FORT MCCLELLAN
Charter #61800 | AL
100M-500M
(1077 CUs)
Micro
($0-$500M)
20 100M-500M in AL
FORT MCCLELLAN faces 14 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 0.1% in tier
- - Credit Quality Pressure: Bottom 11.6% in tier
- - Liquidity Overhang: Bottom 12.9% in tier
- - Deposit Outflow: Bottom 17.2% in tier
- - Shrinking Wallet Share: Bottom 19.7% in tier
- - Accelerating Exit Risk: Bottom 20.6% in tier
- - Institutional Decline: Bottom 27.7% in tier
- - Membership Headwinds: Bottom 33.0% in tier
- - Stagnation Risk: Bottom 33.3% in tier
- - ROA 1.04% below tier average
- - Efficiency ratio 21.28% above tier (higher cost structure)
- - Asset Growth Rate: Bottom 4.4% in tier
- - Loan-to-Share Ratio: Bottom 8.7% in tier
- - Members Per Employee (MPE): Bottom 9.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
15,393
-0.5% YoY+0.6% QoQ
|
-235 |
15,628
-3.4% YoY
|
29,240
-2.8% YoY
|
33,089
+6.1% YoY
|
59th in tier |
| Assets |
$221.5M
-4.3% YoY-1.2% QoQ
|
$-9.8M |
$231.3M
-0.0% YoY
|
$436.7M
+7.4% YoY
|
$547.7M
+7.8% YoY
|
57th in tier |
| Loans |
$95.9M
-4.2% YoY+0.0% QoQ
|
$-51.9M |
$147.8M
-1.4% YoY
|
$258.0M
+6.8% YoY
|
$388.7M
+8.6% YoY
|
32nd in tier |
| Deposits |
$200.2M
-0.6% YoY-1.6% QoQ
|
$-125K |
$200.3M
-0.0% YoY
|
$382.5M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
59th in tier |
| ROA |
-0.2%
-11.0% YoY-7.6% QoQ
|
-1.0% |
0.8%
+15.5% YoY
|
0.8%
+31.6% YoY
|
0.7%
+273.4% YoY
|
Bottom 3.4% in tier |
| NIM |
2.8%
+26.2% YoY+3.9% QoQ
|
-0.8% |
3.6%
+6.9% YoY
|
3.7%
+6.4% YoY
|
3.7%
+5.0% YoY
|
Bottom 11.9% in tier |
| Efficiency Ratio |
98.6%
-5.8% YoY-0.4% QoQ
|
+21.3% |
77.3%
-3.0% YoY
|
76.4%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Top 3.0% in tier |
| Delinquency Rate |
0.8%
+52.2% YoY+1.8% QoQ
|
-0.1 |
0.9%
+7.6% YoY
|
1.7%
+18.9% YoY
|
1.2%
-0.9% YoY
|
58th in tier |
| Loan To Share |
47.9%
-3.6% YoY+1.6% QoQ
|
-24.8% |
72.7%
-1.5% YoY
|
60.8%
-1.6% YoY
|
68.0%
-1.7% YoY
|
Bottom 8.6% in tier |
| AMR |
$19,236
-1.2% YoY-1.7% QoQ
|
$-5K |
$24,363
+2.9% YoY
|
$17,062
+2.3% YoY
|
$19,418
+1.3% YoY
|
30th in tier |
| CD Concentration |
26.1%
-9.5% YoY-0.9% QoQ
|
+1.7% |
24.4%
+4.2% YoY
|
20.8%
+2.9% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % |
13.8%
-6.1% YoY-2.5% QoQ
|
-0.2% |
14.0%
-5.8% YoY
|
5.4%
-6.7% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (9)
Efficiency Drag
risk
#3 of 521 • Bottom 0.1% in tier
High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Why This Signature
Efficiency Ratio:
98.55%
(Tier:
77.15%, National:
79.10%)
ROA Change (YoY):
0.03% points
(Tier:
0.11% points, National:
0.05% points)
Member Growth (YoY):
-0.54%
(Tier:
0.88%, National:
9.37%)
521 of 1077 Community CUs have this signature
| 624 nationally
↓ Shrinking
-113 CUs YoY
Credit Quality Pressure
risk
#287 of 736 • Bottom 11.6% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
0.27% points
(Tier:
0.04% points, National:
0.07% points)
736 of 1077 Community CUs have this signature
| 1002 nationally
↓ Shrinking
-199 CUs YoY
|
Rank improving
Liquidity Overhang
risk
#200 of 552 • Bottom 12.9% 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:
12.93%
(Tier:
11.95%, National:
14.51%)
Loan-to-Share Ratio:
47.93%
(Tier:
74.56%, National:
67.96%)
552 of 1077 Community CUs have this signature
| 691 nationally
↑ Growing
+65 CUs YoY
Deposit Outflow
decline
#102 of 114 • Bottom 17.2% in tier
Members staying but deposits leaving. They're losing to higher-yield competitors - rate pressure is real.
