SIGNAL FINANCIAL
Charter #5571 | MD
100M-500M
(1077 CUs)
Micro
($0-$500M)
16 100M-500M in MD
SIGNAL FINANCIAL has 1 strength but faces 15 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Loans: Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Accelerating Exit Risk: Bottom 1.9% in tier
- - Capital Constraint: Bottom 3.5% in tier
- - Shrinking Wallet Share: Bottom 5.2% in tier
- - Efficiency Drag: Bottom 8.0% in tier
- - Institutional Decline: Bottom 8.9% in tier
- - Membership Headwinds: Bottom 15.3% in tier
- - Stagnation Risk: Bottom 25.7% in tier
- - Liquidity Strain: Bottom 29.1% in tier
- - ROA 0.85% below tier average
- - Efficiency ratio 24.27% above tier (higher cost structure)
- - Member decline: -2.7% YoY
- - Asset Growth Rate: Bottom 0.8% in tier
- - Deposit Growth Rate: Bottom 1.2% in tier
- - AMR Growth Rate: Bottom 3.9% in tier
- - Loan Growth Rate: Bottom 9.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
22,492
-2.7% YoY0% QoQ
|
+6.9K |
15,628
-3.4% YoY
|
34,720
+7.7% YoY
|
33,089
+6.1% YoY
|
Top 17.9% in tier |
| Assets |
$372.5M
-9.6% YoY-0.8% QoQ
|
+$141.2M |
$231.3M
-0.0% YoY
|
$624.1M
+9.4% YoY
|
$547.7M
+7.8% YoY
|
Top 14.6% in tier |
| Loans |
$287.2M
-6.2% YoY-0.3% QoQ
|
+$139.4M |
$147.8M
-1.4% YoY
|
$452.1M
+10.3% YoY
|
$388.7M
+8.6% YoY
|
Top 8.0% in tier |
| Deposits |
$307.5M
-9.7% YoY-4.5% QoQ
|
+$107.2M |
$200.3M
-0.0% YoY
|
$528.8M
+10.3% YoY
|
$464.6M
+9.3% YoY
|
Top 17.2% in tier |
| ROA |
-0.1%
-125.2% YoY-76.3% QoQ
|
-0.9% |
0.8%
+15.5% YoY
|
0.6%
+23.1% YoY
|
0.7%
+273.4% YoY
|
Bottom 6.5% in tier |
| NIM |
3.2%
+15.7% YoY+5.8% QoQ
|
-0.4% |
3.6%
+6.9% YoY
|
3.5%
+4.2% YoY
|
3.7%
+5.0% YoY
|
28th in tier |
| Efficiency Ratio |
101.5%
+8.3% YoY-5.0% QoQ
|
+24.3% |
77.3%
-3.0% YoY
|
78.6%
-6.6% YoY
|
79.1%
-3.3% YoY
|
Top 1.9% in tier |
| Delinquency Rate |
0.4%
-55.7% YoY-15.3% QoQ
|
-0.4 |
0.9%
+7.6% YoY
|
1.2%
+5.3% YoY
|
1.2%
-0.9% YoY
|
32nd in tier |
| Loan To Share |
93.4%
+3.9% YoY+4.4% QoQ
|
+20.7% |
72.7%
-1.5% YoY
|
65.0%
-0.2% YoY
|
68.0%
-1.7% YoY
|
Top 10.1% in tier |
| AMR |
$26,439
-5.4% YoY-2.5% QoQ
|
+$2K |
$24,363
+2.9% YoY
|
$20,685
+4.6% YoY
|
$19,418
+1.3% YoY
|
71st in tier |
| CD Concentration |
24.8%
+2.8% YoY+11.1% QoQ
|
+0.4% |
24.4%
+4.2% YoY
|
20.4%
+10.6% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % |
0.0%
-67.3% YoY-40.5% QoQ
|
-14.0% |
14.0%
-5.8% YoY
|
7.4%
+4.0% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (8)
Accelerating Exit Risk
decline
#6 of 58 • Bottom 1.9% in tier
Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Why This Signature
Member Growth (YoY):
-2.72%
(Tier:
0.88%, National:
9.37%)
AMR Growth (YoY):
-5.43%
(Tier:
3.68%, National:
4.19%)
58 of 1077 Community CUs have this signature
| 73 nationally
↓ Shrinking
-89 CUs YoY
|
New qualifier
Capital Constraint
risk
#4 of 18 • Bottom 3.5% in tier
Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.
