ASSOCIATED HEALTHCARE
Charter #60466 | MN
ASSOCIATED HEALTHCARE has 5 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 17.8% in tier
- + Wallet Share Momentum: Top 27.4% in tier
- + Relationship Depth Leader: Top 32.3% in tier
- + ROA 0.18% above tier average
- + Members Per Employee (MPE): Top 4.6% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 17.4% in tier
- - Stagnation Risk: Bottom 22.8% in tier
- - Liquidity Overhang: Bottom 28.6% in tier
- - Margin Compression: Bottom 30.1% in tier
- - Membership Headwinds: Bottom 30.5% in tier
- - Institutional Decline: Bottom 31.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,420
-0.8% YoY+0.1% QoQ
|
-3.2K |
15,628
-3.4% YoY
|
26,738
+5.8% YoY
|
33,089
+6.1% YoY
|
44th in tier |
| Assets |
$169.7M
+5.4% YoY+1.1% QoQ
|
$-61.6M |
$231.3M
-0.0% YoY
|
$521.2M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
39th in tier |
| Loans |
$125.2M
-1.4% YoY+1.3% QoQ
|
$-22.6M |
$147.8M
-1.4% YoY
|
$373.7M
+9.3% YoY
|
$388.7M
+8.6% YoY
|
51st in tier |
| Deposits |
$147.9M
+4.8% YoY+0.8% QoQ
|
$-52.4M |
$200.3M
-0.0% YoY
|
$429.0M
+9.5% YoY
|
$464.6M
+9.3% YoY
|
40th in tier |
| ROA |
1.0%
-10.1% YoY+9.2% QoQ
|
+0.2% |
0.8%
+15.5% YoY
|
1.4%
-35.4% YoY
|
0.7%
+273.4% YoY
|
64th in tier |
| NIM |
3.2%
-1.0% YoY+1.1% QoQ
|
-0.4% |
3.6%
+6.9% YoY
|
3.7%
+9.1% YoY
|
3.7%
+5.0% YoY
|
29th in tier |
| Efficiency Ratio |
72.4%
+1.9% YoY-0.1% QoQ
|
-4.8% |
77.3%
-3.0% YoY
|
74.2%
-2.5% YoY
|
79.1%
-3.3% YoY
|
32nd in tier |
| Delinquency Rate |
0.4%
-22.6% YoY+12.4% QoQ
|
-0.4 |
0.9%
+7.6% YoY
|
0.9%
+10.7% YoY
|
1.2%
-0.9% YoY
|
29th in tier |
| Loan To Share |
84.7%
-5.9% YoY+0.6% QoQ
|
+12.0% |
72.7%
-1.5% YoY
|
77.1%
-1.5% YoY
|
68.0%
-1.7% YoY
|
74th in tier |
| AMR |
$21,988
+2.7% YoY+1.0% QoQ
|
$-2K |
$24,363
+2.9% YoY
|
$23,275
+3.9% YoY
|
$19,418
+1.3% YoY
|
47th in tier |
| CD Concentration |
20.3%
+10.5% YoY+9.4% QoQ
|
-4.1% |
24.4%
+4.2% YoY
|
22.0%
+1.9% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % |
21.7%
-2.6% YoY-2.7% QoQ
|
+7.8% |
14.0%
-5.8% YoY
|
6.6%
-8.5% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (3)
Emerging Performer
growthProfitable credit union with positive returns. May represent growth potential worth exploring.
Wallet Share Momentum
growthAverage member relationship growing year-over-year. Members are deepening their engagement.
Relationship Depth Leader
growthAverage member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Concerns (6)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Stagnation Risk
riskMembership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.
Liquidity Overhang
riskVery high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
Margin Compression
declineStrong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)