BOTHWELL HOSPITAL EMPLOYEES
Charter #61268 | MO
<100M
(2596 CUs)
Micro
($0-$500M)
60 <100M in MO
BOTHWELL HOSPITAL EMPLOYEES has 4 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.29% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 1.81% below tier average
- - Efficiency ratio 11.83% above tier (higher cost structure)
- - Delinquency rate 0.83% above tier average
- - Member decline: -4.0% YoY
- - Asset Growth Rate: Bottom 4.9% in tier
- - Average Member Relationship (AMR): Bottom 5.6% in tier
- - Deposit Growth Rate: Bottom 7.6% in tier
- - Net Worth Ratio: Bottom 8.2% in tier
- - Total Assets: Bottom 8.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
854
-4.0% YoY-4.2% QoQ
|
-1.8K |
2,625
-2.2% YoY
|
15,920
+4.0% YoY
|
33,089
+6.1% YoY
|
Bottom 24.5% in tier |
| Assets |
$1.8M
-10.6% YoY-5.8% QoQ
|
$-28.1M |
$29.9M
+1.1% YoY
|
$210.9M
+9.4% YoY
|
$547.7M
+7.8% YoY
|
Bottom 8.8% in tier |
| Loans |
$1.4M
-9.5% YoY-2.0% QoQ
|
$-14.3M |
$15.8M
-2.4% YoY
|
$147.8M
+9.0% YoY
|
$388.7M
+8.6% YoY
|
Bottom 14.5% in tier |
| Deposits |
$1.6M
-9.7% YoY-3.8% QoQ
|
$-23.8M |
$25.5M
+0.4% YoY
|
$183.9M
+12.2% YoY
|
$464.6M
+9.3% YoY
|
Bottom 10.4% in tier |
| ROA |
-1.1%
-287.3% YoY-504.3% QoQ
|
-1.8% |
0.7%
-731.4% YoY
|
0.6%
+117.2% YoY
|
0.7%
+273.4% YoY
|
Bottom 5.0% in tier |
| NIM |
6.2%
+14.8% YoY+3.3% QoQ
|
+2.3% |
3.9%
+3.8% YoY
|
3.8%
+3.2% YoY
|
3.7%
+5.0% YoY
|
Top 3.3% in tier |
| Efficiency Ratio |
93.2%
+3.2% YoY+10.8% QoQ
|
+11.8% |
81.4%
-2.4% YoY
|
78.5%
-6.5% YoY
|
79.1%
-3.3% YoY
|
Top 18.6% in tier |
| Delinquency Rate |
2.3%
+729.2% YoY
|
+0.8 |
1.5%
-2.0% YoY
|
1.2%
+9.9% YoY
|
1.2%
-0.9% YoY
|
Top 16.5% in tier |
| Loan To Share |
89.6%
+0.2% YoY+1.9% QoQ
|
+28.4% |
61.2%
-3.0% YoY
|
72.3%
-3.7% YoY
|
68.0%
-1.7% YoY
|
Top 11.4% in tier |
| AMR |
$3,581
-5.8% YoY+1.3% QoQ
|
$-11K |
$14,627
-2.7% YoY
|
$16,810
+3.4% YoY
|
$19,418
+1.3% YoY
|
Bottom 5.6% in tier |
| CD Concentration |
0.2%
-43.9% YoY
|
-24.2% |
24.4%
+4.2% YoY
|
18.1%
+9.5% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
10.3%
-9.1% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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 (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
85
Net Interest Margin (NIM)
profitability
Value:
6.22%
Peer Avg: 3.93%
#85 of 2596
Top 3.2% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
291
Loan-to-Share Ratio
balance_sheet
Value:
89.63%
Peer Avg: 61.23%
#291 of 2596
Top 11.2% in <100M tier
602
Share Certificate Concentration (%)
balance_sheet
Value:
0.24%
Peer Avg: 15.37%
#602 of 2596
Top 23.2% in <100M tier
637
Members Per Employee (MPE)
engagement
Value:
427.000
Peer Avg: 365.701
#637 of 2596
Top 24.5% in <100M tier
Top Weaknesses (15 metrics)
2470
Asset Growth Rate
growth
Value:
-10.60%
Peer Avg: 1.82%
#2470 of 2596
Bottom 4.9% in <100M tier
2466
Return on Assets (ROA)
profitability
Value:
-1.13%
Peer Avg: 0.68%
#2466 of 2596
Bottom 5.0% in <100M tier
2451
Average Member Relationship (AMR)
engagement
Value:
$3,581
Peer Avg: $14,627
#2451 of 2596
Bottom 5.6% in <100M tier
2400
Deposit Growth Rate
growth
Value:
-9.74%
Peer Avg: 16.80%
#2400 of 2596
Bottom 7.6% in <100M tier
2384
Net Worth Ratio
risk
Value:
8.79%
Peer Avg: 16.43%
#2384 of 2596
Bottom 8.2% in <100M tier
2368
Total Assets
balance_sheet
Value:
$1.76M
Peer Avg: $29.86M
#2368 of 2596
Bottom 8.8% in <100M tier
2336
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,693
Peer Avg: $5,488
#2336 of 2596
Bottom 10.1% in <100M tier
2325
Total Deposits
balance_sheet
Value:
$1.61M
Peer Avg: $25.45M
#2325 of 2596
Bottom 10.5% in <100M tier
2219
Total Loans
balance_sheet
Value:
$1.45M
Peer Avg: $15.77M
#2219 of 2596
Bottom 14.6% in <100M tier
2198
AMR Growth Rate
growth
Value:
-5.83%
Peer Avg: 4.67%
#2198 of 2596
Bottom 15.4% in <100M tier