PEOPLE DRIVEN

Charter #61068 | MI

100M-500M (1077 CUs) Micro
67 100M-500M in MI

PEOPLE DRIVEN has 9 strengths but faces 3 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 1.2% in tier
  • + Wallet Share Momentum: Top 2.3% in tier
  • + ROA 0.18% above tier average
  • + Net Interest Margin 0.81% above tier average
  • + Total Loans: Top 1.0% in tier
  • + Total Assets: Top 1.1% in tier
  • + Total Deposits: Top 1.8% in tier
  • + Loan Growth Rate: Top 2.7% in tier
  • + AMR Growth Rate: Top 4.5% in tier

Key Concerns

Areas that may need attention

  • - Stagnation Risk: Bottom 11.8% in tier
  • - Membership Headwinds: Bottom 27.4% in tier
  • - Members Per Employee (MPE): Bottom 8.4% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Members 25,545
-1.1% YoY-0.0% QoQ
 +9.9K 15,628
-3.4% YoY
 35,456
+8.6% YoY
 33,089
+6.1% YoY
 Top 12.4% in tier
Assets $489.3M
+4.6% YoY-0.7% QoQ
 +$258.0M $231.3M
-0.0% YoY
 $650.8M
+12.6% YoY
 $547.7M
+7.8% YoY
 Top 1.2% in tier
Loans $365.5M
+22.7% YoY+2.3% QoQ
 +$217.7M $147.8M
-1.4% YoY
 $461.6M
+14.9% YoY
 $388.7M
+8.6% YoY
 Top 1.1% in tier
Deposits $416.3M
+4.2% YoY-1.3% QoQ
 +$216.1M $200.3M
-0.0% YoY
 $550.3M
+12.5% YoY
 $464.6M
+9.3% YoY
 Top 1.9% in tier
ROA 1.0%
+9.6% YoY+7.0% QoQ
 +0.2% 0.8%
+15.5% YoY
 0.8%
-27.1% YoY
 0.7%
+273.4% YoY
 63rd in tier
NIM 4.4%
+9.5% YoY+1.9% QoQ
 +0.8% 3.6%
+6.9% YoY
 3.7%
+8.5% YoY
 3.7%
+5.0% YoY
 Top 11.9% in tier
Efficiency Ratio 73.6%
+0.9% YoY+1.8% QoQ
 -3.7% 77.3%
-3.0% YoY
 76.1%
-1.3% YoY
 79.1%
-3.3% YoY
 36th in tier
Delinquency Rate 0.7%
-29.3% YoY-13.2% QoQ
 -0.2 0.9%
+7.6% YoY
 0.9%
-19.7% YoY
 1.2%
-0.9% YoY
 50th in tier
Loan To Share 87.8%
+17.8% YoY+3.7% QoQ
 +15.1% 72.7%
-1.5% YoY
 68.1%
+0.3% YoY
 68.0%
-1.7% YoY
 Top 19.8% in tier
AMR $30,607
+13.3% YoY+0.4% QoQ
 +$6K $24,363
+2.9% YoY
 $22,054
+2.5% YoY
 $19,418
+1.3% YoY
 Top 15.3% in tier
CD Concentration 14.3%
+3.5% YoY+5.1% QoQ
 -10.1% 24.4%
+4.2% YoY
 18.6%
+6.0% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 1.9%
+6257.4% YoY+74.2% QoQ
 -12.0% 14.0%
-5.8% YoY
 11.9%
-2.7% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth
#33 of 1006 • Top 1.2% in tier

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

Why This Signature
AMR Growth (YoY): 13.35%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.5K
(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
#64 of 1006 • Top 2.3% in tier

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

Why This Signature
AMR Growth (YoY): 13.35%
(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 improving

Concerns (2)

Stagnation Risk

risk
#195 of 550 • Bottom 11.8% 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: 0.97%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -1.14%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $30.6K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 14.34%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Membership Headwinds

decline
#452 of 550 • Bottom 27.4% in tier

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

Why This Signature
Member Growth (YoY): -1.14%
(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 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 (13 metrics)

12
Total Loans
balance_sheet
Value: $365.50M
Peer Avg: $147.80M
#12 of 1077 Top 1.0% in 100M-500M tier
13
Total Assets
balance_sheet
Value: $489.30M
Peer Avg: $231.30M
#13 of 1077 Top 1.1% in 100M-500M tier
20
Total Deposits
balance_sheet
Value: $416.35M
Peer Avg: $200.29M
#20 of 1077 Top 1.8% in 100M-500M tier
30
Loan Growth Rate
growth
Value: 22.66%
Peer Avg: 3.45%
#30 of 1077 Top 2.7% in 100M-500M tier
50
AMR Growth Rate
growth
Value: 13.35%
Peer Avg: 3.64%
#50 of 1077 Top 4.5% in 100M-500M tier
110
Fee Income Per Member
profitability
Value: $266.55
Peer Avg: $174.31
#110 of 1077 Top 10.1% in 100M-500M tier
128
Net Interest Margin (NIM)
profitability
Value: 4.39%
Peer Avg: 3.58%
#128 of 1077 Top 11.8% in 100M-500M tier
132
Loan-to-Member Ratio (LMR)
engagement
Value: $14,308
Peer Avg: $10,245
#132 of 1077 Top 12.2% in 100M-500M tier
134
Total Members
engagement
Value: 25,545
Peer Avg: 15,628
#134 of 1077 Top 12.3% in 100M-500M tier
165
Average Member Relationship (AMR)
engagement
Value: $30,607
Peer Avg: $24,363
#165 of 1077 Top 15.2% in 100M-500M tier

Top Weaknesses (2 metrics)

987
Members Per Employee (MPE)
engagement
Value: 220.216
Peer Avg: 332.881
#987 of 1077 Bottom 8.4% in 100M-500M tier
970
Net Charge-Off Rate
risk
Value: 0.96%
Peer Avg: 0.47%
#970 of 1077 Bottom 10.0% in 100M-500M tier