GLOBAL

Charter #5913 | AK

10B+ (21 CUs) Titans (21 CUs)
1 10B+ in AK

GLOBAL has 9 strengths but faces 9 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 3.1% in tier
  • + Wallet Share Momentum: Top 3.1% in tier
  • + Emerging Performer: Top 23.3% in tier
  • + Organic Growth Engine: Top 29.6% in tier
  • + Net Interest Margin 0.08% above tier average
  • + Asset Growth Rate: Top 4.8% in tier
  • + Deposit Growth Rate: Top 4.8% in tier
  • + AMR Growth Rate: Top 4.8% in tier
  • + First Mortgage Concentration (%): Top 9.5% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 0.0% in tier
  • - Indirect Auto Dependency: Bottom 0.0% in tier
  • - Growth-at-Risk: Bottom 7.3% in tier
  • - Credit Quality Pressure: Bottom 11.8% in tier
  • - Liquidity Strain: Bottom 21.9% in tier
  • - ROA 0.52% below tier average
  • - Efficiency ratio 16.29% above tier (higher cost structure)
  • - Delinquency rate 0.10% above tier average
  • - Indirect Auto Concentration (%): Bottom 4.8% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (AK) National Avg Tier Percentile
Members 795,930
+3.7% YoY+0.7% QoQ
 -1.0M 1,822,416
+4.1% YoY
 113,900
+3.3% YoY
 33,089
+6.1% YoY
 33rd in tier
Assets $13.0B
+13.8% YoY-0.1% QoQ
 $-15.7B $28.7B
+4.2% YoY
 $1.8B
+11.8% YoY
 $547.7M
+7.8% YoY
 Bottom 14.3% in tier
Loans $10.5B
+9.2% YoY-2.6% QoQ
 $-10.6B $21.1B
+5.8% YoY
 $1.5B
+8.8% YoY
 $388.7M
+8.6% YoY
 Bottom 14.3% in tier
Deposits $11.5B
+17.0% YoY+1.9% QoQ
 $-12.9B $24.4B
+7.2% YoY
 $1.6B
+14.4% YoY
 $464.6M
+9.3% YoY
 Bottom 23.8% in tier
ROA 0.2%
+26.2% YoY+295.9% QoQ
 -0.5% 0.8%
+17.7% YoY
 0.6%
+34.6% YoY
 0.7%
+273.4% YoY
 Bottom 9.5% in tier
NIM 3.2%
+2.8% YoY-2.1% QoQ
 +0.1% 3.1%
+10.6% YoY
 4.2%
+5.6% YoY
 3.7%
+5.0% YoY
 62nd in tier
Efficiency Ratio 80.6%
-6.0% YoY-3.2% QoQ
 +16.3% 64.3%
-4.3% YoY
 78.1%
-3.3% YoY
 79.1%
-3.3% YoY
 Top 4.8% in tier
Delinquency Rate 1.3%
+9.0% YoY+10.7% QoQ
 +0.1 1.2%
+9.7% YoY
 0.8%
-14.6% YoY
 1.2%
-0.9% YoY
 52nd in tier
Loan To Share 91.5%
-6.6% YoY-4.4% QoQ
 +1.7% 89.8%
-0.3% YoY
 77.0%
-0.7% YoY
 68.0%
-1.7% YoY
 52nd in tier
AMR $27,675
+9.1% YoY-1.0% QoQ
 $-4K $31,184
+7.8% YoY
 $25,886
+3.8% YoY
 $19,418
+1.3% YoY
 38th in tier
CD Concentration 25.5%
-1.6% YoY+1.0% QoQ
 -6.4% 31.9%
+2.0% YoY
 21.9%
+3.2% YoY
 19.6%
+6.2% YoY
 Bottom 14.3% in tier
Indirect Auto % 35.3%
-12.3% YoY-0.0% QoQ
 +21.1% 14.2%
-8.9% YoY
 15.6%
-2.3% YoY
 7.9%
-2.9% YoY
 Top 4.8% in tier

Signature Analysis

Strengths (4)

Relationship Depth Leader

growth
#2 of 14 • Top 3.1% in tier

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

Why This Signature
AMR Growth (YoY): 9.07%
(Tier: 2.80%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.5K
(Tier: $2.9K, National: $2.0K)
better than tier avg
14 of 21 Titans CUs have this signature | 1330 nationally
↑ Growing +8 CUs YoY | New qualifier

Wallet Share Momentum

growth
#2 of 14 • Top 3.1% in tier

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

Why This Signature
AMR Growth (YoY): 9.07%
(Tier: 2.80%, National: 4.19%)
better than tier avg
14 of 21 Titans CUs have this signature | 1330 nationally
↑ Growing +8 CUs YoY | New qualifier

