TLC COMMUNITY

Charter #60509 | MI

750M-1B (112 CUs) Community (281 CUs)
9 750M-1B in MI

TLC COMMUNITY has 8 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 5.7% in tier
  • + Organic Growth Engine: Top 19.7% in tier
  • + Relationship Depth Leader: Top 21.4% in tier
  • + Organic Growth Leader: Top 21.5% in tier
  • + ROA 0.38% above tier average
  • + Asset Growth Rate: Top 3.6% in tier
  • + Loan Growth Rate: Top 3.6% in tier
  • + Total Delinquency Rate (60+ days): Top 3.6% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 8.1% in tier
  • - Growth-at-Risk: Bottom 9.5% in tier
  • - Margin Compression: Bottom 16.0% in tier
  • - Credit Quality Pressure: Bottom 22.1% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 5.4% in tier
  • - Total Loans: Bottom 8.0% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Members 56,606
+1.8% YoY+0.7% QoQ
 +4.5K 52,114
-2.1% YoY
 35,456
+8.6% YoY
 33,089
+6.1% YoY
 60th in tier
Assets $899.8M
+15.7% YoY-0.1% QoQ
 +$40.8M $859.0M
+0.0% YoY
 $650.8M
+12.6% YoY
 $547.7M
+7.8% YoY
 71st in tier
Loans $420.4M
+17.6% YoY+8.3% QoQ
 $-183.0M $603.4M
+1.0% YoY
 $461.6M
+14.9% YoY
 $388.7M
+8.6% YoY
 Bottom 7.1% in tier
Deposits $704.8M
+7.2% YoY-1.1% QoQ
 $-29.4M $734.2M
+0.9% YoY
 $550.3M
+12.5% YoY
 $464.6M
+9.3% YoY
 38th in tier
ROA 1.1%
-14.1% YoY+4.3% QoQ
 +0.4% 0.7%
+27.6% YoY
 0.8%
-27.1% YoY
 0.7%
+273.4% YoY
 Top 25.0% in tier
NIM 2.7%
-5.6% YoY+0.2% QoQ
 -0.7% 3.4%
+9.6% YoY
 3.7%
+8.5% YoY
 3.7%
+5.0% YoY
 Bottom 16.1% in tier
Efficiency Ratio 69.4%
+2.9% YoY-2.3% QoQ
 -5.2% 74.5%
-3.2% YoY
 76.1%
-1.3% YoY
 79.1%
-3.3% YoY
 29th in tier
Delinquency Rate 0.2%
+74.6% YoY+37.5% QoQ
 -0.7 0.8%
+5.0% YoY
 0.9%
-19.7% YoY
 1.2%
-0.9% YoY
 Bottom 3.6% in tier
Loan To Share 59.6%
+9.7% YoY+9.5% QoQ
 -23.0% 82.7%
+0.1% YoY
 68.1%
+0.3% YoY
 68.0%
-1.7% YoY
 Bottom 11.6% in tier
AMR $19,877
+8.9% YoY+1.5% QoQ
 $-9K $28,651
+2.5% YoY
 $22,054
+2.5% YoY
 $19,418
+1.3% YoY
 Bottom 11.6% in tier
CD Concentration 23.4%
+1.1% YoY+2.8% QoQ
 -1.0% 24.4%
+4.2% YoY
 18.6%
+6.0% YoY
 19.6%
+6.2% YoY
 47th in tier
Indirect Auto % 14.2%
-13.5% YoY-6.2% QoQ
 +0.3% 14.0%
-5.8% YoY
 11.9%
-2.7% YoY
 7.9%
-2.9% YoY
 60th in tier

Signature Analysis

Strengths (4)

Wallet Share Momentum

growth
#159 of 1006 • Top 5.7% in tier

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

Why This Signature
AMR Growth (YoY): 8.94%
(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
#361 of 603 • Top 19.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.77%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 1.09%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 14.21%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#590 of 1006 • Top 21.4% in tier

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

Why This Signature
AMR Growth (YoY): 8.94%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $1.5K
(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

Organic Growth Leader

growth
#284 of 430 • Top 21.5% in tier

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

Why This Signature
Member Growth (YoY): 1.77%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 281 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank improving

Concerns (4)

Liquidity Overhang

risk
#126 of 552 • Bottom 8.1% 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: 14.39%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 59.65%
(Tier: 74.56%, National: 67.96%)
worse than tier avg
552 of 281 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank worsening

Growth-at-Risk

risk
#143 of 446 • Bottom 9.5% in tier

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

Why This Signature
Loan Growth (YoY): 17.60%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.07% 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 | New qualifier

Margin Compression

decline
#68 of 136 • Bottom 16.0% in tier

Strong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.

Why This Signature
Return on Assets: 1.09%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
ROA Change (YoY): -0.18% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Total Assets: $899.81M
(Tier: $859.01M, National: $547.69M)
but better than tier avg
136 of 281 Community CUs have this signature | 169 nationally
↓ Shrinking -43 CUs YoY | Rank improving

Credit Quality Pressure

risk
#547 of 736 • Bottom 22.1% in tier

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

Why This Signature
Delinquency Change (YoY): 0.07% 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 112 peers in tier

Top Strengths (9 metrics)

5
Asset Growth Rate
growth
Value: 15.75%
Peer Avg: 4.25%
#5 of 112 Top 3.6% in 750M-1B tier
5
Loan Growth Rate
growth
Value: 17.60%
Peer Avg: 4.84%
#5 of 112 Top 3.6% in 750M-1B tier
5
Total Delinquency Rate (60+ days)
risk
Value: 0.16%
Peer Avg: 0.82%
#5 of 112 Top 3.6% in 750M-1B tier
13
Net Charge-Off Rate
risk
Value: 0.15%
Peer Avg: 0.61%
#13 of 112 Top 10.7% in 750M-1B tier
15
AMR Growth Rate
growth
Value: 8.94%
Peer Avg: 4.90%
#15 of 112 Top 12.5% in 750M-1B tier
15
Net Worth Ratio
risk
Value: 14.39%
Peer Avg: 11.52%
#15 of 112 Top 12.5% in 750M-1B tier
25
Members Per Employee (MPE)
engagement
Value: 407.237
Peer Avg: 361.634
#25 of 112 Top 21.4% in 750M-1B tier
28
Return on Assets (ROA)
profitability
Value: 1.09%
Peer Avg: 0.71%
#28 of 112 Top 24.1% in 750M-1B tier
28
Share Certificate Concentration (%)
balance_sheet
Value: 23.36%
Peer Avg: 28.34%
#28 of 112 Top 24.1% in 750M-1B tier

Top Weaknesses (5 metrics)

107
Loan-to-Member Ratio (LMR)
engagement
Value: $7,427
Peer Avg: $12,810
#107 of 112 Bottom 5.4% in 750M-1B tier
104
Total Loans
balance_sheet
Value: $420.39M
Peer Avg: $603.36M
#104 of 112 Bottom 8.0% in 750M-1B tier
99
Loan-to-Share Ratio
balance_sheet
Value: 59.65%
Peer Avg: 82.66%
#99 of 112 Bottom 12.5% in 750M-1B tier
99
Average Member Relationship (AMR)
engagement
Value: $19,877
Peer Avg: $28,651
#99 of 112 Bottom 12.5% in 750M-1B tier
94
Net Interest Margin (NIM)
profitability
Value: 2.70%
Peer Avg: 3.38%
#94 of 112 Bottom 17.0% in 750M-1B tier