MATANUSKA VALLEY

Charter #5924 | AK

1B-3B (304 CUs) Mid-Market (380 CUs)
2 1B-3B in AK

MATANUSKA VALLEY has 7 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 1.9% in tier
  • + Organic Growth Engine: Top 9.5% in tier
  • + Relationship Depth Leader: Top 15.7% in tier
  • + Wallet Share Momentum: Top 24.2% in tier
  • + ROA 0.40% above tier average
  • + Net Interest Margin 0.35% above tier average
  • + Strong member growth: 5.0% YoY

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 5.0% in tier
  • - Growth-at-Risk: Bottom 5.4% in tier
  • - Credit Quality Pressure: Bottom 6.3% in tier
  • - Delinquency rate 0.13% above tier average
  • - Total Assets: Bottom 1.6% in tier
  • - Total Loans: Bottom 3.0% in tier
  • - Total Deposits: Bottom 5.6% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (AK) National Avg Tier Percentile
Members 64,628
+5.0% YoY+1.6% QoQ
 -34.1K 98,678
-1.9% YoY
 113,900
+3.3% YoY
 33,089
+6.1% YoY
 Bottom 19.1% in tier
Assets $1.0B
+9.4% YoY+3.9% QoQ
 $-704.5M $1.7B
+0.5% YoY
 $1.8B
+11.8% YoY
 $547.7M
+7.8% YoY
 Bottom 1.3% in tier
Loans $585.0M
+7.1% YoY+1.5% QoQ
 $-648.0M $1.2B
+0.5% YoY
 $1.5B
+8.8% YoY
 $388.7M
+8.6% YoY
 Bottom 2.6% in tier
Deposits $889.2M
+9.3% YoY+3.9% QoQ
 $-565.1M $1.5B
+1.3% YoY
 $1.6B
+14.4% YoY
 $464.6M
+9.3% YoY
 Bottom 5.3% in tier
ROA 1.1%
+7.0% YoY+1.9% QoQ
 +0.4% 0.7%
+13.4% YoY
 0.6%
+34.6% YoY
 0.7%
+273.4% YoY
 Top 17.4% in tier
NIM 3.6%
+5.9% YoY-0.0% QoQ
 +0.3% 3.3%
+9.3% YoY
 4.2%
+5.6% YoY
 3.7%
+5.0% YoY
 74th in tier
Efficiency Ratio 67.3%
+1.9% YoY-2.8% QoQ
 -6.7% 74.0%
-10.9% YoY
 78.1%
-3.3% YoY
 79.1%
-3.3% YoY
 Bottom 24.3% in tier
Delinquency Rate 1.0%
+45.0% YoY+23.0% QoQ
 +0.1 0.8%
+6.1% YoY
 0.8%
-14.6% YoY
 1.2%
-0.9% YoY
 74th in tier
Loan To Share 65.8%
-2.0% YoY-2.3% QoQ
 -19.4% 85.2%
-0.8% YoY
 77.0%
-0.7% YoY
 68.0%
-1.7% YoY
 Bottom 12.5% in tier
AMR $22,812
+3.2% YoY+1.3% QoQ
 $-6K $29,172
+2.8% YoY
 $25,886
+3.8% YoY
 $19,418
+1.3% YoY
 Bottom 19.7% in tier
CD Concentration 23.8%
+3.0% YoY-1.1% QoQ
 -5.2% 29.0%
+0.8% YoY
 21.9%
+3.2% YoY
 19.6%
+6.2% YoY
 26th in tier
Indirect Auto % 34.7%
+8.5% YoY+2.7% QoQ
 +15.9% 18.8%
-2.8% YoY
 15.6%
-2.3% YoY
 7.9%
-2.9% YoY
 Top 17.4% in tier

Signature Analysis

Strengths (4)

Emerging Performer

growth
#11 of 184 • Top 1.9% in tier

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

Why This Signature
Return on Assets: 1.10%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Member Growth (YoY): 5.03%
(Tier: 3.18%, National: 9.37%)
better than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | New qualifier

