ARBOR FINANCIAL

Charter #61708 | MI

750M-1B (112 CUs) Community (281 CUs)
9 750M-1B in MI

ARBOR FINANCIAL has 3 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Share Certificate Concentration (%): Top 6.2% in tier
  • + Fee Income Per Member: Top 9.8% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 9.1% in tier
  • - ROA 0.03% below tier average
  • - Efficiency ratio 5.84% above tier (higher cost structure)
  • - Delinquency rate 0.65% above tier average
  • - Asset Growth Rate: Bottom 7.1% in tier
  • - Loan Growth Rate: Bottom 7.1% in tier
  • - First Mortgage Concentration (%): Bottom 9.8% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Members 46,909
+0.2% YoY+0.3% QoQ
 -5.2K 52,114
-2.1% YoY
 35,456
+8.6% YoY
 33,089
+6.1% YoY
 38th in tier
Assets $898.1M
-4.3% YoY-0.5% QoQ
 +$39.1M $859.0M
+0.0% YoY
 $650.8M
+12.6% YoY
 $547.7M
+7.8% YoY
 70th in tier
Loans $686.6M
-5.2% YoY-1.0% QoQ
 +$83.2M $603.4M
+1.0% YoY
 $461.6M
+14.9% YoY
 $388.7M
+8.6% YoY
 Top 24.1% in tier
Deposits $767.1M
+4.9% YoY-1.0% QoQ
 +$33.0M $734.2M
+0.9% YoY
 $550.3M
+12.5% YoY
 $464.6M
+9.3% YoY
 70th in tier
ROA 0.7%
+0.2% YoY+5.6% QoQ
 -0.0% 0.7%
+27.6% YoY
 0.8%
-27.1% YoY
 0.7%
+273.4% YoY
 46th in tier
NIM 3.0%
+17.9% YoY+2.3% QoQ
 -0.3% 3.4%
+9.6% YoY
 3.7%
+8.5% YoY
 3.7%
+5.0% YoY
 28th in tier
Efficiency Ratio 80.4%
-2.7% YoY-2.2% QoQ
 +5.8% 74.5%
-3.2% YoY
 76.1%
-1.3% YoY
 79.1%
-3.3% YoY
 69th in tier
Delinquency Rate 1.5%
-19.1% YoY-18.2% QoQ
 +0.7 0.8%
+5.0% YoY
 0.9%
-19.7% YoY
 1.2%
-0.9% YoY
 Top 12.5% in tier
Loan To Share 89.5%
-9.7% YoY-0.0% QoQ
 +6.8% 82.7%
+0.1% YoY
 68.1%
+0.3% YoY
 68.0%
-1.7% YoY
 63rd in tier
AMR $30,990
-0.4% YoY-1.2% QoQ
 +$2K $28,651
+2.5% YoY
 $22,054
+2.5% YoY
 $19,418
+1.3% YoY
 70th in tier
CD Concentration 13.9%
-7.3% YoY+1.6% QoQ
 -10.5% 24.4%
+4.2% YoY
 18.6%
+6.0% YoY
 19.6%
+6.2% YoY
 Bottom 15.9% in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 11.9%
-2.7% YoY
 7.9%
-2.9% YoY
 Bottom 0.0% in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (1)

Efficiency Drag

risk
#161 of 521 • Bottom 9.1% in tier

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

Why This Signature
Efficiency Ratio: 80.36%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.00% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): 0.23%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 281 Community CUs have this signature | 624 nationally
↓ Shrinking -113 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 112 peers in tier

Top Strengths (4 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 16.60%
#1 of 112 Top 0.0% in 750M-1B tier
8
Share Certificate Concentration (%)
balance_sheet
Value: 13.90%
Peer Avg: 28.34%
#8 of 112 Top 6.2% in 750M-1B tier
12
Fee Income Per Member
profitability
Value: $320.07
Peer Avg: $204.75
#12 of 112 Top 9.8% in 750M-1B tier
27
Total Loans
balance_sheet
Value: $686.57M
Peer Avg: $603.36M
#27 of 112 Top 23.2% in 750M-1B tier

Top Weaknesses (6 metrics)

105
Asset Growth Rate
growth
Value: -4.28%
Peer Avg: 4.25%
#105 of 112 Bottom 7.1% in 750M-1B tier
105
Loan Growth Rate
growth
Value: -5.23%
Peer Avg: 4.84%
#105 of 112 Bottom 7.1% in 750M-1B tier
102
First Mortgage Concentration (%)
balance_sheet
Value: 54.58%
Peer Avg: 33.64%
#102 of 112 Bottom 9.8% in 750M-1B tier
101
Members Per Employee (MPE)
engagement
Value: 243.052
Peer Avg: 361.634
#101 of 112 Bottom 10.7% in 750M-1B tier
99
Total Delinquency Rate (60+ days)
risk
Value: 1.47%
Peer Avg: 0.82%
#99 of 112 Bottom 12.5% in 750M-1B tier
91
AMR Growth Rate
growth
Value: -0.36%
Peer Avg: 4.90%
#91 of 112 Bottom 19.6% in 750M-1B tier