ASSOCIATED CREDIT UNION

Charter #60484 | GA

1B-3B (304 CUs) Mid-Market (380 CUs)
5 1B-3B in GA

ASSOCIATED CREDIT UNION has 6 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 29.4% in tier
  • + Organic Growth Leader: Top 33.2% in tier
  • + Relationship Depth Leader: Top 34.8% in tier
  • + Wallet Share Momentum: Top 35.6% in tier
  • + Net Interest Margin 0.13% above tier average
  • + Total Members: Top 9.9% in tier

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 11.5% in tier
  • - Liquidity Overhang: Bottom 20.9% in tier
  • - Credit Quality Pressure: Bottom 22.6% in tier
  • - Growth-at-Risk: Bottom 23.4% in tier
  • - ROA 0.04% below tier average
  • - Efficiency ratio 0.58% above tier (higher cost structure)
  • - Deposit Growth Rate: Bottom 8.6% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Members 157,053
+0.9% YoY+0.5% QoQ
 +58.4K 98,678
-1.9% YoY
 30,529
+3.7% YoY
 33,089
+6.1% YoY
 Top 10.2% in tier
Assets $2.2B
-0.8% YoY-2.9% QoQ
 +$508.5M $1.7B
+0.5% YoY
 $489.5M
+5.8% YoY
 $547.7M
+7.8% YoY
 Top 23.7% in tier
Loans $1.7B
+6.1% YoY-0.3% QoQ
 +$474.3M $1.2B
+0.5% YoY
 $335.0M
+9.2% YoY
 $388.7M
+8.6% YoY
 Top 19.1% in tier
Deposits $1.9B
-2.1% YoY-3.7% QoQ
 +$456.0M $1.5B
+1.3% YoY
 $419.7M
+4.9% YoY
 $464.6M
+9.3% YoY
 Top 22.4% in tier
ROA 0.7%
+37.1% YoY+9.2% QoQ
 -0.0% 0.7%
+13.4% YoY
 1.1%
+41.8% YoY
 0.7%
+273.4% YoY
 49th in tier
NIM 3.4%
+16.5% YoY+5.4% QoQ
 +0.1% 3.3%
+9.3% YoY
 4.2%
+4.4% YoY
 3.7%
+5.0% YoY
 58th in tier
Efficiency Ratio 74.6%
-4.7% YoY-1.3% QoQ
 +0.6% 74.0%
-10.9% YoY
 76.7%
+1.1% YoY
 79.1%
-3.3% YoY
 50th in tier
Delinquency Rate 0.4%
+11.7% YoY+12.2% QoQ
 -0.4 0.8%
+6.1% YoY
 1.3%
+2.5% YoY
 1.2%
-0.9% YoY
 Bottom 22.4% in tier
Loan To Share 89.4%
+8.3% YoY+3.5% QoQ
 +4.2% 85.2%
-0.8% YoY
 72.3%
+1.1% YoY
 68.0%
-1.7% YoY
 53rd in tier
AMR $23,035
+0.7% YoY-2.6% QoQ
 $-6K $29,172
+2.8% YoY
 $17,296
+4.1% YoY
 $19,418
+1.3% YoY
 Bottom 21.4% in tier
CD Concentration 19.5%
-10.5% YoY-7.8% QoQ
 -9.5% 29.0%
+0.8% YoY
 19.9%
+4.7% YoY
 19.6%
+6.2% YoY
 Bottom 12.1% in tier
Indirect Auto % 14.6%
-8.7% YoY-0.2% QoQ
 -4.2% 18.8%
-2.8% YoY
 4.6%
+4.3% YoY
 7.9%
-2.9% YoY
 46th in tier

Signature Analysis

Strengths (4)

Organic Growth Engine

growth
#214 of 246 • Top 29.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 0.87%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
Return on Assets: 0.66%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 14.65%
(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 | New qualifier

Organic Growth Leader

growth
#131 of 138 • Top 33.2% in tier

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

Why This Signature
Member Growth (YoY): 0.87%
(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 | New qualifier

Relationship Depth Leader

growth
#252 of 264 • Top 34.8% in tier

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

Why This Signature
AMR Growth (YoY): 0.72%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $2.5K
(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 worsening

Wallet Share Momentum

growth
#258 of 264 • Top 35.6% in tier

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

Why This Signature
AMR Growth (YoY): 0.72%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Concerns (4)

Deposit Outflow

decline
#15 of 25 • Bottom 11.5% in tier

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

Why This Signature
Deposit Growth (YoY): -2.08%
(Tier: 6.24%, National: 12.00%)
worse than tier avg
Total Assets: $2.23B
(Tier: $1.72B, National: $547.69M)
but better than tier avg
25 of 380 Mid-Market CUs have this signature | 143 nationally
↓ Shrinking -42 CUs YoY | New qualifier

Liquidity Overhang

risk
#68 of 113 • Bottom 20.9% 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: 12.95%
(Tier: 11.30%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 89.37%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
113 of 380 Mid-Market CUs have this signature | 691 nationally
↑ Growing +9 CUs YoY | Rank improving

Credit Quality Pressure

risk
#174 of 217 • Bottom 22.6% in tier

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

Why This Signature
Delinquency Change (YoY): 0.04% points
(Tier: 0.07% points, National: 0.07% points)
but better than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank improving

Growth-at-Risk

risk
#131 of 161 • Bottom 23.4% in tier

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

Why This Signature
Loan Growth (YoY): 6.06%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 0.04% points
(Tier: 0.07% points, National: 0.07% points)
but better than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 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 304 peers in tier

Top Strengths (7 metrics)

31
Total Members
engagement
Value: 157,053
Peer Avg: 98,678
#31 of 304 Top 9.9% in 1B-3B tier
40
Share Certificate Concentration (%)
balance_sheet
Value: 19.46%
Peer Avg: 28.53%
#40 of 304 Top 12.8% in 1B-3B tier
57
Net Worth Ratio
risk
Value: 12.95%
Peer Avg: 11.44%
#57 of 304 Top 18.4% in 1B-3B tier
58
Total Loans
balance_sheet
Value: $1.71B
Peer Avg: $1.23B
#58 of 304 Top 18.8% in 1B-3B tier
68
Total Deposits
balance_sheet
Value: $1.91B
Peer Avg: $1.45B
#68 of 304 Top 22.0% in 1B-3B tier
69
Total Delinquency Rate (60+ days)
risk
Value: 0.40%
Peer Avg: 0.83%
#69 of 304 Top 22.4% in 1B-3B tier
72
Total Assets
balance_sheet
Value: $2.23B
Peer Avg: $1.72B
#72 of 304 Top 23.4% in 1B-3B tier

Top Weaknesses (3 metrics)

279
Deposit Growth Rate
growth
Value: -2.08%
Peer Avg: 5.58%
#279 of 304 Bottom 8.6% in 1B-3B tier
260
Asset Growth Rate
growth
Value: -0.84%
Peer Avg: 4.83%
#260 of 304 Bottom 14.8% in 1B-3B tier
239
Average Member Relationship (AMR)
engagement
Value: $23,035
Peer Avg: $29,172
#239 of 304 Bottom 21.7% in 1B-3B tier