ZIA

Charter #60467 | NM

100M-500M (1077 CUs) Micro
5 100M-500M in NM

ZIA has 9 strengths but faces 3 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 3.5% in tier
  • + Organic Growth Engine: Top 9.5% in tier
  • + Relationship Depth Leader: Top 11.2% in tier
  • + Wallet Share Momentum: Top 18.2% in tier
  • + ROA 0.01% above tier average
  • + Net Interest Margin 0.19% above tier average
  • + Strong member growth: 7.1% YoY
  • + Member Growth Rate: Top 5.5% in tier
  • + Loan Growth Rate: Top 6.5% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 26.1% in tier
  • - Net Worth Ratio: Bottom 4.7% in tier
  • - Members Per Employee (MPE): Bottom 5.6% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (NM) National Avg Tier Percentile
Members 13,789
+7.1% YoY+2.0% QoQ
 -1.8K 15,628
-3.4% YoY
 30,510
+9.1% YoY
 33,089
+6.1% YoY
 52nd in tier
Assets $255.1M
+10.1% YoY+0.7% QoQ
 +$23.8M $231.3M
-0.0% YoY
 $545.3M
+12.6% YoY
 $547.7M
+7.8% YoY
 66th in tier
Loans $200.4M
+15.6% YoY+6.5% QoQ
 +$52.6M $147.8M
-1.4% YoY
 $367.9M
+14.8% YoY
 $388.7M
+8.6% YoY
 Top 24.7% in tier
Deposits $234.7M
+9.5% YoY+0.4% QoQ
 +$34.4M $200.3M
-0.0% YoY
 $461.5M
+14.0% YoY
 $464.6M
+9.3% YoY
 68th in tier
ROA 0.8%
+52.7% YoY-3.4% QoQ
 +0.0% 0.8%
+15.5% YoY
 0.9%
+49.5% YoY
 0.7%
+273.4% YoY
 53rd in tier
NIM 3.8%
+7.1% YoY+1.2% QoQ
 +0.2% 3.6%
+6.9% YoY
 3.9%
+6.9% YoY
 3.7%
+5.0% YoY
 61st in tier
Efficiency Ratio 75.3%
-11.1% YoY-3.1% QoQ
 -2.0% 77.3%
-3.0% YoY
 73.5%
-8.8% YoY
 79.1%
-3.3% YoY
 43rd in tier
Delinquency Rate 0.5%
-2.8% YoY+9.2% QoQ
 -0.4 0.9%
+7.6% YoY
 1.1%
+5.6% YoY
 1.2%
-0.9% YoY
 36th in tier
Loan To Share 85.4%
+5.5% YoY+6.2% QoQ
 +12.7% 72.7%
-1.5% YoY
 71.6%
-0.2% YoY
 68.0%
-1.7% YoY
 Top 24.5% in tier
AMR $31,556
+4.8% YoY+1.1% QoQ
 +$7K $24,363
+2.9% YoY
 $20,672
+6.3% YoY
 $19,418
+1.3% YoY
 Top 13.5% in tier
CD Concentration 30.9%
+8.4% YoY+0.3% QoQ
 +6.5% 24.4%
+4.2% YoY
 24.3%
+4.3% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 15.2%
+10.3% YoY+18.6% QoQ
 +1.2% 14.0%
-5.8% YoY
 14.5%
+3.5% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (4)

Organic Growth Leader

growth
#47 of 430 • Top 3.5% in tier

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

Why This Signature
Member Growth (YoY): 7.13%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 1077 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank improving

Organic Growth Engine

growth
#174 of 603 • Top 9.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 7.13%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.80%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 15.19%
(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 improving

Relationship Depth Leader

growth
#309 of 1006 • Top 11.2% in tier

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

Why This Signature
AMR Growth (YoY): 4.78%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.2K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Wallet Share Momentum

growth
#501 of 1006 • Top 18.2% in tier

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

Why This Signature
AMR Growth (YoY): 4.78%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Concerns (1)

Indirect Auto Dependency

risk
#420 of 525 • Bottom 26.1% in tier

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

Why This Signature
Asset Growth (YoY): 10.13%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 15.19%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 7.13%
(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 | New qualifier

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)

60
Member Growth Rate
growth
Value: 7.13%
Peer Avg: 0.72%
#60 of 1077 Top 5.5% in 100M-500M tier
71
Loan Growth Rate
growth
Value: 15.59%
Peer Avg: 3.45%
#71 of 1077 Top 6.5% in 100M-500M tier
119
Asset Growth Rate
growth
Value: 10.13%
Peer Avg: 4.70%
#119 of 1077 Top 11.0% in 100M-500M tier
128
Loan-to-Member Ratio (LMR)
engagement
Value: $14,532
Peer Avg: $10,245
#128 of 1077 Top 11.8% in 100M-500M tier
137
Deposit Growth Rate
growth
Value: 9.55%
Peer Avg: 4.69%
#137 of 1077 Top 12.6% in 100M-500M tier
145
Average Member Relationship (AMR)
engagement
Value: $31,556
Peer Avg: $24,363
#145 of 1077 Top 13.4% in 100M-500M tier
170
Fee Income Per Member
profitability
Value: $239.57
Peer Avg: $174.31
#170 of 1077 Top 15.7% in 100M-500M tier
264
Loan-to-Share Ratio
balance_sheet
Value: 85.37%
Peer Avg: 72.70%
#264 of 1077 Top 24.4% in 100M-500M tier
266
Total Loans
balance_sheet
Value: $200.38M
Peer Avg: $147.80M
#266 of 1077 Top 24.6% in 100M-500M tier

Top Weaknesses (3 metrics)

1027
Net Worth Ratio
risk
Value: 8.11%
Peer Avg: 12.15%
#1027 of 1077 Bottom 4.7% in 100M-500M tier
1018
Members Per Employee (MPE)
engagement
Value: 208.924
Peer Avg: 332.881
#1018 of 1077 Bottom 5.6% in 100M-500M tier
809
Share Certificate Concentration (%)
balance_sheet
Value: 30.93%
Peer Avg: 23.61%
#809 of 1077 Bottom 25.0% in 100M-500M tier