Why This Signature
Deposit Growth (YoY):
-0.58%
(Tier:
4.79%, National:
12.00%)
Total Assets:
$221.45M
(Tier: $231.30M, National: $547.69M)
114 of 1077 Community CUs have this signature
| 143 nationally
↓ Shrinking
-169 CUs YoY
|
New qualifier
Shrinking Wallet Share
decline
#197 of 244 • Bottom 19.7% in tier
Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Why This Signature
AMR Growth (YoY):
-1.25%
(Tier:
3.68%, National:
4.19%)
244 of 1077 Community CUs have this signature
| 346 nationally
↓ Shrinking
-221 CUs YoY
|
New qualifier
Accelerating Exit Risk
decline
#55 of 58 • Bottom 20.6% in tier
Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Why This Signature
Member Growth (YoY):
-0.54%
(Tier:
0.88%, National:
9.37%)
AMR Growth (YoY):
-1.25%
(Tier:
3.68%, National:
4.19%)
58 of 1077 Community CUs have this signature
| 73 nationally
↓ Shrinking
-89 CUs YoY
|
New qualifier
Institutional Decline
decline
#219 of 256 • Bottom 27.7% in tier
Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Why This Signature
Total Assets:
$221.45M
(Tier: $231.30M, National: $547.69M)
Member Growth (YoY):
-0.54%
(Tier:
0.88%, National:
9.37%)
Loan Growth (YoY):
-4.19%
(Tier:
3.64%, National:
36.38%)
256 of 1077 Community CUs have this signature
| 293 nationally
↓ Shrinking
-43 CUs YoY
|
Rank worsening
Membership Headwinds
decline
#544 of 550 • Bottom 33.0% in tier
Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Why This Signature
Member Growth (YoY):
-0.54%
(Tier:
0.88%, National:
9.37%)
550 of 1077 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
Rank worsening
Stagnation Risk
risk
#549 of 550 • Bottom 33.3% 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:
-0.25%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
-0.54%
(Tier:
0.88%, National:
9.37%)
Avg Member Relationship:
$19.2K
(Tier: $25.0K, National: $19.4K)
CD Concentration:
26.14%
(Tier:
24.41%, National:
19.60%)
550 of 1077 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 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)
Top Strengths (0 metrics)
No strength rankings available
Top Weaknesses (11 metrics)
1046
Efficiency Ratio
profitability
Value:
98.55%
Peer Avg: 77.28%
#1046 of 1077
Bottom 3.0% in 100M-500M tier
1040
Return on Assets (ROA)
profitability
Value:
-0.25%
Peer Avg: 0.79%
#1040 of 1077
Bottom 3.5% in 100M-500M tier
1031
Asset Growth Rate
growth
Value:
-4.31%
Peer Avg: 4.70%
#1031 of 1077
Bottom 4.4% in 100M-500M tier
984
Loan-to-Share Ratio
balance_sheet
Value:
47.93%
Peer Avg: 72.70%
#984 of 1077
Bottom 8.7% in 100M-500M tier
978
Members Per Employee (MPE)
engagement
Value:
223.087
Peer Avg: 332.881
#978 of 1077
Bottom 9.3% in 100M-500M tier
949
Net Interest Margin (NIM)
profitability
Value:
2.80%
Peer Avg: 3.58%
#949 of 1077
Bottom 12.0% in 100M-500M tier
917
Deposit Growth Rate
growth
Value:
-0.58%
Peer Avg: 4.69%
#917 of 1077
Bottom 14.9% in 100M-500M tier
917
AMR Growth Rate
growth
Value:
-1.25%
Peer Avg: 3.64%
#917 of 1077
Bottom 14.9% in 100M-500M tier
909
Loan-to-Member Ratio (LMR)
engagement
Value:
$6,232
Peer Avg: $10,245
#909 of 1077
Bottom 15.7% in 100M-500M tier
906
Loan Growth Rate
growth
Value:
-4.19%
Peer Avg: 3.45%
#906 of 1077
Bottom 16.0% in 100M-500M tier