O BEE

Charter #60059 | WA

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

O BEE has 6 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 9.1% in tier
  • + Wallet Share Momentum: Top 18.0% in tier
  • + Organic Growth Engine: Top 22.8% in tier
  • + Net Interest Margin 0.91% above tier average
  • + Loan-to-Share Ratio: Top 2.4% in tier
  • + Total Loans: Top 6.5% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 2.6% in tier
  • - Growth-at-Risk: Bottom 18.9% in tier
  • - Credit Quality Pressure: Bottom 23.0% in tier
  • - Indirect Auto Dependency: Bottom 24.2% in tier
  • - ROA 0.06% below tier average
  • - Delinquency rate 0.08% above tier average
  • - Members Per Employee (MPE): Bottom 8.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (WA) National Avg Tier Percentile
Members 35,860
+3.4% YoY+0.9% QoQ
 -3.9K 39,752
-2.7% YoY
 65,720
+2.5% YoY
 33,089
+6.1% YoY
 43rd in tier
Assets $649.1M
+5.2% YoY+1.9% QoQ
 +$26.7M $622.4M
+0.3% YoY
 $1.2B
+3.7% YoY
 $547.7M
+7.8% YoY
 61st in tier
Loans $576.9M
+8.2% YoY+0.9% QoQ
 +$141.0M $435.9M
-0.4% YoY
 $909.1M
+5.1% YoY
 $388.7M
+8.6% YoY
 Top 7.1% in tier
Deposits $555.2M
+8.5% YoY+4.7% QoQ
 +$17.1M $538.0M
+1.3% YoY
 $1.0B
+6.5% YoY
 $464.6M
+9.3% YoY
 61st in tier
ROA 0.6%
+74.8% YoY+51.1% QoQ
 -0.1% 0.7%
+33.9% YoY
 0.6%
+9.9% YoY
 0.7%
+273.4% YoY
 48th in tier
NIM 4.3%
+14.5% YoY+3.2% QoQ
 +0.9% 3.4%
+8.6% YoY
 3.7%
+4.7% YoY
 3.7%
+5.0% YoY
 Top 5.3% in tier
Efficiency Ratio 75.6%
-14.4% YoY-3.3% QoQ
 -2.5% 78.1%
-3.4% YoY
 76.4%
-1.1% YoY
 79.1%
-3.3% YoY
 36th in tier
Delinquency Rate 0.9%
+7.1% YoY+69.0% QoQ
 +0.1 0.8%
-4.9% YoY
 0.9%
-2.6% YoY
 1.2%
-0.9% YoY
 68th in tier
Loan To Share 103.9%
-0.3% YoY-3.6% QoQ
 +22.9% 81.0%
-1.8% YoY
 76.9%
-2.2% YoY
 68.0%
-1.7% YoY
 Top 3.0% in tier
AMR $31,569
+4.8% YoY+1.8% QoQ
 +$5K $26,482
+2.6% YoY
 $28,761
+2.7% YoY
 $19,418
+1.3% YoY
 Top 17.8% in tier
CD Concentration 34.0%
-8.2% YoY-1.6% QoQ
 +9.6% 24.4%
+4.2% YoY
 22.3%
+2.5% YoY
 19.6%
+6.2% YoY
 Top 18.4% in tier
Indirect Auto % 21.6%
-1.4% YoY+5.0% QoQ
 +7.7% 14.0%
-5.8% YoY
 17.1%
-8.4% YoY
 7.9%
-2.9% YoY
 73rd in tier

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth
#252 of 1006 • Top 9.1% in tier

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

Why This Signature
AMR Growth (YoY): 4.83%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.5K
(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 worsening

Wallet Share Momentum

growth
#497 of 1006 • Top 18.0% in tier

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

Why This Signature
AMR Growth (YoY): 4.83%
(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 worsening

Organic Growth Engine

growth
#418 of 603 • Top 22.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 3.35%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.60%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 21.64%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Concerns (4)

Liquidity Strain

risk
#21 of 258 • Bottom 2.6% in tier

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

Why This Signature
Loan-to-Share Ratio: 103.92%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 8.20%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
258 of 281 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | Rank improving

Growth-at-Risk

risk
#284 of 446 • Bottom 18.9% in tier

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

Why This Signature
Loan Growth (YoY): 8.20%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.06% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 281 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | Rank worsening

Credit Quality Pressure

risk
#570 of 736 • Bottom 23.0% in tier

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

Why This Signature
Delinquency Change (YoY): 0.06% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 281 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank worsening

Indirect Auto Dependency

risk
#389 of 525 • Bottom 24.2% in tier

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

Why This Signature
Asset Growth (YoY): 5.23%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 21.64%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 3.35%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 281 Community CUs have this signature | 768 nationally
↓ Shrinking -18 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 169 peers in tier

Top Strengths (9 metrics)

5
Loan-to-Share Ratio
balance_sheet
Value: 103.92%
Peer Avg: 81.02%
#5 of 169 Top 2.4% in 500M-750M tier
9
Net Interest Margin (NIM)
profitability
Value: 4.34%
Peer Avg: 3.43%
#9 of 169 Top 4.7% in 500M-750M tier
12
Total Loans
balance_sheet
Value: $576.90M
Peer Avg: $435.95M
#12 of 169 Top 6.5% in 500M-750M tier
22
Loan-to-Member Ratio (LMR)
engagement
Value: $16,088
Peer Avg: $11,805
#22 of 169 Top 12.4% in 500M-750M tier
30
Average Member Relationship (AMR)
engagement
Value: $31,569
Peer Avg: $26,482
#30 of 169 Top 17.2% in 500M-750M tier
33
Member Growth Rate
growth
Value: 3.35%
Peer Avg: 1.75%
#33 of 169 Top 18.9% in 500M-750M tier
36
First Mortgage Concentration (%)
balance_sheet
Value: 20.56%
Peer Avg: 33.53%
#36 of 169 Top 20.7% in 500M-750M tier
38
Deposit Growth Rate
growth
Value: 8.49%
Peer Avg: 5.25%
#38 of 169 Top 21.9% in 500M-750M tier
41
Fee Income Per Member
profitability
Value: $240.40
Peer Avg: $199.27
#41 of 169 Top 23.7% in 500M-750M tier

Top Weaknesses (4 metrics)

155
Members Per Employee (MPE)
engagement
Value: 239.067
Peer Avg: 338.010
#155 of 169 Bottom 8.9% in 500M-750M tier
143
Net Worth Ratio
risk
Value: 8.71%
Peer Avg: 10.94%
#143 of 169 Bottom 16.0% in 500M-750M tier
140
Net Charge-Off Rate
risk
Value: 0.88%
Peer Avg: 0.51%
#140 of 169 Bottom 17.8% in 500M-750M tier
137
Share Certificate Concentration (%)
balance_sheet
Value: 34.04%
Peer Avg: 26.87%
#137 of 169 Bottom 19.5% in 500M-750M tier