CHAMPION

Charter #60721 | NC

500M-750M (169 CUs) Community (281 CUs)
3 500M-750M in NC

CHAMPION has 6 strengths but faces 3 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 16.0% in tier
  • + Organic Growth Engine: Top 22.9% in tier
  • + Wallet Share Momentum: Top 31.2% in tier
  • + ROA 0.26% above tier average
  • + Net Interest Margin 0.46% above tier average
  • + Share Certificate Concentration (%): Top 7.7% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 26.5% in tier
  • - Liquidity Strain: Bottom 31.1% in tier
  • - First Mortgage Concentration (%): Bottom 5.3% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (NC) National Avg Tier Percentile
Members 36,431
+2.0% YoY-0.2% QoQ
 -3.3K 39,752
-2.7% YoY
 91,841
+6.6% YoY
 33,089
+6.1% YoY
 44th in tier
Assets $554.7M
+3.9% YoY+0.0% QoQ
 $-67.7M $622.4M
+0.3% YoY
 $1.5B
+5.5% YoY
 $547.7M
+7.8% YoY
 Bottom 23.1% in tier
Loans $429.2M
+1.0% YoY+1.1% QoQ
 $-6.8M $435.9M
-0.4% YoY
 $1.1B
+9.9% YoY
 $388.7M
+8.6% YoY
 44th in tier
Deposits $470.1M
+6.8% YoY-0.2% QoQ
 $-68.0M $538.0M
+1.3% YoY
 $1.3B
+12.1% YoY
 $464.6M
+9.3% YoY
 Bottom 16.6% in tier
ROA 0.9%
+45.0% YoY+0.8% QoQ
 +0.3% 0.7%
+33.9% YoY
 0.4%
-19.0% YoY
 0.7%
+273.4% YoY
 72nd in tier
NIM 3.9%
+1.1% YoY-1.0% QoQ
 +0.5% 3.4%
+8.6% YoY
 4.1%
+4.0% YoY
 3.7%
+5.0% YoY
 Top 17.8% in tier
Efficiency Ratio 74.5%
-5.1% YoY+0.8% QoQ
 -3.6% 78.1%
-3.4% YoY
 81.5%
-1.2% YoY
 79.1%
-3.3% YoY
 31st in tier
Delinquency Rate 0.7%
-5.9% YoY+4.9% QoQ
 -0.1 0.8%
-4.9% YoY
 1.5%
+2.4% YoY
 1.2%
-0.9% YoY
 57th in tier
Loan To Share 91.3%
-5.5% YoY+1.3% QoQ
 +10.3% 81.0%
-1.8% YoY
 76.3%
+1.1% YoY
 68.0%
-1.7% YoY
 75th in tier
AMR $24,684
+1.9% YoY+0.6% QoQ
 $-2K $26,482
+2.6% YoY
 $17,441
+4.0% YoY
 $19,418
+1.3% YoY
 49th in tier
CD Concentration 15.8%
-5.2% YoY+2.0% QoQ
 -8.6% 24.4%
+4.2% YoY
 20.6%
+2.2% YoY
 19.6%
+6.2% YoY
 Bottom 21.4% in tier
Indirect Auto % 20.7%
-1.0% YoY-2.6% QoQ
 +6.7% 14.0%
-5.8% YoY
 5.3%
-2.9% YoY
 7.9%
-2.9% YoY
 72nd in tier

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth
#442 of 1006 • Top 16.0% in tier

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

Why This Signature
AMR Growth (YoY): 1.87%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $4.6K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Organic Growth Engine

growth
#420 of 603 • Top 22.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.04%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.92%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 20.66%
(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

Wallet Share Momentum

growth
#862 of 1006 • Top 31.2% in tier

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

Why This Signature
AMR Growth (YoY): 1.87%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (2)

Indirect Auto Dependency

risk
#426 of 525 • Bottom 26.5% in tier

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

Why This Signature
Asset Growth (YoY): 3.87%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 20.66%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 2.04%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 281 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank improving

Liquidity Strain

risk
#242 of 258 • Bottom 31.1% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 91.30%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 0.96%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
258 of 281 Community CUs have this signature | 484 nationally
↓ Shrinking -28 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 169 peers in tier

Top Strengths (3 metrics)

14
Share Certificate Concentration (%)
balance_sheet
Value: 15.80%
Peer Avg: 26.87%
#14 of 169 Top 7.7% in 500M-750M tier
30
Net Interest Margin (NIM)
profitability
Value: 3.89%
Peer Avg: 3.43%
#30 of 169 Top 17.2% in 500M-750M tier
43
Loan-to-Share Ratio
balance_sheet
Value: 91.30%
Peer Avg: 81.02%
#43 of 169 Top 24.9% in 500M-750M tier

Top Weaknesses (4 metrics)

161
First Mortgage Concentration (%)
balance_sheet
Value: 59.45%
Peer Avg: 33.53%
#161 of 169 Bottom 5.3% in 500M-750M tier
148
Fee Income Per Member
profitability
Value: $128.97
Peer Avg: $199.27
#148 of 169 Bottom 13.0% in 500M-750M tier
141
Total Deposits
balance_sheet
Value: $470.07M
Peer Avg: $538.02M
#141 of 169 Bottom 17.2% in 500M-750M tier
130
Total Assets
balance_sheet
Value: $554.69M
Peer Avg: $622.38M
#130 of 169 Bottom 23.7% in 500M-750M tier