Emerging Performer

growth
#8 of 10 • Top 23.3% in tier

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

Why This Signature
Return on Assets: 0.24%
(Tier: 0.76%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): 3.74%
(Tier: 3.59%, National: 9.37%)
better than tier avg
10 of 21 Titans CUs have this signature | 852 nationally
→ Stable (10→10 CUs)

Organic Growth Engine

growth
#17 of 18 • Top 29.6% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 3.74%
(Tier: 3.59%, National: 9.37%)
better than tier avg
Return on Assets: 0.24%
(Tier: 0.76%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 35.35%
(Tier: 14.25%, National: 7.90%)
but worse than tier avg
18 of 21 Titans CUs have this signature | 917 nationally
→ Stable (18→18 CUs)

Concerns (5)

Efficiency Drag

risk
#1 of 1 • Bottom 0.0% in tier

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

Why This Signature
Efficiency Ratio: 80.57%
(Tier: 64.29%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.05% points
(Tier: 0.10% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): 3.74%
(Tier: 3.59%, National: 9.37%)
but better than tier avg
1 of 21 Titans CUs have this signature | 624 nationally
→ Stable (3→1 CUs) -2 CUs YoY

Indirect Auto Dependency

risk
#1 of 8 • Bottom 0.0% in tier

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

Why This Signature
Asset Growth (YoY): 13.80%
(Tier: 4.36%, National: 3.04%)
but better than tier avg
Indirect Auto %: 35.35%
(Tier: 14.25%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 3.74%
(Tier: 3.59%, National: 9.37%)
but better than tier avg
8 of 21 Titans CUs have this signature | 768 nationally
→ Stable (8→8 CUs)

Growth-at-Risk

risk
#4 of 14 • Bottom 7.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 9.23%
(Tier: 6.37%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.11% points
(Tier: 0.10% points, National: 0.07% points)
worse than tier avg
14 of 21 Titans CUs have this signature | 646 nationally
→ Stable (13→14 CUs) +1 CUs YoY | New qualifier

Credit Quality Pressure

risk
#7 of 15 • Bottom 11.8% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.11% points
(Tier: 0.10% points, National: 0.07% points)
worse than tier avg
15 of 21 Titans CUs have this signature | 1002 nationally
↓ Shrinking -6 CUs YoY

Liquidity Strain

risk
#8 of 11 • Bottom 21.9% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 91.54%
(Tier: 89.80%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 9.23%
(Tier: 6.37%, National: 36.38%)
but better than tier avg
11 of 21 Titans CUs have this signature | 484 nationally
→ Stable (11→11 CUs)

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 21 peers in tier

Top Strengths (7 metrics)

2
Asset Growth Rate
growth
Value: 13.80%
Peer Avg: 4.36%
#2 of 21 Top 4.8% in 10B+ tier
2
Deposit Growth Rate
growth
Value: 16.98%
Peer Avg: 6.48%
#2 of 21 Top 4.8% in 10B+ tier
2
AMR Growth Rate
growth
Value: 9.07%
Peer Avg: 2.80%
#2 of 21 Top 4.8% in 10B+ tier
3
First Mortgage Concentration (%)
balance_sheet
Value: 27.26%
Peer Avg: 41.28%
#3 of 21 Top 9.5% in 10B+ tier
4
Share Certificate Concentration (%)
balance_sheet
Value: 25.53%
Peer Avg: 31.91%
#4 of 21 Top 14.3% in 10B+ tier
6
Loan Growth Rate
growth
Value: 9.23%
Peer Avg: 6.37%
#6 of 21 Top 23.8% in 10B+ tier
6
Net Charge-Off Rate
risk
Value: 0.45%
Peer Avg: 0.85%
#6 of 21 Top 23.8% in 10B+ tier

Top Weaknesses (5 metrics)

21
Efficiency Ratio
profitability
Value: 80.57%
Peer Avg: 64.29%
#21 of 21 Bottom 4.8% in 10B+ tier
21
Indirect Auto Concentration (%)
balance_sheet
Value: 35.35%
Peer Avg: 14.25%
#21 of 21 Bottom 4.8% in 10B+ tier
19
Return on Assets (ROA)
profitability
Value: 0.24%
Peer Avg: 0.76%
#19 of 21 Bottom 14.3% in 10B+ tier
18
Total Assets
balance_sheet
Value: $13.04B
Peer Avg: $28.72B
#18 of 21 Bottom 19.0% in 10B+ tier
18
Total Loans
balance_sheet
Value: $10.53B
Peer Avg: $21.09B
#18 of 21 Bottom 19.0% in 10B+ tier