ISABELLA COMMUNITY

Charter #61318 | MI

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

ISABELLA COMMUNITY has 4 strengths but faces 4 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 13.1% in tier
  • + Relationship Depth Leader: Top 30.1% in tier
  • + Wallet Share Momentum: Top 32.5% in tier
  • + ROA 0.37% above tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 9.5% in tier
  • - Stagnation Risk: Bottom 20.2% in tier
  • - Institutional Decline: Bottom 30.4% in tier
  • - Membership Headwinds: Bottom 33.3% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Members 13,512
-0.5% YoY+0.3% QoQ
 -2.1K 15,628
-3.4% YoY
 35,456
+8.6% YoY
 33,089
+6.1% YoY
 50th in tier
Assets $213.2M
+4.5% YoY+0.1% QoQ
 $-18.1M $231.3M
-0.0% YoY
 $650.8M
+12.6% YoY
 $547.7M
+7.8% YoY
 54th in tier
Loans $115.4M
-2.0% YoY-1.5% QoQ
 $-32.4M $147.8M
-1.4% YoY
 $461.6M
+14.9% YoY
 $388.7M
+8.6% YoY
 45th in tier
Deposits $191.4M
+3.1% YoY-0.4% QoQ
 $-8.9M $200.3M
-0.0% YoY
 $550.3M
+12.5% YoY
 $464.6M
+9.3% YoY
 57th in tier
ROA 1.2%
+171.6% YoY-2.1% QoQ
 +0.4% 0.8%
+15.5% YoY
 0.8%
-27.1% YoY
 0.7%
+273.4% YoY
 Top 24.1% in tier
NIM 3.3%
+24.8% YoY+3.1% QoQ
 -0.3% 3.6%
+6.9% YoY
 3.7%
+8.5% YoY
 3.7%
+5.0% YoY
 31st in tier
Efficiency Ratio 74.1%
-14.0% YoY+0.7% QoQ
 -3.2% 77.3%
-3.0% YoY
 76.1%
-1.3% YoY
 79.1%
-3.3% YoY
 38th in tier
Delinquency Rate 0.7%
+93.8% YoY-21.8% QoQ
 -0.2 0.9%
+7.6% YoY
 0.9%
-19.7% YoY
 1.2%
-0.9% YoY
 50th in tier
Loan To Share 60.3%
-4.9% YoY-1.1% QoQ
 -12.4% 72.7%
-1.5% YoY
 68.1%
+0.3% YoY
 68.0%
-1.7% YoY
 Bottom 22.0% in tier
AMR $22,708
+1.6% YoY-1.1% QoQ
 $-2K $24,363
+2.9% YoY
 $22,054
+2.5% YoY
 $19,418
+1.3% YoY
 52nd in tier
CD Concentration 21.1%
-1.4% YoY+5.9% QoQ
 -3.3% 24.4%
+4.2% YoY
 18.6%
+6.0% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 8.5%
-2.2% YoY+1.0% QoQ
 -5.5% 14.0%
-5.8% YoY
 11.9%
-2.7% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Emerging Performer

growth
#247 of 627 • Top 13.1% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 1.16%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): -0.51%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank improving

Relationship Depth Leader

growth
#831 of 1006 • Top 30.1% in tier

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

Why This Signature
AMR Growth (YoY): 1.62%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $2.6K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#897 of 1006 • Top 32.5% in tier

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

Why This Signature
AMR Growth (YoY): 1.62%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Concerns (4)

Credit Quality Pressure

risk
#235 of 736 • Bottom 9.5% in tier

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

Why This Signature
Delinquency Change (YoY): 0.33% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | New qualifier

Stagnation Risk

risk
#334 of 550 • Bottom 20.2% 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: 1.16%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -0.51%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $22.7K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 21.12%
(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 | New qualifier

Institutional Decline

decline
#240 of 256 • Bottom 30.4% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $213.24M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
Member Growth (YoY): -0.51%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -1.99%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
256 of 1077 Community CUs have this signature | 293 nationally
↓ Shrinking -43 CUs YoY | New qualifier

Membership Headwinds

decline
#549 of 550 • Bottom 33.3% in tier

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

Why This Signature
Member Growth (YoY): -0.51%
(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 | 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)

Comparing against 1077 peers in tier

Top Strengths (2 metrics)

190
Fee Income Per Member
profitability
Value: $233.92
Peer Avg: $174.31
#190 of 1077 Top 17.5% in 100M-500M tier
260
Return on Assets (ROA)
profitability
Value: 1.16%
Peer Avg: 0.79%
#260 of 1077 Top 24.0% in 100M-500M tier

Top Weaknesses (2 metrics)

850
Net Worth Ratio
risk
Value: 9.56%
Peer Avg: 12.15%
#850 of 1077 Bottom 21.2% in 100M-500M tier
840
Loan-to-Share Ratio
balance_sheet
Value: 60.29%
Peer Avg: 72.70%
#840 of 1077 Bottom 22.1% in 100M-500M tier