COMMUNITY WEST

Charter #61677 | MI

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

COMMUNITY WEST has 3 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 17.0% in tier
  • + Relationship Depth Leader: Top 19.5% in tier
  • + Emerging Performer: Top 32.9% in tier

Key Concerns

Areas that may need attention

  • - Membership Headwinds: Bottom 8.3% in tier
  • - Efficiency Drag: Bottom 12.1% in tier
  • - Indirect Auto Dependency: Bottom 18.1% in tier
  • - Stagnation Risk: Bottom 24.0% in tier
  • - ROA 0.62% below tier average
  • - Efficiency ratio 16.41% above tier (higher cost structure)
  • - Member decline: -4.5% YoY

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Members 18,262
-4.5% YoY-1.0% QoQ
 +2.6K 15,628
-3.4% YoY
 35,456
+8.6% YoY
 33,089
+6.1% YoY
 69th in tier
Assets $247.7M
+0.2% YoY-1.5% QoQ
 +$16.4M $231.3M
-0.0% YoY
 $650.8M
+12.6% YoY
 $547.7M
+7.8% YoY
 63rd in tier
Loans $148.2M
+1.2% YoY+1.3% QoQ
 +$451K $147.8M
-1.4% YoY
 $461.6M
+14.9% YoY
 $388.7M
+8.6% YoY
 60th in tier
Deposits $223.9M
-0.1% YoY-2.1% QoQ
 +$23.7M $200.3M
-0.0% YoY
 $550.3M
+12.5% YoY
 $464.6M
+9.3% YoY
 65th in tier
ROA 0.2%
-293.6% YoY+4.8% QoQ
 -0.6% 0.8%
+15.5% YoY
 0.8%
-27.1% YoY
 0.7%
+273.4% YoY
 Bottom 12.2% in tier
NIM 2.9%
+6.5% YoY+3.8% QoQ
 -0.7% 3.6%
+6.9% YoY
 3.7%
+8.5% YoY
 3.7%
+5.0% YoY
 Bottom 14.1% in tier
Efficiency Ratio 93.7%
-7.1% YoY-3.3% QoQ
 +16.4% 77.3%
-3.0% YoY
 76.1%
-1.3% YoY
 79.1%
-3.3% YoY
 Top 5.8% in tier
Delinquency Rate 0.4%
-17.5% YoY-14.2% QoQ
 -0.4 0.9%
+7.6% YoY
 0.9%
-19.7% YoY
 1.2%
-0.9% YoY
 33rd in tier
Loan To Share 66.2%
+1.4% YoY+3.4% QoQ
 -6.5% 72.7%
-1.5% YoY
 68.1%
+0.3% YoY
 68.0%
-1.7% YoY
 33rd in tier
AMR $20,381
+5.1% YoY+0.2% QoQ
 $-4K $24,363
+2.9% YoY
 $22,054
+2.5% YoY
 $19,418
+1.3% YoY
 38th in tier
CD Concentration 18.1%
+19.0% YoY+5.3% QoQ
 -6.3% 24.4%
+4.2% YoY
 18.6%
+6.0% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 31.5%
-9.8% YoY-0.8% QoQ
 +17.6% 14.0%
-5.8% YoY
 11.9%
-2.7% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth
#469 of 1006 • Top 17.0% in tier

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

Why This Signature
AMR Growth (YoY): 5.12%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Relationship Depth Leader

growth
#539 of 1006 • Top 19.5% in tier

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

Why This Signature
AMR Growth (YoY): 5.12%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.5K
(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 improving

Emerging Performer

growth
#618 of 627 • Top 32.9% in tier

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

Why This Signature
Return on Assets: 0.17%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): -4.49%
(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

Concerns (4)

Membership Headwinds

decline
#138 of 550 • Bottom 8.3% in tier

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

Why This Signature
Member Growth (YoY): -4.49%
(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 improving

Efficiency Drag

risk
#214 of 521 • Bottom 12.1% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 93.69%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.25% points
(Tier: 0.11% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): -4.49%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank worsening

Indirect Auto Dependency

risk
#291 of 525 • Bottom 18.1% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 0.24%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 31.52%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -4.49%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank worsening

Stagnation Risk

risk
#395 of 550 • Bottom 24.0% 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: 0.17%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -4.49%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $20.4K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 18.13%
(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 | 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 (0 metrics)

No strength rankings available

Top Weaknesses (8 metrics)

1015
Efficiency Ratio
profitability
Value: 93.69%
Peer Avg: 77.28%
#1015 of 1077 Bottom 5.8% in 100M-500M tier
958
Member Growth Rate
growth
Value: -4.49%
Peer Avg: 0.72%
#958 of 1077 Bottom 11.1% in 100M-500M tier
946
Return on Assets (ROA)
profitability
Value: 0.17%
Peer Avg: 0.79%
#946 of 1077 Bottom 12.3% in 100M-500M tier
925
Net Interest Margin (NIM)
profitability
Value: 2.86%
Peer Avg: 3.58%
#925 of 1077 Bottom 14.2% in 100M-500M tier
920
Net Worth Ratio
risk
Value: 9.14%
Peer Avg: 12.15%
#920 of 1077 Bottom 14.7% in 100M-500M tier
912
Indirect Auto Concentration (%)
balance_sheet
Value: 31.52%
Peer Avg: 13.34%
#912 of 1077 Bottom 15.4% in 100M-500M tier
882
Deposit Growth Rate
growth
Value: -0.14%
Peer Avg: 4.69%
#882 of 1077 Bottom 18.2% in 100M-500M tier
866
Asset Growth Rate
growth
Value: 0.24%
Peer Avg: 4.70%
#866 of 1077 Bottom 19.7% in 100M-500M tier