LEADERS CREDIT UNION
Charter #61185 | TN
1B-3B
(304 CUs)
Mid-Market
($1B-$5B)
(380 CUs)
4 1B-3B in TN
LEADERS CREDIT UNION has 11 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 0.2% in tier
- + Organic Growth Engine: Top 2.3% in tier
- + Wallet Share Momentum: Top 24.5% in tier
- + Relationship Depth Leader: Top 34.5% in tier
- + ROA 0.72% above tier average
- + Net Interest Margin 0.00% above tier average
- + Strong member growth: 8.9% YoY
- + Fee Income Per Member: Top 3.6% in tier
- + Asset Growth Rate: Top 5.3% in tier
- + Member Growth Rate: Top 6.6% in tier
- + Deposit Growth Rate: Top 8.6% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 2.4% in tier
- - Liquidity Strain: Bottom 2.9% in tier
- - Indirect Auto Concentration (%): Bottom 5.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
87,038
+8.9% YoY+3.5% QoQ
|
-11.6K |
98,678
-1.9% YoY
|
21,139
+4.9% YoY
|
33,089
+6.1% YoY
|
49th in tier |
| Assets |
$1.3B
+13.4% YoY+3.1% QoQ
|
$-446.8M |
$1.7B
+0.5% YoY
|
$362.5M
+9.5% YoY
|
$547.7M
+7.8% YoY
|
28th in tier |
| Loans |
$1.1B
+11.6% YoY+1.3% QoQ
|
$-148.0M |
$1.2B
+0.5% YoY
|
$271.1M
+9.1% YoY
|
$388.7M
+8.6% YoY
|
48th in tier |
| Deposits |
$1.1B
+13.0% YoY+3.2% QoQ
|
$-390.8M |
$1.5B
+1.3% YoY
|
$303.0M
+8.7% YoY
|
$464.6M
+9.3% YoY
|
28th in tier |
| ROA |
1.4%
+3.2% YoY-1.7% QoQ
|
+0.7% |
0.7%
+13.4% YoY
|
0.8%
+4.1% YoY
|
0.7%
+273.4% YoY
|
Top 7.9% in tier |
| NIM |
3.3%
+4.8% YoY+0.3% QoQ
|
+0.0% |
3.3%
+9.3% YoY
|
3.8%
+5.1% YoY
|
3.7%
+5.0% YoY
|
50th in tier |
| Efficiency Ratio |
65.1%
-2.1% YoY+1.3% QoQ
|
-8.9% |
74.0%
-10.9% YoY
|
75.4%
-1.8% YoY
|
79.1%
-3.3% YoY
|
Bottom 17.1% in tier |
| Delinquency Rate |
0.6%
-7.4% YoY+21.8% QoQ
|
-0.2 |
0.8%
+6.1% YoY
|
1.1%
+8.5% YoY
|
1.2%
-0.9% YoY
|
43rd in tier |
| Loan To Share |
102.0%
-1.3% YoY-1.8% QoQ
|
+16.8% |
85.2%
-0.8% YoY
|
70.4%
-2.4% YoY
|
68.0%
-1.7% YoY
|
Top 10.5% in tier |
| AMR |
$24,685
+3.2% YoY-1.3% QoQ
|
$-4K |
$29,172
+2.8% YoY
|
$18,470
+2.4% YoY
|
$19,418
+1.3% YoY
|
33rd in tier |
| CD Concentration |
32.2%
-13.1% YoY-0.7% QoQ
|
+3.2% |
29.0%
+0.8% YoY
|
22.3%
+6.6% YoY
|
19.6%
+6.2% YoY
|
66th in tier |
| Indirect Auto % |
47.3%
+4.3% YoY-0.8% QoQ
|
+28.5% |
18.8%
-2.8% YoY
|
6.9%
+1.1% YoY
|
7.9%
-2.9% YoY
|
Top 5.8% in tier |
Signature Analysis
Strengths (4)
Emerging Performer
growth
#2 of 184 • Top 0.2% in tier
Profitable credit union with positive returns. May represent growth potential worth exploring.
