THE FAMILY
Charter #60728 | IA
100M-500M
(1077 CUs)
Micro
($0-$500M)
17 100M-500M in IA
THE FAMILY has 2 strengths but faces 14 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 26.6% in tier
- + Net Interest Margin 0.17% above tier average
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 6.9% in tier
- - Accelerating Exit Risk: Bottom 8.0% in tier
- - Membership Headwinds: Bottom 10.6% in tier
- - Stagnation Risk: Bottom 12.5% in tier
- - Liquidity Overhang: Bottom 13.0% in tier
- - Shrinking Wallet Share: Bottom 18.1% in tier
- - Margin Compression: Bottom 29.1% in tier
- - ROA 0.00% below tier average
- - Delinquency rate 0.20% above tier average
- - Member decline: -3.9% YoY
- - Deposit Growth Rate: Bottom 4.4% in tier
- - Asset Growth Rate: Bottom 7.0% in tier
- - Loan Growth Rate: Bottom 7.1% in tier
- - Net Charge-Off Rate: Bottom 9.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
20,256
-3.9% YoY-0.5% QoQ
|
+4.6K |
15,628
-3.4% YoY
|
24,664
+0.3% YoY
|
33,089
+6.1% YoY
|
Top 24.0% in tier |
| Assets |
$243.6M
-3.0% YoY-5.5% QoQ
|
+$12.3M |
$231.3M
-0.0% YoY
|
$515.3M
+7.1% YoY
|
$547.7M
+7.8% YoY
|
62nd in tier |
| Loans |
$140.7M
-7.1% YoY-1.0% QoQ
|
$-7.1M |
$147.8M
-1.4% YoY
|
$418.6M
+8.3% YoY
|
$388.7M
+8.6% YoY
|
56th in tier |
| Deposits |
$207.2M
-4.0% YoY-6.8% QoQ
|
+$6.9M |
$200.3M
-0.0% YoY
|
$421.4M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
60th in tier |
| ROA |
0.8%
-16.9% YoY+60.2% QoQ
|
-0.0% |
0.8%
+15.5% YoY
|
1.0%
+0.3% YoY
|
0.7%
+273.4% YoY
|
52nd in tier |
| NIM |
3.8%
+9.2% YoY+8.7% QoQ
|
+0.2% |
3.6%
+6.9% YoY
|
3.8%
+3.9% YoY
|
3.7%
+5.0% YoY
|
60th in tier |
| Efficiency Ratio |
72.0%
+5.9% YoY-1.8% QoQ
|
-5.3% |
77.3%
-3.0% YoY
|
72.0%
+0.4% YoY
|
79.1%
-3.3% YoY
|
31st in tier |
| Delinquency Rate |
1.1%
-30.7% YoY-12.5% QoQ
|
+0.2 |
0.9%
+7.6% YoY
|
1.2%
-5.8% YoY
|
1.2%
-0.9% YoY
|
73rd in tier |
| Loan To Share |
67.9%
-3.2% YoY+6.3% QoQ
|
-4.8% |
72.7%
-1.5% YoY
|
77.1%
-1.2% YoY
|
68.0%
-1.7% YoY
|
36th in tier |
| AMR |
$17,177
-1.5% YoY-4.1% QoQ
|
$-7K |
$24,363
+2.9% YoY
|
$20,702
+4.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 18.6% in tier |
| CD Concentration |
23.4%
-15.9% YoY-14.2% QoQ
|
-1.0% |
24.4%
+4.2% YoY
|
22.0%
+1.0% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % |
12.5%
-9.0% YoY-1.1% QoQ
|
-1.5% |
14.0%
-5.8% YoY
|
9.3%
-2.2% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (1)
Emerging Performer
growth
#500 of 627 • Top 26.6% in tier
Profitable credit union with positive returns. May represent growth potential worth exploring.
