DIRECTIONS

Charter #60978 | OH

1B-3B (304 CUs) Mid-Market (380 CUs)
6 1B-3B in OH

DIRECTIONS has 5 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 6.9% in tier
  • + Relationship Depth Leader: Top 16.5% in tier
  • + Emerging Performer: Top 27.2% in tier
  • + Organic Growth Engine: Top 33.7% in tier
  • + Net Interest Margin 0.15% above tier average

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 7.3% in tier
  • - Indirect Auto Dependency: Bottom 7.6% in tier
  • - Liquidity Strain: Bottom 14.5% in tier
  • - Growth-at-Risk: Bottom 22.5% in tier
  • - Credit Quality Pressure: Bottom 28.1% in tier
  • - ROA 0.29% below tier average
  • - Efficiency ratio 11.71% above tier (higher cost structure)

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Members 94,708
+0.7% YoY-0.1% QoQ
 -4.0K 98,678
-1.9% YoY
 16,553
+5.8% YoY
 33,089
+6.1% YoY
 55th in tier
Assets $1.3B
+7.3% YoY-0.9% QoQ
 $-381.3M $1.7B
+0.5% YoY
 $245.2M
+8.8% YoY
 $547.7M
+7.8% YoY
 33rd in tier
Loans $1.1B
+9.6% YoY+1.7% QoQ
 $-128.7M $1.2B
+0.5% YoY
 $170.6M
+8.7% YoY
 $388.7M
+8.6% YoY
 49th in tier
Deposits $1.2B
+8.6% YoY-0.7% QoQ
 $-297.8M $1.5B
+1.3% YoY
 $209.1M
+9.7% YoY
 $464.6M
+9.3% YoY
 38th in tier
ROA 0.4%
-34.4% YoY-2.5% QoQ
 -0.3% 0.7%
+13.4% YoY
 0.5%
-7.3% YoY
 0.7%
+273.4% YoY
 Bottom 23.4% in tier
NIM 3.4%
-2.1% YoY+2.6% QoQ
 +0.1% 3.3%
+9.3% YoY
 3.7%
+3.3% YoY
 3.7%
+5.0% YoY
 59th in tier
Efficiency Ratio 85.7%
+3.8% YoY+0.7% QoQ
 +11.7% 74.0%
-10.9% YoY
 83.9%
+3.6% YoY
 79.1%
-3.3% YoY
 Top 8.2% in tier
Delinquency Rate 0.4%
+0.2% YoY+3.6% QoQ
 -0.4 0.8%
+6.1% YoY
 1.5%
+29.9% YoY
 1.2%
-0.9% YoY
 Bottom 21.4% in tier
Loan To Share 95.5%
+1.0% YoY+2.4% QoQ
 +10.3% 85.2%
-0.8% YoY
 63.8%
-2.4% YoY
 68.0%
-1.7% YoY
 Top 23.7% in tier
AMR $23,872
+8.4% YoY+0.5% QoQ
 $-5K $29,172
+2.8% YoY
 $17,099
+5.9% YoY
 $19,418
+1.3% YoY
 27th in tier
CD Concentration 18.7%
+8.7% YoY-1.8% QoQ
 -10.3% 29.0%
+0.8% YoY
 19.2%
+8.0% YoY
 19.6%
+6.2% YoY
 Bottom 10.8% in tier
Indirect Auto % 29.6%
+1.0% YoY-0.5% QoQ
 +10.8% 18.8%
-2.8% YoY
 11.2%
-0.8% YoY
 7.9%
-2.9% YoY
 74th in tier

Signature Analysis

Strengths (4)

Wallet Share Momentum

growth
#51 of 264 • Top 6.9% in tier

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

Why This Signature
AMR Growth (YoY): 8.40%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank improving

Relationship Depth Leader

growth
#120 of 264 • Top 16.5% in tier

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

Why This Signature
AMR Growth (YoY): 8.40%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.4K
(Tier: $3.1K, National: $2.0K)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank improving

Emerging Performer

growth
#145 of 184 • Top 27.2% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.42%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): 0.66%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | Rank worsening

Organic Growth Engine

growth
#245 of 246 • Top 33.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 0.66%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
Return on Assets: 0.42%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 29.56%
(Tier: 18.80%, National: 7.90%)
but worse than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | New qualifier

Concerns (5)

Efficiency Drag

risk
#25 of 96 • Bottom 7.3% in tier

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

Why This Signature
Efficiency Ratio: 85.68%
(Tier: 73.45%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.22% points
(Tier: 0.07% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): 0.66%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
96 of 380 Mid-Market CUs have this signature | 624 nationally
↓ Shrinking -32 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#48 of 202 • Bottom 7.6% in tier

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

Why This Signature
Asset Growth (YoY): 7.32%
(Tier: 5.36%, National: 3.04%)
but better than tier avg
Indirect Auto %: 29.56%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 0.66%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank improving

Liquidity Strain

risk
#77 of 183 • Bottom 14.5% in tier

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

Why This Signature
Loan-to-Share Ratio: 95.49%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 9.65%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY | Rank improving

Growth-at-Risk

risk
#126 of 161 • Bottom 22.5% in tier

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

Why This Signature
Loan Growth (YoY): 9.65%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.00% points
(Tier: 0.07% points, National: 0.07% points)
but better than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 CUs YoY | New qualifier

Credit Quality Pressure

risk
#216 of 217 • Bottom 28.1% in tier

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

Why This Signature
Delinquency Change (YoY): 0.00% points
(Tier: 0.07% points, National: 0.07% points)
but better than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 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 304 peers in tier

Top Strengths (7 metrics)

35
Share Certificate Concentration (%)
balance_sheet
Value: 18.71%
Peer Avg: 28.53%
#35 of 304 Top 11.2% in 1B-3B tier
44
AMR Growth Rate
growth
Value: 8.40%
Peer Avg: 3.29%
#44 of 304 Top 14.1% in 1B-3B tier
60
Net Charge-Off Rate
risk
Value: 0.27%
Peer Avg: 0.60%
#60 of 304 Top 19.4% in 1B-3B tier
65
Deposit Growth Rate
growth
Value: 8.61%
Peer Avg: 5.58%
#65 of 304 Top 21.1% in 1B-3B tier
66
Total Delinquency Rate (60+ days)
risk
Value: 0.39%
Peer Avg: 0.83%
#66 of 304 Top 21.4% in 1B-3B tier
69
Loan Growth Rate
growth
Value: 9.65%
Peer Avg: 5.27%
#69 of 304 Top 22.4% in 1B-3B tier
72
Loan-to-Share Ratio
balance_sheet
Value: 95.49%
Peer Avg: 85.19%
#72 of 304 Top 23.4% in 1B-3B tier

Top Weaknesses (4 metrics)

280
Efficiency Ratio
profitability
Value: 85.68%
Peer Avg: 73.97%
#280 of 304 Bottom 8.2% in 1B-3B tier
250
Net Worth Ratio
risk
Value: 9.33%
Peer Avg: 11.44%
#250 of 304 Bottom 18.1% in 1B-3B tier
248
Fee Income Per Member
profitability
Value: $151.06
Peer Avg: $210.52
#248 of 304 Bottom 18.8% in 1B-3B tier
233
Return on Assets (ROA)
profitability
Value: 0.42%
Peer Avg: 0.70%
#233 of 304 Bottom 23.7% in 1B-3B tier