IRON MOUNTAIN KINGSFORD COMMUNITY

Charter #5660 | MI

100M-500M (1077 CUs) Micro
67 100M-500M in MI

IRON MOUNTAIN KINGSFORD COMMUNITY has 8 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 10.6% in tier
  • + Wallet Share Momentum: Top 28.3% in tier
  • + Relationship Depth Leader: Top 30.9% in tier
  • + ROA 1.20% above tier average
  • + Net Interest Margin 0.66% above tier average
  • + Share Certificate Concentration (%): Top 6.1% in tier
  • + Efficiency Ratio: Top 6.2% in tier
  • + Net Worth Ratio: Top 6.2% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 1.0% in tier
  • - Margin Compression: Bottom 5.2% in tier
  • - Stagnation Risk: Bottom 12.3% in tier
  • - Membership Headwinds: Bottom 21.5% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 1.0% in tier
  • - Total Loans: Bottom 2.0% in tier
  • - Loan-to-Share Ratio: Bottom 2.3% in tier
  • - Fee Income Per Member: Bottom 6.8% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Members 10,184
-1.7% YoY-0.2% QoQ
 -5.4K 15,628
-3.4% YoY
 35,456
+8.6% YoY
 33,089
+6.1% YoY
 31st in tier
Assets $142.8M
+2.8% YoY-0.8% QoQ
 $-88.5M $231.3M
-0.0% YoY
 $650.8M
+12.6% YoY
 $547.7M
+7.8% YoY
 28th in tier
Loans $36.7M
+0.6% YoY+1.9% QoQ
 $-111.1M $147.8M
-1.4% YoY
 $461.6M
+14.9% YoY
 $388.7M
+8.6% YoY
 Bottom 1.9% in tier
Deposits $117.0M
+0.8% YoY-1.6% QoQ
 $-83.3M $200.3M
-0.0% YoY
 $550.3M
+12.5% YoY
 $464.6M
+9.3% YoY
 Bottom 23.3% in tier
ROA 2.0%
-15.1% YoY+1.0% QoQ
 +1.2% 0.8%
+15.5% YoY
 0.8%
-27.1% YoY
 0.7%
+273.4% YoY
 Top 3.3% in tier
NIM 4.2%
-7.5% YoY+0.5% QoQ
 +0.7% 3.6%
+6.9% YoY
 3.7%
+8.5% YoY
 3.7%
+5.0% YoY
 Top 15.7% in tier
Efficiency Ratio 58.0%
+8.2% YoY+0.0% QoQ
 -19.3% 77.3%
-3.0% YoY
 76.1%
-1.3% YoY
 79.1%
-3.3% YoY
 Bottom 6.2% in tier
Delinquency Rate 0.2%
-10.9% YoY-19.8% QoQ
 -0.6 0.9%
+7.6% YoY
 0.9%
-19.7% YoY
 1.2%
-0.9% YoY
 Bottom 13.3% in tier
Loan To Share 31.4%
-0.2% YoY+3.5% QoQ
 -41.3% 72.7%
-1.5% YoY
 68.1%
+0.3% YoY
 68.0%
-1.7% YoY
 Bottom 2.2% in tier
AMR $15,094
+2.6% YoY-0.6% QoQ
 $-9K $24,363
+2.9% YoY
 $22,054
+2.5% YoY
 $19,418
+1.3% YoY
 Bottom 10.0% in tier
CD Concentration 6.8%
+5.6% YoY+1.8% QoQ
 -17.6% 24.4%
+4.2% YoY
 18.6%
+6.0% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 1.5%
+59.8% YoY+14.1% QoQ
 -12.4% 14.0%
-5.8% YoY
 11.9%
-2.7% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Emerging Performer

growth
#200 of 627 • Top 10.6% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 1.99%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): -1.74%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#781 of 1006 • Top 28.3% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 2.56%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#852 of 1006 • Top 30.9% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 2.56%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $2.3K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Concerns (4)

Liquidity Overhang

risk
#17 of 552 • Bottom 1.0% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 17.35%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 31.36%
(Tier: 74.56%, National: 67.96%)
worse than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank improving

Margin Compression

decline
#23 of 136 • Bottom 5.2% in tier

Strong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.

Why This Signature
Return on Assets: 1.99%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
ROA Change (YoY): -0.35% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Total Assets: $142.76M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
136 of 1077 Community CUs have this signature | 169 nationally
↓ Shrinking -43 CUs YoY | Rank improving

Stagnation Risk

risk
#204 of 550 • Bottom 12.3% 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: 1.99%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -1.74%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $15.1K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 6.82%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Membership Headwinds

decline
#354 of 550 • Bottom 21.5% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -1.74%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

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)

Comparing against 1077 peers in tier

Top Strengths (7 metrics)

36
Return on Assets (ROA)
profitability
Value: 1.99%
Peer Avg: 0.79%
#36 of 1077 Top 3.2% in 100M-500M tier
67
Share Certificate Concentration (%)
balance_sheet
Value: 6.82%
Peer Avg: 23.61%
#67 of 1077 Top 6.1% in 100M-500M tier
68
Efficiency Ratio
profitability
Value: 57.96%
Peer Avg: 77.28%
#68 of 1077 Top 6.2% in 100M-500M tier
68
Net Worth Ratio
risk
Value: 17.35%
Peer Avg: 12.15%
#68 of 1077 Top 6.2% in 100M-500M tier
144
Total Delinquency Rate (60+ days)
risk
Value: 0.23%
Peer Avg: 0.86%
#144 of 1077 Top 13.3% in 100M-500M tier
169
Net Interest Margin (NIM)
profitability
Value: 4.24%
Peer Avg: 3.58%
#169 of 1077 Top 15.6% in 100M-500M tier
247
Net Charge-Off Rate
risk
Value: 0.15%
Peer Avg: 0.47%
#247 of 1077 Top 22.8% in 100M-500M tier

Top Weaknesses (7 metrics)

1067
Loan-to-Member Ratio (LMR)
engagement
Value: $3,604
Peer Avg: $10,245
#1067 of 1077 Bottom 1.0% in 100M-500M tier
1056
Total Loans
balance_sheet
Value: $36.70M
Peer Avg: $147.80M
#1056 of 1077 Bottom 2.0% in 100M-500M tier
1053
Loan-to-Share Ratio
balance_sheet
Value: 31.36%
Peer Avg: 72.70%
#1053 of 1077 Bottom 2.3% in 100M-500M tier
1005
Fee Income Per Member
profitability
Value: $76.13
Peer Avg: $174.31
#1005 of 1077 Bottom 6.8% in 100M-500M tier
969
Average Member Relationship (AMR)
engagement
Value: $15,094
Peer Avg: $24,363
#969 of 1077 Bottom 10.1% in 100M-500M tier
826
Total Deposits
balance_sheet
Value: $117.01M
Peer Avg: $200.29M
#826 of 1077 Bottom 23.4% in 100M-500M tier
825
First Mortgage Concentration (%)
balance_sheet
Value: 42.68%
Peer Avg: 30.43%
#825 of 1077 Bottom 23.5% in 100M-500M tier