Why This Signature
Loan-to-Share Ratio:
93.38%
(Tier:
74.56%, National:
67.96%)
Deposit Growth (YoY):
-9.66%
(Tier:
4.79%, National:
12.00%)
Net Worth Ratio:
9.15%
(Tier:
11.95%, National:
14.51%)
18 of 1077 Community CUs have this signature
| 29 nationally
↓ Shrinking
-33 CUs YoY
|
Rank improving
Shrinking Wallet Share
decline
#53 of 244 • Bottom 5.2% in tier
Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Why This Signature
AMR Growth (YoY):
-5.43%
(Tier:
3.68%, National:
4.19%)
244 of 1077 Community CUs have this signature
| 346 nationally
↓ Shrinking
-221 CUs YoY
|
New qualifier
Efficiency Drag
risk
#142 of 521 • Bottom 8.0% in tier
High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Why This Signature
Efficiency Ratio:
101.55%
(Tier:
77.15%, National:
79.10%)
ROA Change (YoY):
-0.31% points
(Tier:
0.11% points, National:
0.05% points)
Member Growth (YoY):
-2.72%
(Tier:
0.88%, National:
9.37%)
521 of 1077 Community CUs have this signature
| 624 nationally
↓ Shrinking
-113 CUs YoY
|
Rank improving
Institutional Decline
decline
#71 of 256 • Bottom 8.9% in tier
Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Why This Signature
Total Assets:
$372.48M
(Tier: $231.30M, National: $547.69M)
Member Growth (YoY):
-2.72%
(Tier:
0.88%, National:
9.37%)
Loan Growth (YoY):
-6.16%
(Tier:
3.64%, National:
36.38%)
256 of 1077 Community CUs have this signature
| 293 nationally
↓ Shrinking
-43 CUs YoY
|
Rank worsening
Membership Headwinds
decline
#252 of 550 • Bottom 15.3% in tier
Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Why This Signature
Member Growth (YoY):
-2.72%
(Tier:
0.88%, National:
9.37%)
550 of 1077 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
Rank worsening
Stagnation Risk
risk
#424 of 550 • Bottom 25.7% in tier
Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.
Why This Signature
Return on Assets:
-0.06%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
-2.72%
(Tier:
0.88%, National:
9.37%)
Avg Member Relationship:
$26.4K
(Tier: $25.0K, National: $19.4K)
CD Concentration:
24.78%
(Tier:
24.41%, National:
19.60%)
550 of 1077 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
Rank worsening
Liquidity Strain
risk
#226 of 258 • Bottom 29.1% in tier
Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Why This Signature
Loan-to-Share Ratio:
93.38%
(Tier:
74.56%, National:
67.96%)
Loan Growth (YoY):
-6.16%
(Tier:
3.64%, National:
36.38%)
258 of 1077 Community CUs have this signature
| 484 nationally
↓ Shrinking
-28 CUs YoY
|
New qualifier
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 (6 metrics)
86
Total Loans
balance_sheet
Value:
$287.16M
Peer Avg: $147.80M
#86 of 1077
Top 7.9% in 100M-500M tier
109
Loan-to-Share Ratio
balance_sheet
Value:
93.38%
Peer Avg: 72.70%
#109 of 1077
Top 10.0% in 100M-500M tier
157
Total Assets
balance_sheet
Value:
$372.48M
Peer Avg: $231.30M
#157 of 1077
Top 14.5% in 100M-500M tier
185
Total Deposits
balance_sheet
Value:
$307.52M
Peer Avg: $200.29M
#185 of 1077
Top 17.1% in 100M-500M tier
193
Total Members
engagement
Value:
22,492
Peer Avg: 15,628
#193 of 1077
Top 17.8% in 100M-500M tier
203
Loan-to-Member Ratio (LMR)
engagement
Value:
$12,767
Peer Avg: $10,245
#203 of 1077
Top 18.8% in 100M-500M tier
Top Weaknesses (9 metrics)
1069
Asset Growth Rate
growth
Value:
-9.58%
Peer Avg: 4.70%
#1069 of 1077
Bottom 0.8% in 100M-500M tier
1065
Deposit Growth Rate
growth
Value:
-9.66%
Peer Avg: 4.69%
#1065 of 1077
Bottom 1.2% in 100M-500M tier
1058
Efficiency Ratio
profitability
Value:
101.55%
Peer Avg: 77.28%
#1058 of 1077
Bottom 1.9% in 100M-500M tier
1036
AMR Growth Rate
growth
Value:
-5.43%
Peer Avg: 3.64%
#1036 of 1077
Bottom 3.9% in 100M-500M tier
1007
Return on Assets (ROA)
profitability
Value:
-0.06%
Peer Avg: 0.79%
#1007 of 1077
Bottom 6.6% in 100M-500M tier
976
Loan Growth Rate
growth
Value:
-6.16%
Peer Avg: 3.45%
#976 of 1077
Bottom 9.5% in 100M-500M tier
916
Net Worth Ratio
risk
Value:
9.15%
Peer Avg: 12.15%
#916 of 1077
Bottom 15.0% in 100M-500M tier
863
Member Growth Rate
growth
Value:
-2.72%
Peer Avg: 0.72%
#863 of 1077
Bottom 20.0% in 100M-500M tier
822
First Mortgage Concentration (%)
balance_sheet
Value:
42.54%
Peer Avg: 30.43%
#822 of 1077
Bottom 23.8% in 100M-500M tier