Why This Signature
Return on Assets:
1.43%
(Tier:
0.71%, National:
0.71%)
Member Growth (YoY):
8.85%
(Tier:
3.18%, National:
9.37%)
184 of 380 Mid-Market CUs have this signature
| 852 nationally
↑ Growing
+18 CUs YoY
|
Rank improving
Organic Growth Engine
growth
#18 of 246 • Top 2.3% in tier
Growing membership while maintaining profitability. Healthy fundamentals in place.
Why This Signature
Member Growth (YoY):
8.85%
(Tier:
3.18%, National:
9.37%)
Return on Assets:
1.43%
(Tier:
0.71%, National:
0.71%)
Indirect Auto %:
47.32%
(Tier:
18.80%, National:
7.90%)
246 of 380 Mid-Market CUs have this signature
| 917 nationally
↑ Growing
+14 CUs YoY
|
Rank improving
Wallet Share Momentum
growth
#178 of 264 • Top 24.5% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
3.16%
(Tier:
3.04%, National:
4.19%)
264 of 380 Mid-Market CUs have this signature
| 1330 nationally
↑ Growing
+60 CUs YoY
|
Rank worsening
Relationship Depth Leader
growth
#250 of 264 • Top 34.5% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
3.16%
(Tier:
3.04%, National:
4.19%)
Share Draft per Member:
$1.5K
(Tier: $3.1K, National: $2.0K)
264 of 380 Mid-Market CUs have this signature
| 1330 nationally
↑ Growing
+60 CUs YoY
|
Rank worsening
Concerns (2)
Indirect Auto Dependency
risk
#16 of 202 • Bottom 2.4% in tier
Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Why This Signature
Asset Growth (YoY):
13.44%
(Tier:
5.36%, National:
3.04%)
Indirect Auto %:
47.32%
(Tier:
18.80%, National:
7.90%)
Member Growth (YoY):
8.85%
(Tier:
3.18%, National:
9.37%)
202 of 380 Mid-Market CUs have this signature
| 768 nationally
↓ Shrinking
-7 CUs YoY
|
Rank improving
Liquidity Strain
risk
#16 of 183 • Bottom 2.9% in tier
Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Why This Signature
Loan-to-Share Ratio:
102.03%
(Tier:
86.35%, National:
67.96%)
Loan Growth (YoY):
11.57%
(Tier:
6.14%, National:
36.38%)
183 of 380 Mid-Market CUs have this signature
| 484 nationally
↑ Growing
+10 CUs YoY
|
Rank improving
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 (9 metrics)
12
Fee Income Per Member
profitability
Value:
$366.85
Peer Avg: $210.52
#12 of 304
Top 3.6% in 1B-3B tier
17
Asset Growth Rate
growth
Value:
13.44%
Peer Avg: 4.83%
#17 of 304
Top 5.3% in 1B-3B tier
21
Member Growth Rate
growth
Value:
8.85%
Peer Avg: 2.20%
#21 of 304
Top 6.6% in 1B-3B tier
24
Return on Assets (ROA)
profitability
Value:
1.43%
Peer Avg: 0.70%
#24 of 304
Top 7.6% in 1B-3B tier
27
Deposit Growth Rate
growth
Value:
13.05%
Peer Avg: 5.58%
#27 of 304
Top 8.6% in 1B-3B tier
32
Loan-to-Share Ratio
balance_sheet
Value:
102.03%
Peer Avg: 85.19%
#32 of 304
Top 10.2% in 1B-3B tier
33
First Mortgage Concentration (%)
balance_sheet
Value:
17.47%
Peer Avg: 34.01%
#33 of 304
Top 10.5% in 1B-3B tier
43
Loan Growth Rate
growth
Value:
11.57%
Peer Avg: 5.27%
#43 of 304
Top 13.8% in 1B-3B tier
53
Efficiency Ratio
profitability
Value:
65.07%
Peer Avg: 73.97%
#53 of 304
Top 17.1% in 1B-3B tier
Top Weaknesses (1 metrics)
287
Indirect Auto Concentration (%)
balance_sheet
Value:
47.32%
Peer Avg: 18.32%
#287 of 304
Bottom 5.9% in 1B-3B tier