CONSUMER

Charter #60056 | TN

500M-750M (169 CUs) Community (281 CUs)
4 500M-750M in TN

CONSUMER has 6 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 2.9% in tier
  • + Wallet Share Momentum: Top 3.7% in tier
  • + ROA 0.10% above tier average
  • + Total Delinquency Rate (60+ days): Top 0.6% in tier
  • + AMR Growth Rate: Top 6.5% in tier
  • + Net Charge-Off Rate: Top 7.1% in tier

Key Concerns

Areas that may need attention

  • - Stagnation Risk: Bottom 2.4% in tier
  • - Membership Headwinds: Bottom 8.2% in tier
  • - Flatlined Growth: Bottom 30.1% in tier
  • - Member decline: -4.5% YoY
  • - Net Interest Margin (NIM): Bottom 1.8% in tier
  • - Share Certificate Concentration (%): Bottom 3.6% in tier
  • - Member Growth Rate: Bottom 5.9% in tier
  • - First Mortgage Concentration (%): Bottom 5.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Members 31,521
-4.5% YoY-1.1% QoQ
 -8.2K 39,752
-2.7% YoY
 21,139
+4.9% YoY
 33,089
+6.1% YoY
 Bottom 20.7% in tier
Assets $634.8M
+2.0% YoY+0.6% QoQ
 +$12.4M $622.4M
+0.3% YoY
 $362.5M
+9.5% YoY
 $547.7M
+7.8% YoY
 56th in tier
Loans $477.0M
+12.0% YoY+2.6% QoQ
 +$41.1M $435.9M
-0.4% YoY
 $271.1M
+9.1% YoY
 $388.7M
+8.6% YoY
 69th in tier
Deposits $539.5M
+0.5% YoY+0.2% QoQ
 +$1.5M $538.0M
+1.3% YoY
 $303.0M
+8.7% YoY
 $464.6M
+9.3% YoY
 51st in tier
ROA 0.8%
+192.8% YoY+13.8% QoQ
 +0.1% 0.7%
+33.9% YoY
 0.8%
+4.1% YoY
 0.7%
+273.4% YoY
 57th in tier
NIM 2.1%
+34.5% YoY+3.1% QoQ
 -1.3% 3.4%
+8.6% YoY
 3.8%
+5.1% YoY
 3.7%
+5.0% YoY
 Bottom 1.2% in tier
Efficiency Ratio 71.0%
-17.8% YoY-2.9% QoQ
 -7.1% 78.1%
-3.4% YoY
 75.4%
-1.8% YoY
 79.1%
-3.3% YoY
 Bottom 19.5% in tier
Delinquency Rate 0.1%
-47.2% YoY-38.9% QoQ
 -0.7 0.8%
-4.9% YoY
 1.1%
+8.5% YoY
 1.2%
-0.9% YoY
 Bottom 0.6% in tier
Loan To Share 88.4%
+11.5% YoY+2.4% QoQ
 +7.4% 81.0%
-1.8% YoY
 70.4%
-2.4% YoY
 68.0%
-1.7% YoY
 65th in tier
AMR $32,250
+10.6% YoY+2.5% QoQ
 +$6K $26,482
+2.6% YoY
 $18,470
+2.4% YoY
 $19,418
+1.3% YoY
 Top 16.6% in tier
CD Concentration 42.1%
-2.2% YoY+1.0% QoQ
 +17.7% 24.4%
+4.2% YoY
 22.3%
+6.6% YoY
 19.6%
+6.2% YoY
 Top 4.9% in tier
Indirect Auto % 8.6%
-22.0% YoY-7.8% QoQ
 -5.4% 14.0%
-5.8% YoY
 6.9%
+1.1% YoY
 7.9%
-2.9% YoY
 51st in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth
#82 of 1006 • Top 2.9% in tier

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

Why This Signature
AMR Growth (YoY): 10.63%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.1K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Wallet Share Momentum

growth
#103 of 1006 • Top 3.7% in tier

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

Why This Signature
AMR Growth (YoY): 10.63%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Concerns (3)

Stagnation Risk

risk
#41 of 550 • Bottom 2.4% 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: 0.75%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -4.53%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $32.2K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 42.08%
(Tier: 24.41%, National: 19.60%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Membership Headwinds

decline
#136 of 550 • Bottom 8.2% in tier

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

Why This Signature
Member Growth (YoY): -4.53%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Flatlined Growth

risk
#32 of 58 • Bottom 30.1% in tier

Asset growth has flattened despite healthy profitability. May indicate a need to reassess growth strategy.

Why This Signature
Total Assets: $634.77M
(Tier: $622.38M, National: $547.69M)
but better than tier avg
Asset Growth (YoY): 1.98%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Return on Assets: 0.75%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
58 of 281 Community CUs have this signature | 82 nationally
↑ Growing +10 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 169 peers in tier

Top Strengths (7 metrics)

2
Total Delinquency Rate (60+ days)
risk
Value: 0.09%
Peer Avg: 0.80%
#2 of 169 Top 0.6% in 500M-750M tier
12
AMR Growth Rate
growth
Value: 10.63%
Peer Avg: 3.12%
#12 of 169 Top 6.5% in 500M-750M tier
13
Net Charge-Off Rate
risk
Value: 0.07%
Peer Avg: 0.51%
#13 of 169 Top 7.1% in 500M-750M tier
18
Loan Growth Rate
growth
Value: 12.04%
Peer Avg: 4.04%
#18 of 169 Top 10.1% in 500M-750M tier
24
Loan-to-Member Ratio (LMR)
engagement
Value: $15,134
Peer Avg: $11,805
#24 of 169 Top 13.6% in 500M-750M tier
28
Average Member Relationship (AMR)
engagement
Value: $32,250
Peer Avg: $26,482
#28 of 169 Top 16.0% in 500M-750M tier
34
Efficiency Ratio
profitability
Value: 71.02%
Peer Avg: 78.10%
#34 of 169 Top 19.5% in 500M-750M tier

Top Weaknesses (7 metrics)

167
Net Interest Margin (NIM)
profitability
Value: 2.13%
Peer Avg: 3.43%
#167 of 169 Bottom 1.8% in 500M-750M tier
164
Share Certificate Concentration (%)
balance_sheet
Value: 42.08%
Peer Avg: 26.87%
#164 of 169 Bottom 3.6% in 500M-750M tier
160
Member Growth Rate
growth
Value: -4.53%
Peer Avg: 1.75%
#160 of 169 Bottom 5.9% in 500M-750M tier
160
First Mortgage Concentration (%)
balance_sheet
Value: 58.46%
Peer Avg: 33.53%
#160 of 169 Bottom 5.9% in 500M-750M tier
139
Fee Income Per Member
profitability
Value: $138.28
Peer Avg: $199.27
#139 of 169 Bottom 18.3% in 500M-750M tier
135
Deposit Growth Rate
growth
Value: 0.52%
Peer Avg: 5.25%
#135 of 169 Bottom 20.7% in 500M-750M tier
134
Total Members
engagement
Value: 31,521
Peer Avg: 39,752
#134 of 169 Bottom 21.3% in 500M-750M tier