COMMUNITY

Charter #61336 | ND

100M-500M (1077 CUs) Micro
9 100M-500M in ND

COMMUNITY has 8 strengths but faces 12 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 13.4% in tier
  • + Emerging Performer: Top 31.0% in tier
  • + Wallet Share Momentum: Top 31.1% in tier
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Net Charge-Off Rate: Top 1.5% in tier
  • + Average Member Relationship (AMR): Top 5.1% in tier
  • + Total Delinquency Rate (60+ days): Top 6.7% in tier
  • + Net Worth Ratio: Top 7.8% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 1.3% in tier
  • - Membership Headwinds: Bottom 17.6% in tier
  • - Stagnation Risk: Bottom 17.9% in tier
  • - ROA 0.53% below tier average
  • - Efficiency ratio 0.90% above tier (higher cost structure)
  • - Member decline: -2.4% YoY
  • - Net Interest Margin (NIM): Bottom 0.3% in tier
  • - Fee Income Per Member: Bottom 0.6% in tier
  • - Loan-to-Share Ratio: Bottom 0.6% in tier
  • - Total Loans: Bottom 1.2% in tier
  • - Total Members: Bottom 1.7% in tier
  • - Share Certificate Concentration (%): Bottom 6.2% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
Members 4,145
-2.4% YoY-0.5% QoQ
 -11.5K 15,628
-3.4% YoY
 7,412
-0.5% YoY
 33,089
+6.1% YoY
 Bottom 1.6% in tier
Assets $170.5M
-0.5% YoY-0.5% QoQ
 $-60.8M $231.3M
-0.0% YoY
 $201.0M
+5.9% YoY
 $547.7M
+7.8% YoY
 40th in tier
Loans $31.9M
+2.7% YoY+3.2% QoQ
 $-115.9M $147.8M
-1.4% YoY
 $137.9M
+2.5% YoY
 $388.7M
+8.6% YoY
 Bottom 1.1% in tier
Deposits $140.2M
-1.2% YoY-0.9% QoQ
 $-60.1M $200.3M
-0.0% YoY
 $165.9M
+4.4% YoY
 $464.6M
+9.3% YoY
 36th in tier
ROA 0.3%
-133.7% YoY+39.6% QoQ
 -0.5% 0.8%
+15.5% YoY
 0.9%
-6.7% YoY
 0.7%
+273.4% YoY
 Bottom 16.2% in tier
NIM 1.2%
+1474.0% YoY+9.5% QoQ
 -2.4% 3.6%
+6.9% YoY
 3.4%
+7.4% YoY
 3.7%
+5.0% YoY
 Bottom 0.2% in tier
Efficiency Ratio 78.2%
-91.0% YoY-5.7% QoQ
 +0.9% 77.3%
-3.0% YoY
 74.0%
-24.8% YoY
 79.1%
-3.3% YoY
 54th in tier
Delinquency Rate 0.1%
-50.8% YoY-57.6% QoQ
 -0.7 0.9%
+7.6% YoY
 0.9%
-3.9% YoY
 1.2%
-0.9% YoY
 Bottom 6.7% in tier
Loan To Share 22.8%
+3.9% YoY+4.2% QoQ
 -49.9% 72.7%
-1.5% YoY
 72.0%
-4.4% YoY
 68.0%
-1.7% YoY
 Bottom 0.5% in tier
AMR $41,534
+1.9% YoY+0.3% QoQ
 +$17K $24,363
+2.9% YoY
 $32,427
+3.2% YoY
 $19,418
+1.3% YoY
 Top 5.2% in tier
CD Concentration 41.0%
-6.4% YoY+0.2% QoQ
 +16.6% 24.4%
+4.2% YoY
 22.4%
+2.4% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 1.1%
-2.9% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth
#370 of 1006 • Top 13.4% in tier

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

Why This Signature
AMR Growth (YoY): 1.90%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $6.6K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Emerging Performer

growth
#582 of 627 • Top 31.0% in tier

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

Why This Signature
Return on Assets: 0.26%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): -2.36%
(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 | New qualifier

Wallet Share Momentum

growth
#858 of 1006 • Top 31.1% in tier

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

Why This Signature
AMR Growth (YoY): 1.90%
(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 (3)

Liquidity Overhang

risk
#21 of 552 • Bottom 1.3% 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: 16.86%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 22.78%
(Tier: 74.56%, National: 67.96%)
worse than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY

Membership Headwinds

decline
#290 of 550 • Bottom 17.6% in tier

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

Why This Signature
Member Growth (YoY): -2.36%
(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 | Rank worsening

Stagnation Risk

risk
#296 of 550 • Bottom 17.9% 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: 0.26%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -2.36%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $41.5K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 40.98%
(Tier: 24.41%, National: 19.60%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 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)

Comparing against 1077 peers in tier

Top Strengths (6 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
17
Net Charge-Off Rate
risk
Value: 0.00%
Peer Avg: 0.47%
#17 of 1077 Top 1.5% in 100M-500M tier
56
Average Member Relationship (AMR)
engagement
Value: $41,534
Peer Avg: $24,363
#56 of 1077 Top 5.1% in 100M-500M tier
73
Total Delinquency Rate (60+ days)
risk
Value: 0.13%
Peer Avg: 0.86%
#73 of 1077 Top 6.7% in 100M-500M tier
85
Net Worth Ratio
risk
Value: 16.86%
Peer Avg: 12.15%
#85 of 1077 Top 7.8% in 100M-500M tier
119
First Mortgage Concentration (%)
balance_sheet
Value: 8.49%
Peer Avg: 30.43%
#119 of 1077 Top 11.0% in 100M-500M tier

Top Weaknesses (10 metrics)

1075
Net Interest Margin (NIM)
profitability
Value: 1.15%
Peer Avg: 3.58%
#1075 of 1077 Bottom 0.3% in 100M-500M tier
1072
Fee Income Per Member
profitability
Value: $12.33
Peer Avg: $174.31
#1072 of 1077 Bottom 0.6% in 100M-500M tier
1072
Loan-to-Share Ratio
balance_sheet
Value: 22.78%
Peer Avg: 72.70%
#1072 of 1077 Bottom 0.6% in 100M-500M tier
1065
Total Loans
balance_sheet
Value: $31.94M
Peer Avg: $147.80M
#1065 of 1077 Bottom 1.2% in 100M-500M tier
1060
Total Members
engagement
Value: 4,145
Peer Avg: 15,628
#1060 of 1077 Bottom 1.7% in 100M-500M tier
1011
Share Certificate Concentration (%)
balance_sheet
Value: 40.98%
Peer Avg: 23.61%
#1011 of 1077 Bottom 6.2% in 100M-500M tier
949
Deposit Growth Rate
growth
Value: -1.20%
Peer Avg: 4.69%
#949 of 1077 Bottom 12.0% in 100M-500M tier
903
Return on Assets (ROA)
profitability
Value: 0.26%
Peer Avg: 0.79%
#903 of 1077 Bottom 16.2% in 100M-500M tier
900
Asset Growth Rate
growth
Value: -0.51%
Peer Avg: 4.70%
#900 of 1077 Bottom 16.5% in 100M-500M tier
832
Member Growth Rate
growth
Value: -2.36%
Peer Avg: 0.72%
#832 of 1077 Bottom 22.8% in 100M-500M tier