SABINE

Charter #5866 | TX

100M-500M (1077 CUs) Micro
79 100M-500M in TX

SABINE has 3 strengths but faces 9 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 24.1% in tier
  • + Emerging Performer: Top 30.3% in tier
  • + Wallet Share Momentum: Top 35.5% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 0.5% in tier
  • - Institutional Decline: Bottom 21.3% in tier
  • - Indirect Auto Dependency: Bottom 22.2% in tier
  • - Membership Headwinds: Bottom 24.0% in tier
  • - Stagnation Risk: Bottom 28.6% in tier
  • - Liquidity Overhang: Bottom 28.9% in tier
  • - ROA 0.61% below tier average
  • - Efficiency ratio 15.79% above tier (higher cost structure)
  • - Members Per Employee (MPE): Bottom 9.0% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Members 13,120
-1.5% YoY-1.0% QoQ
 -2.5K 15,628
-3.4% YoY
 26,896
+3.7% YoY
 33,089
+6.1% YoY
 48th in tier
Assets $233.7M
+2.4% YoY-0.7% QoQ
 +$2.4M $231.3M
-0.0% YoY
 $411.3M
+5.9% YoY
 $547.7M
+7.8% YoY
 60th in tier
Loans $145.5M
-4.7% YoY-1.8% QoQ
 $-2.3M $147.8M
-1.4% YoY
 $295.8M
+5.3% YoY
 $388.7M
+8.6% YoY
 59th in tier
Deposits $202.3M
+2.3% YoY-1.3% QoQ
 +$2.0M $200.3M
-0.0% YoY
 $341.5M
+6.1% YoY
 $464.6M
+9.3% YoY
 60th in tier
ROA 0.2%
-2.3% YoY+30.3% QoQ
 -0.6% 0.8%
+15.5% YoY
 0.5%
-24.0% YoY
 0.7%
+273.4% YoY
 Bottom 12.7% in tier
NIM 3.3%
+6.1% YoY+1.0% QoQ
 -0.3% 3.6%
+6.9% YoY
 3.9%
+4.3% YoY
 3.7%
+5.0% YoY
 32nd in tier
Efficiency Ratio 93.1%
+1.3% YoY-0.7% QoQ
 +15.8% 77.3%
-3.0% YoY
 79.6%
-0.9% YoY
 79.1%
-3.3% YoY
 Top 6.3% in tier
Delinquency Rate 0.6%
-12.9% YoY-23.1% QoQ
 -0.3 0.9%
+7.6% YoY
 1.2%
+20.3% YoY
 1.2%
-0.9% YoY
 43rd in tier
Loan To Share 71.9%
-6.9% YoY-0.5% QoQ
 -0.8% 72.7%
-1.5% YoY
 71.8%
-2.5% YoY
 68.0%
-1.7% YoY
 44th in tier
AMR $26,507
+0.7% YoY-0.5% QoQ
 +$2K $24,363
+2.9% YoY
 $17,515
+1.3% YoY
 $19,418
+1.3% YoY
 71st in tier
CD Concentration 18.4%
+11.6% YoY+2.7% QoQ
 -6.0% 24.4%
+4.2% YoY
 20.9%
+7.1% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 22.9%
-4.9% YoY-0.8% QoQ
 +8.9% 14.0%
-5.8% YoY
 7.2%
-0.2% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth
#665 of 1006 • Top 24.1% in tier

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

Why This Signature
AMR Growth (YoY): 0.74%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $3.7K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Emerging Performer

growth
#569 of 627 • Top 30.3% in tier

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

Why This Signature
Return on Assets: 0.18%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): -1.48%
(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
#979 of 1006 • Top 35.5% in tier

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

Why This Signature
AMR Growth (YoY): 0.74%
(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

Concerns (6)

Efficiency Drag

risk
#10 of 521 • Bottom 0.5% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 93.07%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.00% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): -1.48%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank improving

Institutional Decline

decline
#169 of 256 • Bottom 21.3% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $233.72M
(Tier: $231.30M, National: $547.69M)
but better than tier avg
Member Growth (YoY): -1.48%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -4.71%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
256 of 1077 Community CUs have this signature | 293 nationally
↓ Shrinking -43 CUs YoY | Rank worsening

Indirect Auto Dependency

risk
#357 of 525 • Bottom 22.2% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 2.41%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 22.89%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -1.48%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY

Membership Headwinds

decline
#395 of 550 • Bottom 24.0% in tier

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

Why This Signature
Member Growth (YoY): -1.48%
(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 worsening

Stagnation Risk

risk
#472 of 550 • Bottom 28.6% 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: 0.18%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -1.48%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $26.5K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 18.39%
(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 worsening

Liquidity Overhang

risk
#448 of 552 • Bottom 28.9% 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: 12.27%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 71.89%
(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 worsening

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 (0 metrics)

No strength rankings available

Top Weaknesses (6 metrics)

1010
Efficiency Ratio
profitability
Value: 93.07%
Peer Avg: 77.28%
#1010 of 1077 Bottom 6.3% in 100M-500M tier
981
Members Per Employee (MPE)
engagement
Value: 222.373
Peer Avg: 332.881
#981 of 1077 Bottom 9.0% in 100M-500M tier
940
Return on Assets (ROA)
profitability
Value: 0.18%
Peer Avg: 0.79%
#940 of 1077 Bottom 12.8% in 100M-500M tier
926
Loan Growth Rate
growth
Value: -4.71%
Peer Avg: 3.45%
#926 of 1077 Bottom 14.1% in 100M-500M tier
916
First Mortgage Concentration (%)
balance_sheet
Value: 48.33%
Peer Avg: 30.43%
#916 of 1077 Bottom 15.0% in 100M-500M tier
819
Indirect Auto Concentration (%)
balance_sheet
Value: 22.89%
Peer Avg: 13.34%
#819 of 1077 Bottom 24.0% in 100M-500M tier