Organic Growth Engine

growth
#70 of 246 • Top 9.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 5.03%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 1.10%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 34.73%
(Tier: 18.80%, National: 7.90%)
but worse than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank improving

Relationship Depth Leader

growth
#114 of 264 • Top 15.7% in tier

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

Why This Signature
AMR Growth (YoY): 3.18%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.7K
(Tier: $3.1K, National: $2.0K)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Wallet Share Momentum

growth
#176 of 264 • Top 24.2% in tier

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

Why This Signature
AMR Growth (YoY): 3.18%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Concerns (3)

Indirect Auto Dependency

risk
#32 of 202 • Bottom 5.0% in tier

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

Why This Signature
Asset Growth (YoY): 9.42%
(Tier: 5.36%, National: 3.04%)
but better than tier avg
Indirect Auto %: 34.73%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 5.03%
(Tier: 3.18%, National: 9.37%)
but better than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank improving

Growth-at-Risk

risk
#31 of 161 • Bottom 5.4% in tier

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

Why This Signature
Loan Growth (YoY): 7.06%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.30% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 CUs YoY | Rank improving

Credit Quality Pressure

risk
#49 of 217 • Bottom 6.3% in tier

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

Why This Signature
Delinquency Change (YoY): 0.30% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 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 304 peers in tier

Top Strengths (6 metrics)

49
Asset Growth Rate
growth
Value: 9.42%
Peer Avg: 4.83%
#49 of 304 Top 15.8% in 1B-3B tier
51
Deposit Growth Rate
growth
Value: 9.25%
Peer Avg: 5.58%
#51 of 304 Top 16.4% in 1B-3B tier
53
Return on Assets (ROA)
profitability
Value: 1.10%
Peer Avg: 0.70%
#53 of 304 Top 17.1% in 1B-3B tier
61
Member Growth Rate
growth
Value: 5.03%
Peer Avg: 2.20%
#61 of 304 Top 19.7% in 1B-3B tier
72
First Mortgage Concentration (%)
balance_sheet
Value: 22.68%
Peer Avg: 34.01%
#72 of 304 Top 23.4% in 1B-3B tier
75
Efficiency Ratio
profitability
Value: 67.31%
Peer Avg: 73.97%
#75 of 304 Top 24.3% in 1B-3B tier

Top Weaknesses (9 metrics)

300
Total Assets
balance_sheet
Value: $1.02B
Peer Avg: $1.72B
#300 of 304 Bottom 1.6% in 1B-3B tier
296
Total Loans
balance_sheet
Value: $585.05M
Peer Avg: $1.23B
#296 of 304 Bottom 3.0% in 1B-3B tier
288
Total Deposits
balance_sheet
Value: $889.25M
Peer Avg: $1.45B
#288 of 304 Bottom 5.6% in 1B-3B tier
272
Loan-to-Member Ratio (LMR)
engagement
Value: $9,053
Peer Avg: $13,213
#272 of 304 Bottom 10.9% in 1B-3B tier
266
Loan-to-Share Ratio
balance_sheet
Value: 65.79%
Peer Avg: 85.19%
#266 of 304 Bottom 12.8% in 1B-3B tier
263
Fee Income Per Member
profitability
Value: $139.63
Peer Avg: $210.52
#263 of 304 Bottom 13.8% in 1B-3B tier
253
Indirect Auto Concentration (%)
balance_sheet
Value: 34.73%
Peer Avg: 18.32%
#253 of 304 Bottom 17.1% in 1B-3B tier
246
Total Members
engagement
Value: 64,628
Peer Avg: 98,678
#246 of 304 Bottom 19.4% in 1B-3B tier
244
Average Member Relationship (AMR)
engagement
Value: $22,812
Peer Avg: $29,172
#244 of 304 Bottom 20.1% in 1B-3B tier