CREDIT UNION OF AMERICA

Charter #60062 | KS

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

CREDIT UNION OF AMERICA has 7 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 3.6% in tier
  • + Organic Growth Engine: Top 16.7% in tier
  • + Wallet Share Momentum: Top 26.5% in tier
  • + Relationship Depth Leader: Top 34.2% in tier
  • + ROA 0.23% above tier average
  • + Net Interest Margin 0.12% above tier average
  • + Loan-to-Share Ratio: Top 7.6% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 5.9% in tier
  • - Indirect Auto Dependency: Bottom 6.3% in tier
  • - Credit Quality Pressure: Bottom 22.5% in tier
  • - Growth-at-Risk: Bottom 22.7% in tier
  • - Liquidity Overhang: Bottom 31.8% in tier
  • - Share Certificate Concentration (%): Bottom 4.3% in tier
  • - Indirect Auto Concentration (%): Bottom 8.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Members 104,094
+4.8% YoY+1.5% QoQ
 +5.4K 98,678
-1.9% YoY
 17,915
-2.9% YoY
 33,089
+6.1% YoY
 62nd in tier
Assets $1.7B
+6.7% YoY+0.2% QoQ
 $-6.3M $1.7B
+0.5% YoY
 $244.1M
-6.9% YoY
 $547.7M
+7.8% YoY
 59th in tier
Loans $1.4B
+7.0% YoY+3.7% QoQ
 +$214.5M $1.2B
+0.5% YoY
 $175.9M
-4.8% YoY
 $388.7M
+8.6% YoY
 70th in tier
Deposits $1.4B
+8.5% YoY-0.0% QoQ
 $-57.2M $1.5B
+1.3% YoY
 $209.0M
-2.4% YoY
 $464.6M
+9.3% YoY
 56th in tier
ROA 0.9%
+16.1% YoY+9.3% QoQ
 +0.2% 0.7%
+13.4% YoY
 0.7%
+53.0% YoY
 0.7%
+273.4% YoY
 72nd in tier
NIM 3.4%
+3.6% YoY+2.4% QoQ
 +0.1% 3.3%
+9.3% YoY
 4.0%
+8.4% YoY
 3.7%
+5.0% YoY
 56th in tier
Efficiency Ratio 72.0%
-2.6% YoY-2.0% QoQ
 -2.0% 74.0%
-10.9% YoY
 77.0%
-6.2% YoY
 79.1%
-3.3% YoY
 38th in tier
Delinquency Rate 0.6%
+7.2% YoY+3.3% QoQ
 -0.2 0.8%
+6.1% YoY
 1.2%
-23.8% YoY
 1.2%
-0.9% YoY
 44th in tier
Loan To Share 103.6%
-1.4% YoY+3.7% QoQ
 +18.4% 85.2%
-0.8% YoY
 71.9%
-2.0% YoY
 68.0%
-1.7% YoY
 Top 7.9% in tier
AMR $27,328
+2.8% YoY+0.3% QoQ
 $-2K $29,172
+2.8% YoY
 $16,347
+1.3% YoY
 $19,418
+1.3% YoY
 49th in tier
CD Concentration 45.8%
+2.3% YoY+0.7% QoQ
 +16.8% 29.0%
+0.8% YoY
 24.2%
-2.2% YoY
 19.6%
+6.2% YoY
 Top 5.0% in tier
Indirect Auto % 41.4%
+4.9% YoY+0.6% QoQ
 +22.6% 18.8%
-2.8% YoY
 12.4%
-5.6% YoY
 7.9%
-2.9% YoY
 Top 10.0% in tier

Signature Analysis

Strengths (4)

Emerging Performer

growth
#20 of 184 • Top 3.6% in tier

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

Why This Signature
Return on Assets: 0.94%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Member Growth (YoY): 4.78%
(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 | Rank improving

Organic Growth Engine

growth
#122 of 246 • Top 16.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 4.78%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 0.94%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 41.44%
(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 worsening

Wallet Share Momentum

growth
#192 of 264 • Top 26.5% in tier

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

Why This Signature
AMR Growth (YoY): 2.82%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#248 of 264 • Top 34.2% in tier

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

Why This Signature
AMR Growth (YoY): 2.82%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $1.9K
(Tier: $3.1K, National: $2.0K)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Concerns (5)

Liquidity Strain

risk
#32 of 183 • Bottom 5.9% in tier

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

Why This Signature
Loan-to-Share Ratio: 103.61%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 6.98%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY | Rank worsening

Indirect Auto Dependency

risk
#40 of 202 • Bottom 6.3% in tier

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

Why This Signature
Asset Growth (YoY): 6.68%
(Tier: 5.36%, National: 3.04%)
but better than tier avg
Indirect Auto %: 41.44%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 4.78%
(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

Credit Quality Pressure

risk
#173 of 217 • Bottom 22.5% in tier

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

Why This Signature
Delinquency Change (YoY): 0.04% points
(Tier: 0.07% points, National: 0.07% points)
but better than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank improving

Growth-at-Risk

risk
#127 of 161 • Bottom 22.7% in tier

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

Why This Signature
Loan Growth (YoY): 6.98%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.04% points
(Tier: 0.07% points, National: 0.07% points)
but better than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 CUs YoY | Rank worsening

Liquidity Overhang

risk
#103 of 113 • Bottom 31.8% 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: 12.76%
(Tier: 11.30%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 103.61%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
113 of 380 Mid-Market CUs have this signature | 691 nationally
↑ Growing +9 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 304 peers in tier

Top Strengths (4 metrics)

24
Loan-to-Share Ratio
balance_sheet
Value: 103.61%
Peer Avg: 85.19%
#24 of 304 Top 7.6% in 1B-3B tier
67
Deposit Growth Rate
growth
Value: 8.52%
Peer Avg: 5.58%
#67 of 304 Top 21.7% in 1B-3B tier
67
Net Worth Ratio
risk
Value: 12.76%
Peer Avg: 11.44%
#67 of 304 Top 21.7% in 1B-3B tier
69
Member Growth Rate
growth
Value: 4.78%
Peer Avg: 2.20%
#69 of 304 Top 22.4% in 1B-3B tier

Top Weaknesses (2 metrics)

292
Share Certificate Concentration (%)
balance_sheet
Value: 45.83%
Peer Avg: 28.53%
#292 of 304 Bottom 4.3% in 1B-3B tier
278
Indirect Auto Concentration (%)
balance_sheet
Value: 41.44%
Peer Avg: 18.32%
#278 of 304 Bottom 8.9% in 1B-3B tier