DUTCH POINT

Charter #60457 | CT

500M-750M (169 CUs) Community (281 CUs)
2 500M-750M in CT

DUTCH POINT has 6 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 7.6% in tier
  • + Wallet Share Momentum: Top 8.7% in tier
  • + Organic Growth Engine: Top 21.8% in tier
  • + Organic Growth Leader: Top 25.4% in tier
  • + ROA 0.21% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

  • - Growth-at-Risk: Bottom 6.7% in tier
  • - Credit Quality Pressure: Bottom 15.6% in tier
  • - Share Certificate Concentration (%): Bottom 4.7% in tier
  • - Total Members: Bottom 6.5% in tier
  • - Total Loans: Bottom 7.1% in tier
  • - Loan-to-Share Ratio: Bottom 9.5% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CT) National Avg Tier Percentile
Members 24,392
+1.3% YoY+0.6% QoQ
 -15.4K 39,752
-2.7% YoY
 13,754
+3.9% YoY
 33,089
+6.1% YoY
 Bottom 5.9% in tier
Assets $529.6M
+7.3% YoY-0.6% QoQ
 $-92.8M $622.4M
+0.3% YoY
 $223.0M
+8.2% YoY
 $547.7M
+7.8% YoY
 Bottom 13.6% in tier
Loans $284.6M
+11.7% YoY+7.2% QoQ
 $-151.4M $435.9M
-0.4% YoY
 $129.0M
+9.8% YoY
 $388.7M
+8.6% YoY
 Bottom 6.5% in tier
Deposits $469.0M
+7.1% YoY-0.9% QoQ
 $-69.0M $538.0M
+1.3% YoY
 $195.5M
+7.9% YoY
 $464.6M
+9.3% YoY
 Bottom 15.4% in tier
ROA 0.9%
-0.9% YoY+8.2% QoQ
 +0.2% 0.7%
+33.9% YoY
 0.4%
-140.5% YoY
 0.7%
+273.4% YoY
 68th in tier
NIM 2.8%
+7.6% YoY+3.0% QoQ
 -0.6% 3.4%
+8.6% YoY
 3.6%
+5.0% YoY
 3.7%
+5.0% YoY
 Bottom 13.6% in tier
Efficiency Ratio 72.4%
+0.1% YoY-1.1% QoQ
 -5.7% 78.1%
-3.4% YoY
 85.8%
+0.7% YoY
 79.1%
-3.3% YoY
 Bottom 23.7% in tier
Delinquency Rate 0.3%
+116.3% YoY-17.7% QoQ
 -0.5 0.8%
-4.9% YoY
 1.2%
+0.2% YoY
 1.2%
-0.9% YoY
 Bottom 18.9% in tier
Loan To Share 60.7%
+4.4% YoY+8.2% QoQ
 -20.4% 81.0%
-1.8% YoY
 56.5%
+1.7% YoY
 68.0%
-1.7% YoY
 Bottom 8.9% in tier
AMR $30,895
+7.4% YoY+1.3% QoQ
 +$4K $26,482
+2.6% YoY
 $16,763
+4.9% YoY
 $19,418
+1.3% YoY
 Top 20.1% in tier
CD Concentration 41.4%
+7.1% YoY+4.1% QoQ
 +16.9% 24.4%
+4.2% YoY
 14.4%
+16.9% YoY
 19.6%
+6.2% YoY
 Top 5.6% in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 5.3%
-6.5% YoY
 7.9%
-2.9% YoY
 Bottom 0.0% in tier

Signature Analysis

Strengths (4)

Relationship Depth Leader

growth
#211 of 1006 • Top 7.6% in tier

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

Why This Signature
AMR Growth (YoY): 7.43%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.8K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Wallet Share Momentum

growth
#240 of 1006 • Top 8.7% in tier

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

Why This Signature
AMR Growth (YoY): 7.43%
(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 improving

Organic Growth Engine

growth
#400 of 603 • Top 21.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.27%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.87%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 0.00%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Organic Growth Leader

growth
#336 of 430 • Top 25.4% in tier

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

Why This Signature
Member Growth (YoY): 1.27%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 281 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | New qualifier

Concerns (2)

Growth-at-Risk

risk
#101 of 446 • Bottom 6.7% in tier

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

Why This Signature
Loan Growth (YoY): 11.74%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.18% 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 improving

Credit Quality Pressure

risk
#386 of 736 • Bottom 15.6% in tier

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

Why This Signature
Delinquency Change (YoY): 0.18% 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 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 (8 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 16.19%
#1 of 169 Top 0.0% in 500M-750M tier
20
Loan Growth Rate
growth
Value: 11.74%
Peer Avg: 4.04%
#20 of 169 Top 11.2% in 500M-750M tier
31
AMR Growth Rate
growth
Value: 7.43%
Peer Avg: 3.12%
#31 of 169 Top 17.8% in 500M-750M tier
33
Total Delinquency Rate (60+ days)
risk
Value: 0.33%
Peer Avg: 0.80%
#33 of 169 Top 18.9% in 500M-750M tier
34
Average Member Relationship (AMR)
engagement
Value: $30,895
Peer Avg: $26,482
#34 of 169 Top 19.5% in 500M-750M tier
35
Net Charge-Off Rate
risk
Value: 0.17%
Peer Avg: 0.51%
#35 of 169 Top 20.1% in 500M-750M tier
37
Asset Growth Rate
growth
Value: 7.31%
Peer Avg: 4.33%
#37 of 169 Top 21.3% in 500M-750M tier
41
Efficiency Ratio
profitability
Value: 72.36%
Peer Avg: 78.10%
#41 of 169 Top 23.7% in 500M-750M tier

Top Weaknesses (8 metrics)

162
Share Certificate Concentration (%)
balance_sheet
Value: 41.35%
Peer Avg: 26.87%
#162 of 169 Bottom 4.7% in 500M-750M tier
159
Total Members
engagement
Value: 24,392
Peer Avg: 39,752
#159 of 169 Bottom 6.5% in 500M-750M tier
158
Total Loans
balance_sheet
Value: $284.57M
Peer Avg: $435.95M
#158 of 169 Bottom 7.1% in 500M-750M tier
154
Loan-to-Share Ratio
balance_sheet
Value: 60.67%
Peer Avg: 81.02%
#154 of 169 Bottom 9.5% in 500M-750M tier
146
Net Interest Margin (NIM)
profitability
Value: 2.84%
Peer Avg: 3.43%
#146 of 169 Bottom 14.2% in 500M-750M tier
146
Total Assets
balance_sheet
Value: $529.58M
Peer Avg: $622.38M
#146 of 169 Bottom 14.2% in 500M-750M tier
143
Total Deposits
balance_sheet
Value: $469.03M
Peer Avg: $538.02M
#143 of 169 Bottom 16.0% in 500M-750M tier
140
First Mortgage Concentration (%)
balance_sheet
Value: 47.22%
Peer Avg: 33.53%
#140 of 169 Bottom 17.8% in 500M-750M tier