SEVEN SEVENTEEN

Charter #61077 | OH

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

SEVEN SEVENTEEN has 6 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 1.4% in tier
  • + ROA 0.44% above tier average
  • + Net Interest Margin 0.71% above tier average
  • + Strong member growth: 12.1% YoY
  • + Member Growth Rate: Top 2.6% in tier
  • + Loan-to-Share Ratio: Top 4.6% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 1.2% in tier
  • - Growth-at-Risk: Bottom 1.8% in tier
  • - Credit Quality Pressure: Bottom 6.4% in tier
  • - Indirect Auto Dependency: Bottom 14.1% in tier
  • - Shrinking Wallet Share: Bottom 17.2% in tier
  • - Liquidity Overhang: Bottom 26.5% in tier
  • - Delinquency rate 0.25% above tier average

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Members 123,389
+12.1% YoY+2.5% QoQ
 +24.7K 98,678
-1.9% YoY
 16,553
+5.8% YoY
 33,089
+6.1% YoY
 Top 25.0% in tier
Assets $1.8B
+7.5% YoY+1.8% QoQ
 +$127.9M $1.7B
+0.5% YoY
 $245.2M
+8.8% YoY
 $547.7M
+7.8% YoY
 64th in tier
Loans $1.6B
+12.1% YoY+6.3% QoQ
 +$372.2M $1.2B
+0.5% YoY
 $170.6M
+8.7% YoY
 $388.7M
+8.6% YoY
 Top 24.0% in tier
Deposits $1.5B
+7.0% YoY+0.6% QoQ
 +$70.6M $1.5B
+1.3% YoY
 $209.1M
+9.7% YoY
 $464.6M
+9.3% YoY
 61st in tier
ROA 1.1%
+30.2% YoY+0.1% QoQ
 +0.4% 0.7%
+13.4% YoY
 0.5%
-7.3% YoY
 0.7%
+273.4% YoY
 Top 14.5% in tier
NIM 4.0%
+5.8% YoY+0.8% QoQ
 +0.7% 3.3%
+9.3% YoY
 3.7%
+3.3% YoY
 3.7%
+5.0% YoY
 Top 11.5% in tier
Efficiency Ratio 65.9%
-7.8% YoY-0.5% QoQ
 -8.1% 74.0%
-10.9% YoY
 83.9%
+3.6% YoY
 79.1%
-3.3% YoY
 Bottom 19.4% in tier
Delinquency Rate 1.1%
+37.1% YoY+12.8% QoQ
 +0.3 0.8%
+6.1% YoY
 1.5%
+29.9% YoY
 1.2%
-0.9% YoY
 Top 21.4% in tier
Loan To Share 105.3%
+4.7% YoY+5.7% QoQ
 +20.1% 85.2%
-0.8% YoY
 63.8%
-2.4% YoY
 68.0%
-1.7% YoY
 Top 4.9% in tier
AMR $25,368
-2.2% YoY+1.0% QoQ
 $-4K $29,172
+2.8% YoY
 $17,099
+5.9% YoY
 $19,418
+1.3% YoY
 38th in tier
CD Concentration 26.4%
-1.1% YoY+1.8% QoQ
 -2.6% 29.0%
+0.8% YoY
 19.2%
+8.0% YoY
 19.6%
+6.2% YoY
 40th in tier
Indirect Auto % 30.8%
+15.1% YoY+9.5% QoQ
 +12.0% 18.8%
-2.8% YoY
 11.2%
-0.8% YoY
 7.9%
-2.9% YoY
 Top 23.0% in tier

Signature Analysis

Strengths (1)

Organic Growth Engine

growth
#11 of 246 • Top 1.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 12.07%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 1.14%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 30.84%
(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 (6)

Liquidity Strain

risk
#7 of 183 • Bottom 1.2% in tier

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

Why This Signature
Loan-to-Share Ratio: 105.26%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 12.09%
(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
#11 of 161 • Bottom 1.8% in tier

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

Why This Signature
Loan Growth (YoY): 12.09%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.29% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 CUs YoY | Rank improving

Credit Quality Pressure

risk
#50 of 217 • Bottom 6.4% in tier

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

Why This Signature
Delinquency Change (YoY): 0.29% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#88 of 202 • Bottom 14.1% in tier

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

Why This Signature
Asset Growth (YoY): 7.52%
(Tier: 5.36%, National: 3.04%)
but better than tier avg
Indirect Auto %: 30.84%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 12.07%
(Tier: 3.18%, National: 9.37%)
but better than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank improving

Shrinking Wallet Share

decline
#53 of 83 • Bottom 17.2% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -2.24%
(Tier: 3.04%, National: 4.19%)
worse than tier avg
83 of 380 Mid-Market CUs have this signature | 346 nationally
↓ Shrinking -55 CUs YoY | New qualifier

Liquidity Overhang

risk
#86 of 113 • Bottom 26.5% 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: 13.73%
(Tier: 11.30%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 105.26%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
113 of 380 Mid-Market CUs have this signature | 691 nationally
↑ Growing +9 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 (10 metrics)

9
Member Growth Rate
growth
Value: 12.07%
Peer Avg: 2.20%
#9 of 304 Top 2.6% in 1B-3B tier
15
Loan-to-Share Ratio
balance_sheet
Value: 105.26%
Peer Avg: 85.19%
#15 of 304 Top 4.6% in 1B-3B tier
35
Net Interest Margin (NIM)
profitability
Value: 3.98%
Peer Avg: 3.26%
#35 of 304 Top 11.2% in 1B-3B tier
37
Loan Growth Rate
growth
Value: 12.09%
Peer Avg: 5.27%
#37 of 304 Top 11.8% in 1B-3B tier
37
Net Worth Ratio
risk
Value: 13.73%
Peer Avg: 11.44%
#37 of 304 Top 11.8% in 1B-3B tier
44
Return on Assets (ROA)
profitability
Value: 1.14%
Peer Avg: 0.70%
#44 of 304 Top 14.1% in 1B-3B tier
60
Efficiency Ratio
profitability
Value: 65.89%
Peer Avg: 73.97%
#60 of 304 Top 19.4% in 1B-3B tier
73
Total Loans
balance_sheet
Value: $1.61B
Peer Avg: $1.23B
#73 of 304 Top 23.7% in 1B-3B tier
76
Asset Growth Rate
growth
Value: 7.52%
Peer Avg: 4.83%
#76 of 304 Top 24.7% in 1B-3B tier
76
Total Members
engagement
Value: 123,389
Peer Avg: 98,678
#76 of 304 Top 24.7% in 1B-3B tier

Top Weaknesses (3 metrics)

264
AMR Growth Rate
growth
Value: -2.24%
Peer Avg: 3.29%
#264 of 304 Bottom 13.5% in 1B-3B tier
240
Total Delinquency Rate (60+ days)
risk
Value: 1.08%
Peer Avg: 0.83%
#240 of 304 Bottom 21.4% in 1B-3B tier
238
Indirect Auto Concentration (%)
balance_sheet
Value: 30.84%
Peer Avg: 18.32%
#238 of 304 Bottom 22.0% in 1B-3B tier