PATRIOT EQUITY
Charter #60082 | TN
<100M
(2596 CUs)
Micro
($0-$500M)
88 <100M in TN
PATRIOT EQUITY faces 12 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.89% below tier average
- - Delinquency rate 1.14% above tier average
- - Member decline: -9.8% YoY
- - Loan Growth Rate: Bottom 3.6% in tier
- - Net Charge-Off Rate: Bottom 4.6% in tier
- - Indirect Auto Concentration (%): Bottom 5.3% in tier
- - Asset Growth Rate: Bottom 5.4% in tier
- - Deposit Growth Rate: Bottom 6.0% in tier
- - Member Growth Rate: Bottom 6.1% in tier
- - Share Certificate Concentration (%): Bottom 8.4% in tier
- - AMR Growth Rate: Bottom 8.8% in tier
- - First Mortgage Concentration (%): Bottom 10.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,207
-9.8% YoY-2.0% QoQ
|
-418 |
2,625
-2.2% YoY
|
21,139
+4.9% YoY
|
33,089
+6.1% YoY
|
56th in tier |
| Assets |
$33.5M
-10.0% YoY-10.1% QoQ
|
+$3.6M |
$29.9M
+1.1% YoY
|
$362.5M
+9.5% YoY
|
$547.7M
+7.8% YoY
|
64th in tier |
| Loans |
$20.6M
-26.0% YoY-7.8% QoQ
|
+$4.8M |
$15.8M
-2.4% YoY
|
$271.1M
+9.1% YoY
|
$388.7M
+8.6% YoY
|
71st in tier |
| Deposits |
$29.8M
-11.2% YoY-11.1% QoQ
|
+$4.3M |
$25.5M
+0.4% YoY
|
$303.0M
+8.7% YoY
|
$464.6M
+9.3% YoY
|
65th in tier |
| ROA |
-0.2%
-91.3% YoY-220.2% QoQ
|
-0.9% |
0.7%
-731.4% YoY
|
0.8%
+4.1% YoY
|
0.7%
+273.4% YoY
|
Bottom 12.4% in tier |
| NIM |
3.8%
-4.6% YoY+9.8% QoQ
|
-0.1% |
3.9%
+3.8% YoY
|
3.8%
+5.1% YoY
|
3.7%
+5.0% YoY
|
46th in tier |
| Efficiency Ratio |
69.3%
-21.3% YoY+16.8% QoQ
|
-12.1% |
81.4%
-2.4% YoY
|
75.4%
-1.8% YoY
|
79.1%
-3.3% YoY
|
30th in tier |
| Delinquency Rate |
2.6%
-34.5% YoY-38.9% QoQ
|
+1.1 |
1.5%
-2.0% YoY
|
1.1%
+8.5% YoY
|
1.2%
-0.9% YoY
|
Top 14.1% in tier |
| Loan To Share |
69.2%
-16.7% YoY+3.7% QoQ
|
+7.9% |
61.2%
-3.0% YoY
|
70.4%
-2.4% YoY
|
68.0%
-1.7% YoY
|
61st in tier |
| AMR |
$22,808
-9.0% YoY-8.0% QoQ
|
+$8K |
$14,627
-2.7% YoY
|
$18,470
+2.4% YoY
|
$19,418
+1.3% YoY
|
Top 12.4% in tier |
| CD Concentration |
38.7%
+7.1% YoY+2.5% QoQ
|
+14.3% |
24.4%
+4.2% YoY
|
22.3%
+6.6% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % |
22.4%
-17.9% YoY-5.9% QoQ
|
+8.4% |
14.0%
-5.8% YoY
|
6.9%
+1.1% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (3 metrics)
286
Loan-to-Member Ratio (LMR)
engagement
Value:
$9,326
Peer Avg: $5,488
#286 of 2596
Top 11.0% in <100M tier
321
Average Member Relationship (AMR)
engagement
Value:
$22,808
Peer Avg: $14,627
#321 of 2596
Top 12.3% in <100M tier
359
Fee Income Per Member
profitability
Value:
$153.26
Peer Avg: $182.96
#359 of 2596
Top 13.8% in <100M tier
Top Weaknesses (11 metrics)
2503
Loan Growth Rate
growth
Value:
-26.03%
Peer Avg: 59.01%
#2503 of 2596
Bottom 3.6% in <100M tier
2478
Net Charge-Off Rate
risk
Value:
2.38%
Peer Avg: 0.57%
#2478 of 2596
Bottom 4.6% in <100M tier
2460
Indirect Auto Concentration (%)
balance_sheet
Value:
22.38%
Peer Avg: 2.84%
#2460 of 2596
Bottom 5.3% in <100M tier
2456
Asset Growth Rate
growth
Value:
-10.01%
Peer Avg: 1.82%
#2456 of 2596
Bottom 5.4% in <100M tier
2440
Deposit Growth Rate
growth
Value:
-11.17%
Peer Avg: 16.80%
#2440 of 2596
Bottom 6.0% in <100M tier
2438
Member Growth Rate
growth
Value:
-9.81%
Peer Avg: 14.92%
#2438 of 2596
Bottom 6.1% in <100M tier
2380
Share Certificate Concentration (%)
balance_sheet
Value:
38.69%
Peer Avg: 15.37%
#2380 of 2596
Bottom 8.4% in <100M tier
2368
AMR Growth Rate
growth
Value:
-8.99%
Peer Avg: 4.67%
#2368 of 2596
Bottom 8.8% in <100M tier
2338
First Mortgage Concentration (%)
balance_sheet
Value:
44.94%
Peer Avg: 14.49%
#2338 of 2596
Bottom 10.0% in <100M tier
2275
Return on Assets (ROA)
profitability
Value:
-0.20%
Peer Avg: 0.68%
#2275 of 2596
Bottom 12.4% in <100M tier