ALLIANCE CATHOLIC

Charter #61759 | MI

500M-750M (169 CUs) Community (281 CUs)
9 500M-750M in MI

ALLIANCE CATHOLIC has 7 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 0.4% in tier
  • + Wallet Share Momentum: Top 4.1% in tier
  • + Organic Growth Leader: Top 29.2% in tier
  • + Organic Growth Engine: Top 32.3% in tier
  • + Net Interest Margin 0.08% above tier average
  • + Loan Growth Rate: Top 2.4% in tier
  • + AMR Growth Rate: Top 7.7% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 14.3% in tier
  • - Liquidity Overhang: Bottom 24.5% in tier
  • - ROA 0.44% below tier average
  • - Efficiency ratio 10.73% above tier (higher cost structure)
  • - Members Per Employee (MPE): Bottom 3.6% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Members 32,848
+0.8% YoY+0.1% QoQ
 -6.9K 39,752
-2.7% YoY
 35,456
+8.6% YoY
 33,089
+6.1% YoY
 30th in tier
Assets $653.9M
+4.3% YoY+1.5% QoQ
 +$31.5M $622.4M
+0.3% YoY
 $650.8M
+12.6% YoY
 $547.7M
+7.8% YoY
 63rd in tier
Loans $399.9M
+24.1% YoY+7.1% QoQ
 $-36.1M $435.9M
-0.4% YoY
 $461.6M
+14.9% YoY
 $388.7M
+8.6% YoY
 33rd in tier
Deposits $572.3M
+3.9% YoY+0.9% QoQ
 +$34.3M $538.0M
+1.3% YoY
 $550.3M
+12.5% YoY
 $464.6M
+9.3% YoY
 70th in tier
ROA 0.2%
-89.8% YoY+46.7% QoQ
 -0.4% 0.7%
+33.9% YoY
 0.8%
-27.1% YoY
 0.7%
+273.4% YoY
 Bottom 17.2% in tier
NIM 3.5%
+18.2% YoY+4.7% QoQ
 +0.1% 3.4%
+8.6% YoY
 3.7%
+8.5% YoY
 3.7%
+5.0% YoY
 57th in tier
Efficiency Ratio 88.8%
+41.4% YoY-2.0% QoQ
 +10.7% 78.1%
-3.4% YoY
 76.1%
-1.3% YoY
 79.1%
-3.3% YoY
 Top 13.6% in tier
Delinquency Rate 0.3%
-48.5% YoY-12.1% QoQ
 -0.5 0.8%
-4.9% YoY
 0.9%
-19.7% YoY
 1.2%
-0.9% YoY
 Bottom 12.4% in tier
Loan To Share 69.9%
+19.4% YoY+6.2% QoQ
 -11.2% 81.0%
-1.8% YoY
 68.1%
+0.3% YoY
 68.0%
-1.7% YoY
 Bottom 18.3% in tier
AMR $29,597
+10.4% YoY+3.2% QoQ
 +$3K $26,482
+2.6% YoY
 $22,054
+2.5% YoY
 $19,418
+1.3% YoY
 73rd in tier
CD Concentration 23.5%
+8.4% YoY+8.3% QoQ
 -0.9% 24.4%
+4.2% YoY
 18.6%
+6.0% YoY
 19.6%
+6.2% YoY
 47th in tier
Indirect Auto % 8.6%
+67.1% YoY+5.4% QoQ
 -5.4% 14.0%
-5.8% YoY
 11.9%
-2.7% YoY
 7.9%
-2.9% YoY
 51st in tier

Signature Analysis

Strengths (4)

Relationship Depth Leader

growth
#12 of 1006 • Top 0.4% in tier

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

Why This Signature
AMR Growth (YoY): 10.45%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $4.6K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Wallet Share Momentum

growth
#113 of 1006 • Top 4.1% in tier

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

Why This Signature
AMR Growth (YoY): 10.45%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Organic Growth Leader

growth
#386 of 430 • Top 29.2% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 0.84%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
430 of 281 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank improving

Organic Growth Engine

growth
#592 of 603 • Top 32.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 0.84%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
Return on Assets: 0.22%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 8.55%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Concerns (2)

Efficiency Drag

risk
#253 of 521 • Bottom 14.3% in tier

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

Why This Signature
Efficiency Ratio: 88.82%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -1.90% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): 0.84%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 281 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | New qualifier

Liquidity Overhang

risk
#380 of 552 • Bottom 24.5% 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: 12.63%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 69.87%
(Tier: 74.56%, National: 67.96%)
worse than tier avg
552 of 281 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank worsening

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 169 peers in tier

Top Strengths (5 metrics)

5
Loan Growth Rate
growth
Value: 24.07%
Peer Avg: 4.04%
#5 of 169 Top 2.4% in 500M-750M tier
14
AMR Growth Rate
growth
Value: 10.45%
Peer Avg: 3.12%
#14 of 169 Top 7.7% in 500M-750M tier
22
Total Delinquency Rate (60+ days)
risk
Value: 0.28%
Peer Avg: 0.80%
#22 of 169 Top 12.4% in 500M-750M tier
35
Fee Income Per Member
profitability
Value: $252.34
Peer Avg: $199.27
#35 of 169 Top 20.1% in 500M-750M tier
36
Net Worth Ratio
risk
Value: 12.63%
Peer Avg: 10.94%
#36 of 169 Top 20.7% in 500M-750M tier

Top Weaknesses (4 metrics)

164
Members Per Employee (MPE)
engagement
Value: 221.946
Peer Avg: 338.010
#164 of 169 Bottom 3.6% in 500M-750M tier
147
Efficiency Ratio
profitability
Value: 88.82%
Peer Avg: 78.10%
#147 of 169 Bottom 13.6% in 500M-750M tier
140
Return on Assets (ROA)
profitability
Value: 0.22%
Peer Avg: 0.66%
#140 of 169 Bottom 17.8% in 500M-750M tier
138
Loan-to-Share Ratio
balance_sheet
Value: 69.87%
Peer Avg: 81.02%
#138 of 169 Bottom 18.9% in 500M-750M tier