COMTRUST

Charter #606 | TN

100M-500M (1077 CUs) Micro
25 100M-500M in TN

COMTRUST has 5 strengths but faces 11 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 4.8% in tier
  • + Wallet Share Momentum: Top 9.4% in tier
  • + Total Delinquency Rate (60+ days): Top 3.8% in tier
  • + Total Deposits: Top 7.6% in tier
  • + Total Assets: Top 8.6% in tier

Key Concerns

Areas that may need attention

  • - Membership Headwinds: Bottom 6.3% in tier
  • - Stagnation Risk: Bottom 7.0% in tier
  • - Indirect Auto Dependency: Bottom 30.0% in tier
  • - Flatlined Growth: Bottom 40.8% in tier
  • - ROA 0.28% below tier average
  • - Efficiency ratio 0.13% above tier (higher cost structure)
  • - Member decline: -5.5% YoY
  • - Loan-to-Share Ratio: Bottom 1.0% in tier
  • - Net Interest Margin (NIM): Bottom 1.9% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 7.9% in tier
  • - Member Growth Rate: Bottom 8.7% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Members 18,121
-5.5% YoY-1.7% QoQ
 +2.5K 15,628
-3.4% YoY
 21,139
+4.9% YoY
 33,089
+6.1% YoY
 68th in tier
Assets $414.0M
+1.6% YoY-0.1% QoQ
 +$182.7M $231.3M
-0.0% YoY
 $362.5M
+9.5% YoY
 $547.7M
+7.8% YoY
 Top 8.7% in tier
Loans $97.2M
+1.5% YoY-0.6% QoQ
 $-50.6M $147.8M
-1.4% YoY
 $271.1M
+9.1% YoY
 $388.7M
+8.6% YoY
 33rd in tier
Deposits $365.5M
+1.4% YoY-0.3% QoQ
 +$165.3M $200.3M
-0.0% YoY
 $303.0M
+8.7% YoY
 $464.6M
+9.3% YoY
 Top 7.7% in tier
ROA 0.5%
+968.4% YoY+2.5% QoQ
 -0.3% 0.8%
+15.5% YoY
 0.8%
+4.1% YoY
 0.7%
+273.4% YoY
 33rd in tier
NIM 1.9%
+39.5% YoY+0.9% QoQ
 -1.7% 3.6%
+6.9% YoY
 3.8%
+5.1% YoY
 3.7%
+5.0% YoY
 Bottom 1.8% in tier
Efficiency Ratio 77.4%
-20.1% YoY-0.3% QoQ
 +0.1% 77.3%
-3.0% YoY
 75.4%
-1.8% YoY
 79.1%
-3.3% YoY
 51st in tier
Delinquency Rate 0.1%
-53.5% YoY-48.0% QoQ
 -0.8 0.9%
+7.6% YoY
 1.1%
+8.5% YoY
 1.2%
-0.9% YoY
 Bottom 3.8% in tier
Loan To Share 26.6%
+0.1% YoY-0.3% QoQ
 -46.1% 72.7%
-1.5% YoY
 70.4%
-2.4% YoY
 68.0%
-1.7% YoY
 Bottom 0.9% in tier
AMR $25,538
+7.3% YoY+1.3% QoQ
 +$1K $24,363
+2.9% YoY
 $18,470
+2.4% YoY
 $19,418
+1.3% YoY
 67th in tier
CD Concentration 33.2%
+4.7% YoY+2.8% QoQ
 +8.8% 24.4%
+4.2% YoY
 22.3%
+6.6% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 15.6%
-14.9% YoY-2.8% QoQ
 +1.6% 14.0%
-5.8% YoY
 6.9%
+1.1% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth
#132 of 1006 • Top 4.8% in tier

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

Why This Signature
AMR Growth (YoY): 7.26%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.3K
(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
#260 of 1006 • Top 9.4% in tier

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

Why This Signature
AMR Growth (YoY): 7.26%
(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 worsening

Concerns (4)

Membership Headwinds

decline
#105 of 550 • Bottom 6.3% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -5.46%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Stagnation Risk

risk
#116 of 550 • Bottom 7.0% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.51%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -5.46%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $25.5K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 33.24%
(Tier: 24.41%, National: 19.60%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#482 of 525 • Bottom 30.0% in tier

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

Why This Signature
Asset Growth (YoY): 1.62%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 15.60%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -5.46%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY

Flatlined Growth

risk
#43 of 58 • Bottom 40.8% in tier

Asset growth has flattened despite healthy profitability. May indicate a need to reassess growth strategy.

Why This Signature
Total Assets: $413.98M
(Tier: $231.30M, National: $547.69M)
but better than tier avg
Asset Growth (YoY): 1.62%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Return on Assets: 0.51%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
58 of 1077 Community CUs have this signature | 82 nationally
↑ Growing +10 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 (5 metrics)

42
Total Delinquency Rate (60+ days)
risk
Value: 0.09%
Peer Avg: 0.86%
#42 of 1077 Top 3.8% in 100M-500M tier
83
Total Deposits
balance_sheet
Value: $365.54M
Peer Avg: $200.29M
#83 of 1077 Top 7.6% in 100M-500M tier
94
Total Assets
balance_sheet
Value: $413.98M
Peer Avg: $231.30M
#94 of 1077 Top 8.6% in 100M-500M tier
148
Net Charge-Off Rate
risk
Value: 0.09%
Peer Avg: 0.47%
#148 of 1077 Top 13.6% in 100M-500M tier
203
AMR Growth Rate
growth
Value: 7.26%
Peer Avg: 3.64%
#203 of 1077 Top 18.8% in 100M-500M tier

Top Weaknesses (6 metrics)

1067
Loan-to-Share Ratio
balance_sheet
Value: 26.60%
Peer Avg: 72.70%
#1067 of 1077 Bottom 1.0% in 100M-500M tier
1058
Net Interest Margin (NIM)
profitability
Value: 1.87%
Peer Avg: 3.58%
#1058 of 1077 Bottom 1.9% in 100M-500M tier
993
Loan-to-Member Ratio (LMR)
engagement
Value: $5,365
Peer Avg: $10,245
#993 of 1077 Bottom 7.9% in 100M-500M tier
984
Member Growth Rate
growth
Value: -5.46%
Peer Avg: 0.72%
#984 of 1077 Bottom 8.7% in 100M-500M tier
870
Share Certificate Concentration (%)
balance_sheet
Value: 33.24%
Peer Avg: 23.61%
#870 of 1077 Bottom 19.3% in 100M-500M tier
850
Fee Income Per Member
profitability
Value: $112.86
Peer Avg: $174.31
#850 of 1077 Bottom 21.2% in 100M-500M tier