GEAUGA
Charter #61220 | OH
100M-500M
(1077 CUs)
Micro
($0-$500M)
58 100M-500M in OH
GEAUGA has 11 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 0.1% in tier
- + Wallet Share Momentum: Top 1.2% in tier
- + Organic Growth Leader: Top 8.9% in tier
- + Emerging Performer: Top 9.7% in tier
- + Organic Growth Engine: Top 14.2% in tier
- + Asset Growth Rate: Top 1.2% in tier
- + Deposit Growth Rate: Top 1.2% in tier
- + Efficiency Ratio: Top 2.2% in tier
- + AMR Growth Rate: Top 2.3% in tier
- + Members Per Employee (MPE): Top 2.9% in tier
- + Net Charge-Off Rate: Top 3.2% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 0.0% in tier
- - Growth-at-Risk: Bottom 1.5% in tier
- - ROA 0.14% below tier average
- - Delinquency rate 2.88% above tier average
- - Total Delinquency Rate (60+ days): Bottom 1.2% in tier
- - Fee Income Per Member: Bottom 3.4% in tier
- - Total Assets: Bottom 6.1% in tier
- - Total Deposits: Bottom 9.2% in tier
- - Total Members: Bottom 9.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,875
+4.1% YoY+0.1% QoQ
|
-8.8K |
15,628
-3.4% YoY
|
16,553
+5.8% YoY
|
33,089
+6.1% YoY
|
Bottom 9.5% in tier |
| Assets |
$108.6M
+30.1% YoY+3.4% QoQ
|
$-122.7M |
$231.3M
-0.0% YoY
|
$245.2M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
Bottom 6.0% in tier |
| Loans |
$69.7M
+9.3% YoY+4.7% QoQ
|
$-78.1M |
$147.8M
-1.4% YoY
|
$170.6M
+8.7% YoY
|
$388.7M
+8.6% YoY
|
Bottom 15.2% in tier |
| Deposits |
$98.1M
+32.9% YoY+3.1% QoQ
|
$-102.1M |
$200.3M
-0.0% YoY
|
$209.1M
+9.7% YoY
|
$464.6M
+9.3% YoY
|
Bottom 9.1% in tier |
| ROA |
0.7%
-53.7% YoY+870.1% QoQ
|
-0.1% |
0.8%
+15.5% YoY
|
0.5%
-7.3% YoY
|
0.7%
+273.4% YoY
|
42nd in tier |
| NIM |
3.2%
-5.5% YoY+90.8% QoQ
|
-0.3% |
3.6%
+6.9% YoY
|
3.7%
+3.3% YoY
|
3.7%
+5.0% YoY
|
29th in tier |
| Efficiency Ratio |
49.9%
-18.3% YoY-48.3% QoQ
|
-27.3% |
77.3%
-3.0% YoY
|
83.9%
+3.6% YoY
|
79.1%
-3.3% YoY
|
Bottom 2.2% in tier |
| Delinquency Rate |
3.7%
+532.3% YoY-30.3% QoQ
|
+2.9 |
0.9%
+7.6% YoY
|
1.5%
+29.9% YoY
|
1.2%
-0.9% YoY
|
Top 1.2% in tier |
| Loan To Share |
71.0%
-17.7% YoY+1.5% QoQ
|
-1.7% |
72.7%
-1.5% YoY
|
63.8%
-2.4% YoY
|
68.0%
-1.7% YoY
|
42nd in tier |
| AMR |
$24,418
+17.2% YoY+3.6% QoQ
|
+$55 |
$24,363
+2.9% YoY
|
$17,099
+5.9% YoY
|
$19,418
+1.3% YoY
|
62nd in tier |
| CD Concentration |
25.2%
+28.7% YoY+2.7% QoQ
|
+0.8% |
24.4%
+4.2% YoY
|
19.2%
+8.0% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % |
2.3%
-41.6% YoY-12.4% QoQ
|
-11.7% |
14.0%
-5.8% YoY
|
11.2%
-0.8% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (5)
Relationship Depth Leader
growth
#3 of 1006 • Top 0.1% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
17.20%
(Tier:
3.68%, National:
4.19%)
Share Draft per Member:
$5.1K
(Tier: $2.8K, National: $2.0K)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
New qualifier
Wallet Share Momentum
growth
#33 of 1006 • Top 1.2% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
17.20%
(Tier:
3.68%, National:
4.19%)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
New qualifier
Organic Growth Leader
growth
#118 of 430 • Top 8.9% in tier
Attracting members without relying on indirect channels. Healthy, sustainable growth model.
