UNION CONGREGATIONAL
Charter #5655 | NY
<100M
(2596 CUs)
Micro
($0-$500M)
188 <100M in NY
UNION CONGREGATIONAL has 2 strengths but faces 21 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Worth Ratio: Top 0.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Member decline: -98.5% YoY
- - Efficiency Ratio: Bottom 0.0% in tier
- - Total Delinquency Rate (60+ days): Bottom 0.0% in tier
- - Loan-to-Share Ratio: Bottom 0.0% in tier
- - Indirect Auto Concentration (%): Bottom 0.0% in tier
- - First Mortgage Concentration (%): Bottom 0.0% in tier
- - Share Certificate Concentration (%): Bottom 0.0% in tier
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Total Assets: Bottom 0.1% in tier
- - Average Member Relationship (AMR): Bottom 0.2% in tier
- - Total Members: Bottom 0.2% in tier
- - Total Deposits: Bottom 0.2% in tier
- - Net Interest Margin (NIM): Bottom 0.2% in tier
- - Member Growth Rate: Bottom 0.4% in tier
- - Asset Growth Rate: Bottom 0.5% in tier
- - Loan-to-Member Ratio (LMR): Bottom 0.5% in tier
- - Total Loans: Bottom 0.5% in tier
- - Deposit Growth Rate: Bottom 0.5% in tier
- - AMR Growth Rate: Bottom 0.5% in tier
- - Loan Growth Rate: Bottom 0.9% in tier
- - Fee Income Per Member: Bottom 3.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1
-98.5% YoY-98.4% QoQ
|
-2.6K |
2,625
-2.2% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
Bottom 0.0% in tier |
| Assets |
$2,241
-98.8% YoY-98.8% QoQ
|
$-29.9M |
$29.9M
+1.1% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
Bottom 0.0% in tier |
| Loans |
$0.0
-100.0% YoY
|
$-15.8M |
$15.8M
-2.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 0.0% in tier |
| Deposits |
$0.0
-100.0% YoY-100.0% QoQ
|
$-25.5M |
$25.5M
+0.4% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
Bottom 0.0% in tier |
| ROA |
0.0%
-100.0% YoY-100.0% QoQ
|
-0.7% |
0.7%
-731.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 16.1% in tier |
| NIM |
0.0%
-100.0% YoY-100.0% QoQ
|
-3.9% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
Bottom 0.1% in tier |
| Efficiency Ratio | - | - |
81.4%
-2.4% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
- |
| Delinquency Rate | - | - |
1.5%
-2.0% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
- |
| Loan To Share | - | - |
61.2%
-3.0% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
- |
| AMR |
$0.0
-100.0% YoY-100.0% QoQ
|
$-15K |
$14,627
-2.7% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
Bottom 0.0% in tier |
| CD Concentration | - | - |
24.4%
+4.2% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
- |
| Indirect Auto % | - | - |
14.0%
-5.8% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
- |
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
Net Worth Ratio
risk
Value:
100.00%
Peer Avg: 16.43%
#1 of 2596
Top 0.0% 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
Top Weaknesses (21 metrics)
2596
Efficiency Ratio
profitability
Value:
-
Peer Avg: 81.39%
#2596 of 2596
Bottom 0.0% in <100M tier
2596
Total Delinquency Rate (60+ days)
risk
Value:
-
Peer Avg: 1.51%
#2596 of 2596
Bottom 0.0% in <100M tier
2596
Loan-to-Share Ratio
balance_sheet
Value:
-
Peer Avg: 61.23%
#2596 of 2596
Bottom 0.0% in <100M tier
2596
Indirect Auto Concentration (%)
balance_sheet
Value:
-
Peer Avg: 2.84%
#2596 of 2596
Bottom 0.0% in <100M tier
2596
First Mortgage Concentration (%)
balance_sheet
Value:
-
Peer Avg: 14.49%
#2596 of 2596
Bottom 0.0% in <100M tier
2596
Share Certificate Concentration (%)
balance_sheet
Value:
-
Peer Avg: 15.37%
#2596 of 2596
Bottom 0.0% in <100M tier
2596
Members Per Employee (MPE)
engagement
Value:
-
Peer Avg: 365.701
#2596 of 2596
Bottom 0.0% in <100M tier
2595
Total Assets
balance_sheet
Value:
$2,241
Peer Avg: $29.86M
#2595 of 2596
Bottom 0.1% in <100M tier
2593
Average Member Relationship (AMR)
engagement
Value:
$0.00
Peer Avg: $14,627
#2593 of 2596
Bottom 0.2% in <100M tier
2593
Total Members
engagement
Value:
1
Peer Avg: 2,626
#2593 of 2596
Bottom 0.2% in <100M tier