CDC

Charter #6053 | GA

100M-500M (1077 CUs) Micro
20 100M-500M in GA

CDC has 9 strengths but faces 11 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 4.1% in tier
  • + Organic Growth Engine: Top 16.7% in tier
  • + Strong member growth: 6.4% YoY
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Loan Growth Rate: Top 4.6% in tier
  • + Members Per Employee (MPE): Top 5.1% in tier
  • + Total Assets: Top 5.8% in tier
  • + Total Deposits: Top 6.4% in tier
  • + Member Growth Rate: Top 6.6% in tier

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 2.4% in tier
  • - Shrinking Wallet Share: Bottom 8.6% in tier
  • - Efficiency Drag: Bottom 15.5% in tier
  • - ROA 0.60% below tier average
  • - Efficiency ratio 11.89% above tier (higher cost structure)
  • - Delinquency rate 0.15% above tier average
  • - Asset Growth Rate: Bottom 2.3% in tier
  • - Net Interest Margin (NIM): Bottom 3.9% in tier
  • - Deposit Growth Rate: Bottom 4.8% in tier
  • - AMR Growth Rate: Bottom 6.1% in tier
  • - Loan-to-Share Ratio: Bottom 7.4% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Members 23,010
+6.4% YoY+1.1% QoQ
 +7.4K 15,628
-3.4% YoY
 30,529
+3.7% YoY
 33,089
+6.1% YoY
 Top 16.8% in tier
Assets $435.8M
-6.5% YoY+0.6% QoQ
 +$204.5M $231.3M
-0.0% YoY
 $489.5M
+5.8% YoY
 $547.7M
+7.8% YoY
 Top 5.9% in tier
Loans $173.7M
+17.8% YoY+3.4% QoQ
 +$25.9M $147.8M
-1.4% YoY
 $335.0M
+9.2% YoY
 $388.7M
+8.6% YoY
 68th in tier
Deposits $372.6M
-3.7% YoY-5.2% QoQ
 +$172.3M $200.3M
-0.0% YoY
 $419.7M
+4.9% YoY
 $464.6M
+9.3% YoY
 Top 6.5% in tier
ROA 0.2%
+12419.3% YoY+15.0% QoQ
 -0.6% 0.8%
+15.5% YoY
 1.1%
+41.8% YoY
 0.7%
+273.4% YoY
 Bottom 12.9% in tier
NIM 2.3%
+35.7% YoY+3.0% QoQ
 -1.3% 3.6%
+6.9% YoY
 4.2%
+4.4% YoY
 3.7%
+5.0% YoY
 Bottom 3.8% in tier
Efficiency Ratio 89.2%
-10.2% YoY-2.8% QoQ
 +11.9% 77.3%
-3.0% YoY
 76.7%
+1.1% YoY
 79.1%
-3.3% YoY
 Top 11.6% in tier
Delinquency Rate 1.0%
-36.4% YoY+28.5% QoQ
 +0.2 0.9%
+7.6% YoY
 1.3%
+2.5% YoY
 1.2%
-0.9% YoY
 71st in tier
Loan To Share 46.6%
+22.3% YoY+9.0% QoQ
 -26.1% 72.7%
-1.5% YoY
 72.3%
+1.1% YoY
 68.0%
-1.7% YoY
 Bottom 7.3% in tier
AMR $23,739
-3.9% YoY-3.7% QoQ
 $-625 $24,363
+2.9% YoY
 $17,296
+4.1% YoY
 $19,418
+1.3% YoY
 58th in tier
CD Concentration 19.0%
-15.6% YoY-0.9% QoQ
 -5.4% 24.4%
+4.2% YoY
 19.9%
+4.7% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 4.6%
+4.3% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Organic Growth Leader

growth
#55 of 430 • Top 4.1% in tier

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

Why This Signature
Member Growth (YoY): 6.41%
(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
#306 of 603 • Top 16.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 6.41%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.19%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 0.00%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Concerns (3)

Deposit Outflow

decline
#15 of 114 • Bottom 2.4% in tier

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

Why This Signature
Deposit Growth (YoY): -3.72%
(Tier: 4.79%, National: 12.00%)
worse than tier avg
Total Assets: $435.76M
(Tier: $231.30M, National: $547.69M)
but better than tier avg
114 of 1077 Community CUs have this signature | 143 nationally
↓ Shrinking -169 CUs YoY | Rank improving

Shrinking Wallet Share

decline
#87 of 244 • Bottom 8.6% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -3.94%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 1077 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY | Rank worsening

Efficiency Drag

risk
#274 of 521 • Bottom 15.5% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 89.17%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.19% points
(Tier: 0.11% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): 6.41%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 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 1077 peers in tier

Top Strengths (7 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
51
Loan Growth Rate
growth
Value: 17.78%
Peer Avg: 3.45%
#51 of 1077 Top 4.6% in 100M-500M tier
56
Members Per Employee (MPE)
engagement
Value: 511.333
Peer Avg: 332.881
#56 of 1077 Top 5.1% in 100M-500M tier
64
Total Assets
balance_sheet
Value: $435.76M
Peer Avg: $231.30M
#64 of 1077 Top 5.8% in 100M-500M tier
70
Total Deposits
balance_sheet
Value: $372.55M
Peer Avg: $200.29M
#70 of 1077 Top 6.4% in 100M-500M tier
72
Member Growth Rate
growth
Value: 6.41%
Peer Avg: 0.72%
#72 of 1077 Top 6.6% in 100M-500M tier
181
Total Members
engagement
Value: 23,010
Peer Avg: 15,628
#181 of 1077 Top 16.7% in 100M-500M tier

Top Weaknesses (8 metrics)

1053
Asset Growth Rate
growth
Value: -6.46%
Peer Avg: 4.70%
#1053 of 1077 Bottom 2.3% in 100M-500M tier
1036
Net Interest Margin (NIM)
profitability
Value: 2.29%
Peer Avg: 3.58%
#1036 of 1077 Bottom 3.9% in 100M-500M tier
1026
Deposit Growth Rate
growth
Value: -3.72%
Peer Avg: 4.69%
#1026 of 1077 Bottom 4.8% in 100M-500M tier
1012
AMR Growth Rate
growth
Value: -3.94%
Peer Avg: 3.64%
#1012 of 1077 Bottom 6.1% in 100M-500M tier
998
Loan-to-Share Ratio
balance_sheet
Value: 46.62%
Peer Avg: 72.70%
#998 of 1077 Bottom 7.4% in 100M-500M tier
953
Efficiency Ratio
profitability
Value: 89.17%
Peer Avg: 77.28%
#953 of 1077 Bottom 11.6% in 100M-500M tier
938
Return on Assets (ROA)
profitability
Value: 0.19%
Peer Avg: 0.79%
#938 of 1077 Bottom 13.0% in 100M-500M tier
862
Net Worth Ratio
risk
Value: 9.48%
Peer Avg: 12.15%
#862 of 1077 Bottom 20.1% in 100M-500M tier