STRATA

Charter #6032 | CA

100M-500M (1077 CUs) Micro
63 100M-500M in CA

STRATA has 3 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 29.6% in tier
  • + Net Interest Margin 0.95% above tier average
  • + Share Certificate Concentration (%): Top 8.2% in tier

Key Concerns

Areas that may need attention

  • - Cost Spiral: Bottom 4.1% in tier
  • - Shrinking Wallet Share: Bottom 11.3% in tier
  • - Deposit Outflow: Bottom 12.4% in tier
  • - Liquidity Overhang: Bottom 24.4% in tier
  • - Indirect Auto Dependency: Bottom 27.0% in tier
  • - ROA 0.26% below tier average
  • - Efficiency ratio 1.47% above tier (higher cost structure)
  • - AMR Growth Rate: Bottom 8.1% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 24,384
+1.8% YoY+0.1% QoQ
 +8.8K 15,628
-3.4% YoY
 59,606
+5.7% YoY
 33,089
+6.1% YoY
 Top 14.3% in tier
Assets $336.6M
-0.5% YoY-0.5% QoQ
 +$105.3M $231.3M
-0.0% YoY
 $1.2B
+6.2% YoY
 $547.7M
+7.8% YoY
 Top 20.8% in tier
Loans $251.3M
-1.5% YoY+0.5% QoQ
 +$103.5M $147.8M
-1.4% YoY
 $845.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 Top 14.0% in tier
Deposits $283.3M
-1.2% YoY-0.8% QoQ
 +$83.0M $200.3M
-0.0% YoY
 $1.0B
+8.8% YoY
 $464.6M
+9.3% YoY
 Top 21.8% in tier
ROA 0.5%
-63.8% YoY+34.6% QoQ
 -0.3% 0.8%
+15.5% YoY
 0.6%
+30.0% YoY
 0.7%
+273.4% YoY
 34th in tier
NIM 4.5%
+4.5% YoY+1.5% QoQ
 +0.9% 3.6%
+6.9% YoY
 3.3%
+6.5% YoY
 3.7%
+5.0% YoY
 Top 8.4% in tier
Efficiency Ratio 78.7%
+17.7% YoY-0.1% QoQ
 +1.5% 77.3%
-3.0% YoY
 79.3%
-6.2% YoY
 79.1%
-3.3% YoY
 56th in tier
Delinquency Rate 0.3%
-32.6% YoY-4.3% QoQ
 -0.5 0.9%
+7.6% YoY
 0.7%
-38.7% YoY
 1.2%
-0.9% YoY
 Bottom 20.3% in tier
Loan To Share 88.7%
-0.3% YoY+1.3% QoQ
 +16.0% 72.7%
-1.5% YoY
 68.8%
-1.5% YoY
 68.0%
-1.7% YoY
 Top 18.0% in tier
AMR $21,922
-3.1% YoY-0.2% QoQ
 $-2K $24,363
+2.9% YoY
 $28,514
+2.8% YoY
 $19,418
+1.3% YoY
 47th in tier
CD Concentration 8.3%
-22.9% YoY+2.0% QoQ
 -16.1% 24.4%
+4.2% YoY
 21.7%
+4.2% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 30.4%
-18.0% YoY-6.4% QoQ
 +16.4% 14.0%
-5.8% YoY
 9.5%
-6.9% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (1)

Organic Growth Engine

growth
#543 of 603 • Top 29.6% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.80%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.53%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 30.39%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Concerns (5)

Cost Spiral

risk
#11 of 62 • Bottom 4.1% in tier

Historically lean operator now seeing efficiency ratio rise significantly. Efficiency advantage eroding - early intervention critical.

Why This Signature
Efficiency Ratio Change: 11.87% points
(Tier: -2.84% points, National: -1.81% points)
worse than tier avg
Efficiency Ratio (Prior Year): -
(Tier: -, National: -)
Total Assets: $336.55M
(Tier: $231.30M, National: $547.69M)
but better than tier avg
62 of 1077 Community CUs have this signature | 80 nationally
↓ Shrinking -38 CUs YoY | New qualifier

Shrinking Wallet Share

decline
#114 of 244 • Bottom 11.3% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -3.06%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 1077 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY | Rank improving

Deposit Outflow

decline
#74 of 114 • Bottom 12.4% in tier

Members staying but deposits leaving. They're losing to higher-yield competitors - rate pressure is real.

Why This Signature
Deposit Growth (YoY): -1.17%
(Tier: 4.79%, National: 12.00%)
worse than tier avg
Total Assets: $336.55M
(Tier: $231.30M, National: $547.69M)
but better than tier avg
114 of 1077 Community CUs have this signature | 143 nationally
↓ Shrinking -169 CUs YoY | New qualifier

Liquidity Overhang

risk
#378 of 552 • Bottom 24.4% 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: 14.40%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 88.71%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank worsening

Indirect Auto Dependency

risk
#435 of 525 • Bottom 27.0% in tier

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

Why This Signature
Asset Growth (YoY): -0.53%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 30.39%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 1.80%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 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 1077 peers in tier

Top Strengths (9 metrics)

89
Share Certificate Concentration (%)
balance_sheet
Value: 8.29%
Peer Avg: 23.61%
#89 of 1077 Top 8.2% in 100M-500M tier
90
Net Interest Margin (NIM)
profitability
Value: 4.53%
Peer Avg: 3.58%
#90 of 1077 Top 8.3% in 100M-500M tier
151
Total Loans
balance_sheet
Value: $251.28M
Peer Avg: $147.80M
#151 of 1077 Top 13.9% in 100M-500M tier
154
Total Members
engagement
Value: 24,384
Peer Avg: 15,628
#154 of 1077 Top 14.2% in 100M-500M tier
194
Loan-to-Share Ratio
balance_sheet
Value: 88.71%
Peer Avg: 72.70%
#194 of 1077 Top 17.9% in 100M-500M tier
199
Net Worth Ratio
risk
Value: 14.40%
Peer Avg: 12.15%
#199 of 1077 Top 18.4% in 100M-500M tier
220
Total Delinquency Rate (60+ days)
risk
Value: 0.33%
Peer Avg: 0.86%
#220 of 1077 Top 20.3% in 100M-500M tier
224
Total Assets
balance_sheet
Value: $336.55M
Peer Avg: $231.30M
#224 of 1077 Top 20.7% in 100M-500M tier
235
Total Deposits
balance_sheet
Value: $283.26M
Peer Avg: $200.29M
#235 of 1077 Top 21.7% in 100M-500M tier

Top Weaknesses (5 metrics)

991
AMR Growth Rate
growth
Value: -3.06%
Peer Avg: 3.64%
#991 of 1077 Bottom 8.1% in 100M-500M tier
962
Net Charge-Off Rate
risk
Value: 0.94%
Peer Avg: 0.47%
#962 of 1077 Bottom 10.8% in 100M-500M tier
947
Deposit Growth Rate
growth
Value: -1.17%
Peer Avg: 4.69%
#947 of 1077 Bottom 12.2% in 100M-500M tier
904
Indirect Auto Concentration (%)
balance_sheet
Value: 30.39%
Peer Avg: 13.34%
#904 of 1077 Bottom 16.2% in 100M-500M tier
903
Asset Growth Rate
growth
Value: -0.53%
Peer Avg: 4.70%
#903 of 1077 Bottom 16.2% in 100M-500M tier