Why This Signature
Member Growth (YoY):
4.07%
(Tier:
0.88%, National:
9.37%)
430 of 1077 Community CUs have this signature
| 608 nationally
↓ Shrinking
-21 CUs YoY
|
New qualifier
Emerging Performer
growth
#183 of 627 • Top 9.7% in tier
Profitable credit union with positive returns. May represent growth potential worth exploring.
Why This Signature
Return on Assets:
0.65%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
4.07%
(Tier:
0.88%, National:
9.37%)
627 of 1077 Community CUs have this signature
| 852 nationally
↑ Growing
+13 CUs YoY
|
New qualifier
Organic Growth Engine
growth
#260 of 603 • Top 14.2% in tier
Growing membership while maintaining profitability. Healthy fundamentals in place.
Why This Signature
Member Growth (YoY):
4.07%
(Tier:
0.88%, National:
9.37%)
Return on Assets:
0.65%
(Tier:
0.77%, National:
0.71%)
Indirect Auto %:
2.27%
(Tier:
13.96%, National:
7.90%)
603 of 1077 Community CUs have this signature
| 917 nationally
→ Stable (608→603 CUs)
-5 CUs YoY
|
New qualifier
Concerns (2)
Credit Quality Pressure
risk
#2 of 736 • Bottom 0.0% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
3.14% points
(Tier:
0.04% points, National:
0.07% points)
736 of 1077 Community CUs have this signature
| 1002 nationally
↓ Shrinking
-199 CUs YoY
|
New qualifier
Growth-at-Risk
risk
#23 of 446 • Bottom 1.5% in tier
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Why This Signature
Loan Growth (YoY):
9.33%
(Tier:
3.64%, National:
36.38%)
Delinquency Change (YoY):
3.14% points
(Tier:
0.04% points, National:
0.07% points)
446 of 1077 Community CUs have this signature
| 646 nationally
↓ Shrinking
-77 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 (8 metrics)
14
Asset Growth Rate
growth
Value:
30.13%
Peer Avg: 4.70%
#14 of 1077
Top 1.2% in 100M-500M tier
14
Deposit Growth Rate
growth
Value:
32.90%
Peer Avg: 4.69%
#14 of 1077
Top 1.2% in 100M-500M tier
25
Efficiency Ratio
profitability
Value:
49.94%
Peer Avg: 77.28%
#25 of 1077
Top 2.2% in 100M-500M tier
26
AMR Growth Rate
growth
Value:
17.20%
Peer Avg: 3.64%
#26 of 1077
Top 2.3% in 100M-500M tier
32
Members Per Employee (MPE)
engagement
Value:
572.917
Peer Avg: 332.881
#32 of 1077
Top 2.9% in 100M-500M tier
36
Net Charge-Off Rate
risk
Value:
0.01%
Peer Avg: 0.47%
#36 of 1077
Top 3.2% in 100M-500M tier
136
Member Growth Rate
growth
Value:
4.07%
Peer Avg: 0.72%
#136 of 1077
Top 12.5% in 100M-500M tier
186
Loan Growth Rate
growth
Value:
9.33%
Peer Avg: 3.45%
#186 of 1077
Top 17.2% in 100M-500M tier
Top Weaknesses (8 metrics)
1065
Total Delinquency Rate (60+ days)
risk
Value:
3.73%
Peer Avg: 0.86%
#1065 of 1077
Bottom 1.2% in 100M-500M tier
1041
Fee Income Per Member
profitability
Value:
$55.61
Peer Avg: $174.31
#1041 of 1077
Bottom 3.4% in 100M-500M tier
1012
Total Assets
balance_sheet
Value:
$108.63M
Peer Avg: $231.30M
#1012 of 1077
Bottom 6.1% in 100M-500M tier
979
Total Deposits
balance_sheet
Value:
$98.15M
Peer Avg: $200.29M
#979 of 1077
Bottom 9.2% in 100M-500M tier
975
Total Members
engagement
Value:
6,875
Peer Avg: 15,628
#975 of 1077
Bottom 9.6% in 100M-500M tier
953
First Mortgage Concentration (%)
balance_sheet
Value:
52.18%
Peer Avg: 30.43%
#953 of 1077
Bottom 11.6% in 100M-500M tier
930
Net Worth Ratio
risk
Value:
9.07%
Peer Avg: 12.15%
#930 of 1077
Bottom 13.7% in 100M-500M tier
913
Total Loans
balance_sheet
Value:
$69.73M
Peer Avg: $147.80M
#913 of 1077
Bottom 15.3% in 100M-500M tier