Why This Signature
Return on Assets:
0.79%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
-3.86%
(Tier:
0.88%, National:
9.37%)
627 of 1077 Community CUs have this signature
| 852 nationally
↑ Growing
+13 CUs YoY
|
New qualifier
Concerns (7)
Institutional Decline
decline
#55 of 256 • Bottom 6.9% in tier
Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Why This Signature
Total Assets:
$243.64M
(Tier: $231.30M, National: $547.69M)
Member Growth (YoY):
-3.86%
(Tier:
0.88%, National:
9.37%)
Loan Growth (YoY):
-7.13%
(Tier:
3.64%, National:
36.38%)
256 of 1077 Community CUs have this signature
| 293 nationally
↓ Shrinking
-43 CUs YoY
|
New qualifier
Accelerating Exit Risk
decline
#22 of 58 • Bottom 8.0% in tier
Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Why This Signature
Member Growth (YoY):
-3.86%
(Tier:
0.88%, National:
9.37%)
AMR Growth (YoY):
-1.50%
(Tier:
3.68%, National:
4.19%)
58 of 1077 Community CUs have this signature
| 73 nationally
↓ Shrinking
-89 CUs YoY
|
New qualifier
Membership Headwinds
decline
#176 of 550 • Bottom 10.6% in tier
Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Why This Signature
Member Growth (YoY):
-3.86%
(Tier:
0.88%, National:
9.37%)
550 of 1077 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
New qualifier
Stagnation Risk
risk
#207 of 550 • Bottom 12.5% 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:
0.79%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
-3.86%
(Tier:
0.88%, National:
9.37%)
Avg Member Relationship:
$17.2K
(Tier: $25.0K, National: $19.4K)
CD Concentration:
23.36%
(Tier:
24.41%, National:
19.60%)
550 of 1077 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
New qualifier
Liquidity Overhang
risk
#202 of 552 • Bottom 13.0% 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:
14.19%
(Tier:
11.95%, National:
14.51%)
Loan-to-Share Ratio:
67.90%
(Tier:
74.56%, National:
67.96%)
552 of 1077 Community CUs have this signature
| 691 nationally
↑ Growing
+65 CUs YoY
|
Rank improving
Shrinking Wallet Share
decline
#181 of 244 • Bottom 18.1% in tier
Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Why This Signature
AMR Growth (YoY):
-1.50%
(Tier:
3.68%, National:
4.19%)
244 of 1077 Community CUs have this signature
| 346 nationally
↓ Shrinking
-221 CUs YoY
|
New qualifier
Margin Compression
decline
#123 of 136 • Bottom 29.1% in tier
Strong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.
Why This Signature
Return on Assets:
0.79%
(Tier:
0.77%, National:
0.71%)
ROA Change (YoY):
-0.16% points
(Tier:
0.11% points, National:
0.05% points)
Total Assets:
$243.64M
(Tier: $231.30M, National: $547.69M)
136 of 1077 Community CUs have this signature
| 169 nationally
↓ Shrinking
-43 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)
Top Strengths (2 metrics)
215
Net Worth Ratio
risk
Value:
14.19%
Peer Avg: 12.15%
#215 of 1077
Top 19.9% in 100M-500M tier
259
Total Members
engagement
Value:
20,256
Peer Avg: 15,628
#259 of 1077
Top 24.0% in 100M-500M tier
Top Weaknesses (8 metrics)
1031
Deposit Growth Rate
growth
Value:
-4.03%
Peer Avg: 4.69%
#1031 of 1077
Bottom 4.4% in 100M-500M tier
1003
Asset Growth Rate
growth
Value:
-2.99%
Peer Avg: 4.70%
#1003 of 1077
Bottom 7.0% in 100M-500M tier
1002
Loan Growth Rate
growth
Value:
-7.13%
Peer Avg: 3.45%
#1002 of 1077
Bottom 7.1% in 100M-500M tier
975
Net Charge-Off Rate
risk
Value:
1.01%
Peer Avg: 0.47%
#975 of 1077
Bottom 9.6% in 100M-500M tier
931
AMR Growth Rate
growth
Value:
-1.50%
Peer Avg: 3.64%
#931 of 1077
Bottom 13.6% in 100M-500M tier
927
Member Growth Rate
growth
Value:
-3.86%
Peer Avg: 0.72%
#927 of 1077
Bottom 14.0% in 100M-500M tier
877
Average Member Relationship (AMR)
engagement
Value:
$17,177
Peer Avg: $24,363
#877 of 1077
Bottom 18.7% in 100M-500M tier
837
Loan-to-Member Ratio (LMR)
engagement
Value:
$6,946
Peer Avg: $10,245
#837 of 1077
Bottom 22.4% in 100M-500M tier