TREASURY EMPLOYEES
Charter #5780 | MS
<100M
(2596 CUs)
Micro
($0-$500M)
41 <100M in MS
TREASURY EMPLOYEES has 3 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 1.17% below tier average
- - Efficiency ratio 82.87% above tier (higher cost structure)
- - Delinquency rate 1.74% above tier average
- - Net Interest Margin (NIM): Bottom 0.6% in tier
- - Share Certificate Concentration (%): Bottom 1.5% in tier
- - Loan-to-Share Ratio: Bottom 6.4% in tier
- - Asset Growth Rate: Bottom 9.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
448
-1.3% YoY+0.2% QoQ
|
-2.2K |
2,625
-2.2% YoY
|
14,577
+18.5% YoY
|
33,089
+6.1% YoY
|
Bottom 12.4% in tier |
| Assets |
$9.4M
-7.0% YoY-3.7% QoQ
|
$-20.4M |
$29.9M
+1.1% YoY
|
$171.7M
+26.4% YoY
|
$547.7M
+7.8% YoY
|
31st in tier |
| Loans |
$2.0M
-5.2% YoY+2.3% QoQ
|
$-13.7M |
$15.8M
-2.4% YoY
|
$115.7M
+25.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 17.9% in tier |
| Deposits |
$8.4M
-7.3% YoY-4.0% QoQ
|
$-17.0M |
$25.5M
+0.4% YoY
|
$135.7M
+26.5% YoY
|
$464.6M
+9.3% YoY
|
33rd in tier |
| ROA |
-0.5%
-2.0% YoY-9.9% QoQ
|
-1.2% |
0.7%
-731.4% YoY
|
0.9%
+335.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 9.0% in tier |
| NIM |
0.7%
+10.2% YoY+10.2% QoQ
|
-3.2% |
3.9%
+3.8% YoY
|
4.4%
+3.2% YoY
|
3.7%
+5.0% YoY
|
Bottom 0.6% in tier |
| Efficiency Ratio |
164.3%
-4.7% YoY-8.3% QoQ
|
+82.9% |
81.4%
-2.4% YoY
|
78.7%
-9.5% YoY
|
79.1%
-3.3% YoY
|
Top 2.2% in tier |
| Delinquency Rate |
3.2%
+2700.2% YoY-13.4% QoQ
|
+1.7 |
1.5%
-2.0% YoY
|
1.7%
-11.9% YoY
|
1.2%
-0.9% YoY
|
Top 10.6% in tier |
| Loan To Share |
24.0%
+2.3% YoY+6.7% QoQ
|
-37.2% |
61.2%
-3.0% YoY
|
68.6%
-0.4% YoY
|
68.0%
-1.7% YoY
|
Bottom 6.2% in tier |
| AMR |
$23,319
-5.7% YoY-3.1% QoQ
|
+$9K |
$14,627
-2.7% YoY
|
$12,163
+4.6% YoY
|
$19,418
+1.3% YoY
|
Top 11.3% in tier |
| CD Concentration |
58.3%
+14.2% YoY+6.7% QoQ
|
+33.9% |
24.4%
+4.2% YoY
|
19.3%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
2.5%
+12.7% 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 (4 metrics)
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
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
293
Average Member Relationship (AMR)
engagement
Value:
$23,319
Peer Avg: $14,627
#293 of 2596
Top 11.2% in <100M tier
Top Weaknesses (14 metrics)
2581
Net Interest Margin (NIM)
profitability
Value:
0.74%
Peer Avg: 3.93%
#2581 of 2596
Bottom 0.6% in <100M tier
2558
Share Certificate Concentration (%)
balance_sheet
Value:
58.33%
Peer Avg: 15.37%
#2558 of 2596
Bottom 1.5% in <100M tier
2541
Efficiency Ratio
profitability
Value:
164.26%
Peer Avg: 81.39%
#2541 of 2596
Bottom 2.2% in <100M tier
2431
Loan-to-Share Ratio
balance_sheet
Value:
24.01%
Peer Avg: 61.23%
#2431 of 2596
Bottom 6.4% in <100M tier
2362
Return on Assets (ROA)
profitability
Value:
-0.49%
Peer Avg: 0.68%
#2362 of 2596
Bottom 9.1% in <100M tier
2351
Asset Growth Rate
growth
Value:
-7.01%
Peer Avg: 1.82%
#2351 of 2596
Bottom 9.5% in <100M tier
2322
Total Delinquency Rate (60+ days)
risk
Value:
3.25%
Peer Avg: 1.51%
#2322 of 2596
Bottom 10.6% in <100M tier
2302
Deposit Growth Rate
growth
Value:
-7.34%
Peer Avg: 16.80%
#2302 of 2596
Bottom 11.4% in <100M tier
2272
Total Members
engagement
Value:
448
Peer Avg: 2,626
#2272 of 2596
Bottom 12.5% in <100M tier
2262
Fee Income Per Member
profitability
Value:
$3.84
Peer Avg: $182.96
#2262 of 2596
Bottom 12.9% in <100M tier