MUNICIPAL

Charter #60153 | NY

3B-5B (76 CUs) Mid-Market (380 CUs)
4 3B-5B in NY

MUNICIPAL has 10 strengths but faces 4 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 11.0% in tier
  • + Wallet Share Momentum: Top 12.6% in tier
  • + Organic Growth Leader: Top 24.5% in tier
  • + Relationship Depth Leader: Top 27.6% in tier
  • + ROA 0.38% above tier average
  • + Net Interest Margin 1.07% above tier average
  • + Members Per Employee (MPE): Top 0.0% in tier
  • + Total Members: Top 0.0% in tier
  • + Share Certificate Concentration (%): Top 2.6% in tier
  • + Total Deposits: Top 7.9% in tier

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 0.0% in tier
  • - Delinquency rate 0.60% above tier average
  • - Average Member Relationship (AMR): Bottom 1.3% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 1.3% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Members 636,774
+2.0% YoY+0.9% QoQ
 +398.3K 238,465
+0.6% YoY
 25,964
+5.4% YoY
 33,089
+6.1% YoY
 Top 1.3% in tier
Assets $4.7B
+6.9% YoY+1.3% QoQ
 +$708.4M $4.0B
-0.1% YoY
 $471.3M
+6.4% YoY
 $547.7M
+7.8% YoY
 Top 13.2% in tier
Loans $3.0B
+12.5% YoY+5.0% QoQ
 $-3.1M $3.0B
+3.3% YoY
 $316.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 49th in tier
Deposits $4.1B
+4.9% YoY+0.8% QoQ
 +$751.8M $3.3B
+1.1% YoY
 $400.0M
+7.6% YoY
 $464.6M
+9.3% YoY
 Top 9.2% in tier
ROA 1.1%
-41.4% YoY+11.9% QoQ
 +0.4% 0.7%
+5.3% YoY
 0.9%
+294.0% YoY
 0.7%
+273.4% YoY
 74th in tier
NIM 4.3%
-0.9% YoY+0.8% QoQ
 +1.1% 3.2%
+13.7% YoY
 3.6%
+5.0% YoY
 3.7%
+5.0% YoY
 Top 6.6% in tier
Efficiency Ratio 66.8%
+6.2% YoY-4.1% QoQ
 -4.5% 71.3%
-0.6% YoY
 80.1%
-6.2% YoY
 79.1%
-3.3% YoY
 36th in tier
Delinquency Rate 1.4%
-6.9% YoY+10.3% QoQ
 +0.6 0.8%
+15.9% YoY
 1.7%
-8.3% YoY
 1.2%
-0.9% YoY
 Top 13.2% in tier
Loan To Share 73.8%
+7.3% YoY+4.1% QoQ
 -17.0% 90.8%
+2.0% YoY
 61.5%
-2.3% YoY
 68.0%
-1.7% YoY
 Bottom 9.2% in tier
AMR $11,151
+5.8% YoY+1.6% QoQ
 $-18K $29,088
+0.1% YoY
 $19,040
-21.7% YoY
 $19,418
+1.3% YoY
 Bottom 0.0% in tier
CD Concentration 12.2%
+5.2% YoY+2.2% QoQ
 -16.8% 29.0%
+0.8% YoY
 15.9%
+8.4% YoY
 19.6%
+6.2% YoY
 Bottom 4.0% in tier
Indirect Auto % 5.5%
-17.1% YoY-5.8% QoQ
 -13.3% 18.8%
-2.8% YoY
 2.6%
-3.7% YoY
 7.9%
-2.9% YoY
 26th in tier

Signature Analysis

Strengths (4)

Organic Growth Engine

growth
#81 of 246 • Top 11.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.03%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
Return on Assets: 1.12%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 5.49%
(Tier: 18.80%, National: 7.90%)
better than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#92 of 264 • Top 12.6% in tier

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

Why This Signature
AMR Growth (YoY): 5.82%
(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 | Rank improving

Organic Growth Leader

growth
#97 of 138 • Top 24.5% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 2.03%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
138 of 380 Mid-Market CUs have this signature | 608 nationally
↑ Growing +11 CUs YoY

Relationship Depth Leader

growth
#200 of 264 • Top 27.6% in tier

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

Why This Signature
AMR Growth (YoY): 5.82%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $1.2K
(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 improving

Concerns (1)

Margin Compression

decline
#1 of 24 • Bottom 0.0% in tier

Strong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.

Why This Signature
Return on Assets: 1.12%
(Tier: 0.71%, National: 0.71%)
but better than tier avg
ROA Change (YoY): -0.79% points
(Tier: 0.07% points, National: 0.05% points)
worse than tier avg
Total Assets: $4.68B
(Tier: $3.97B, National: $547.69M)
but better than tier avg
24 of 380 Mid-Market CUs have this signature | 169 nationally
↓ Shrinking -16 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 76 peers in tier

Top Strengths (11 metrics)

1
Members Per Employee (MPE)
engagement
Value: 967.742
Peer Avg: 433.941
#1 of 76 Top 0.0% in 3B-5B tier
1
Total Members
engagement
Value: 636,774
Peer Avg: 238,466
#1 of 76 Top 0.0% in 3B-5B tier
3
Share Certificate Concentration (%)
balance_sheet
Value: 12.23%
Peer Avg: 30.70%
#3 of 76 Top 2.6% in 3B-5B tier
5
Net Interest Margin (NIM)
profitability
Value: 4.27%
Peer Avg: 3.20%
#5 of 76 Top 5.3% in 3B-5B tier
7
Total Deposits
balance_sheet
Value: $4.08B
Peer Avg: $3.33B
#7 of 76 Top 7.9% in 3B-5B tier
10
Total Assets
balance_sheet
Value: $4.68B
Peer Avg: $3.97B
#10 of 76 Top 11.8% in 3B-5B tier
15
Loan Growth Rate
growth
Value: 12.48%
Peer Avg: 9.56%
#15 of 76 Top 18.4% in 3B-5B tier
16
Indirect Auto Concentration (%)
balance_sheet
Value: 5.49%
Peer Avg: 20.57%
#16 of 76 Top 19.7% in 3B-5B tier
18
AMR Growth Rate
growth
Value: 5.82%
Peer Avg: 2.07%
#18 of 76 Top 22.4% in 3B-5B tier
19
Net Worth Ratio
risk
Value: 11.75%
Peer Avg: 10.75%
#19 of 76 Top 23.7% in 3B-5B tier

Top Weaknesses (7 metrics)

76
Average Member Relationship (AMR)
engagement
Value: $11,151
Peer Avg: $29,088
#76 of 76 Bottom 1.3% in 3B-5B tier
76
Loan-to-Member Ratio (LMR)
engagement
Value: $4,736
Peer Avg: $13,761
#76 of 76 Bottom 1.3% in 3B-5B tier
69
Loan-to-Share Ratio
balance_sheet
Value: 73.83%
Peer Avg: 90.85%
#69 of 76 Bottom 10.5% in 3B-5B tier
68
Net Charge-Off Rate
risk
Value: 1.19%
Peer Avg: 0.64%
#68 of 76 Bottom 11.8% in 3B-5B tier
67
Total Delinquency Rate (60+ days)
risk
Value: 1.44%
Peer Avg: 0.84%
#67 of 76 Bottom 13.2% in 3B-5B tier
61
Fee Income Per Member
profitability
Value: $130.83
Peer Avg: $191.96
#61 of 76 Bottom 21.1% in 3B-5B tier
61
First Mortgage Concentration (%)
balance_sheet
Value: 48.47%
Peer Avg: 34.35%
#61 of 76 Bottom 21.1% in 3B-5B tier