731.4% YoY
|
1.2%
+18.8% YoY
|
0.7%
+273.4% YoY
|
41st in tier |
| NIM |
5.2%
+9.6% YoY+0.1% QoQ
|
+1.2% |
3.9%
+3.8% YoY
|
4.3%
+2.6% YoY
|
3.7%
+5.0% YoY
|
Top 11.2% in tier |
| Efficiency Ratio |
88.4%
+7.3% YoY+7.3% QoQ
|
+7.0% |
81.4%
-2.4% YoY
|
75.1%
-1.9% YoY
|
79.1%
-3.3% YoY
|
74th in tier |
| Delinquency Rate |
1.2%
-26.3% YoY+18.9% QoQ
|
-0.3 |
1.5%
-2.0% YoY
|
0.9%
+10.3% YoY
|
1.2%
-0.9% YoY
|
66th in tier |
| Loan To Share |
85.6%
-1.0% YoY-0.5% QoQ
|
+24.3% |
61.2%
-3.0% YoY
|
71.3%
-1.2% YoY
|
68.0%
-1.7% YoY
|
Top 15.9% in tier |
| AMR |
$13,623
+1.6% YoY-0.2% QoQ
|
$-1K |
$14,627
-2.7% YoY
|
$16,641
+2.9% YoY
|
$19,418
+1.3% YoY
|
50th in tier |
| CD Concentration |
17.8%
-8.8% YoY-4.7% QoQ
|
-6.6% |
24.4%
+4.2% YoY
|
17.4%
+3.6% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
5.9%
-5.3% 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 (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
290
Net Interest Margin (NIM)
profitability
Value:
5.17%
Peer Avg: 3.93%
#290 of 2596
Top 11.1% in <100M tier
375
Total Members
engagement
Value:
4,942
Peer Avg: 2,626
#375 of 2596
Top 14.4% in <100M tier
392
Net Worth Ratio
risk
Value:
22.60%
Peer Avg: 16.43%
#392 of 2596
Top 15.1% in <100M tier
408
Loan-to-Share Ratio
balance_sheet
Value:
85.55%
Peer Avg: 61.23%
#408 of 2596
Top 15.7% in <100M tier
445
Total Loans
balance_sheet
Value:
$31.04M
Peer Avg: $15.77M
#445 of 2596
Top 17.1% in <100M tier
633
Total Assets
balance_sheet
Value:
$47.02M
Peer Avg: $29.86M
#633 of 2596
Top 24.3% in <100M tier
Top Weaknesses (1 metrics)
2455
First Mortgage Concentration (%)
balance_sheet
Value:
54.84%
Peer Avg: 14.49%
#2455 of 2596
Bottom 5.5% in <100M tier