AZURA

Charter #61823 | KS

750M-1B (112 CUs) Community (281 CUs)
2 750M-1B in KS

AZURA has 1 strength but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Net Interest Margin 0.52% above tier average

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 15.3% in tier
  • - ROA 0.49% below tier average
  • - Efficiency ratio 4.22% above tier (higher cost structure)
  • - Indirect Auto Concentration (%): Bottom 5.4% in tier
  • - Net Charge-Off Rate: Bottom 8.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Members 63,020
+0.1% YoY-0.1% QoQ
 +10.9K 52,114
-2.1% YoY
 17,915
-2.9% YoY
 33,089
+6.1% YoY
 Top 25.0% in tier
Assets $824.4M
-0.7% YoY-0.4% QoQ
 $-34.6M $859.0M
+0.0% YoY
 $244.1M
-6.9% YoY
 $547.7M
+7.8% YoY
 37th in tier
Loans $585.4M
-2.9% YoY-0.5% QoQ
 $-17.9M $603.4M
+1.0% YoY
 $175.9M
-4.8% YoY
 $388.7M
+8.6% YoY
 38th in tier
Deposits $711.6M
+2.0% YoY-0.5% QoQ
 $-22.6M $734.2M
+0.9% YoY
 $209.0M
-2.4% YoY
 $464.6M
+9.3% YoY
 42nd in tier
ROA 0.2%
-42.3% YoY+22.7% QoQ
 -0.5% 0.7%
+27.6% YoY
 0.7%
+53.0% YoY
 0.7%
+273.4% YoY
 Bottom 19.6% in tier
NIM 3.9%
+5.4% YoY+0.3% QoQ
 +0.5% 3.4%
+9.6% YoY
 4.0%
+8.4% YoY
 3.7%
+5.0% YoY
 Top 17.9% in tier
Efficiency Ratio 78.7%
+5.0% YoY+0.4% QoQ
 +4.2% 74.5%
-3.2% YoY
 77.0%
-6.2% YoY
 79.1%
-3.3% YoY
 62nd in tier
Delinquency Rate 0.6%
-35.2% YoY-43.9% QoQ
 -0.2 0.8%
+5.0% YoY
 1.2%
-23.8% YoY
 1.2%
-0.9% YoY
 39th in tier
Loan To Share 82.3%
-4.7% YoY-0.1% QoQ
 -0.4% 82.7%
+0.1% YoY
 71.9%
-2.0% YoY
 68.0%
-1.7% YoY
 38th in tier
AMR $20,581
-0.3% YoY-0.4% QoQ
 $-8K $28,651
+2.5% YoY
 $16,347
+1.3% YoY
 $19,418
+1.3% YoY
 Bottom 18.8% in tier
CD Concentration 32.5%
-3.2% YoY+3.1% QoQ
 +8.1% 24.4%
+4.2% YoY
 24.2%
-2.2% YoY
 19.6%
+6.2% YoY
 Top 22.3% in tier
Indirect Auto % 46.3%
-5.3% YoY-2.0% QoQ
 +32.3% 14.0%
-5.8% YoY
 12.4%
-5.6% YoY
 7.9%
-2.9% YoY
 Top 4.9% in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (1)

Indirect Auto Dependency

risk
#247 of 525 • Bottom 15.3% in tier

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

Why This Signature
Asset Growth (YoY): -0.72%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 46.26%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 0.07%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 281 Community CUs have this signature | 768 nationally
↓ Shrinking -18 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 112 peers in tier

Top Strengths (3 metrics)

20
Net Interest Margin (NIM)
profitability
Value: 3.89%
Peer Avg: 3.38%
#20 of 112 Top 17.0% in 750M-1B tier
25
First Mortgage Concentration (%)
balance_sheet
Value: 21.52%
Peer Avg: 33.64%
#25 of 112 Top 21.4% in 750M-1B tier
28
Total Members
engagement
Value: 63,020
Peer Avg: 52,114
#28 of 112 Top 24.1% in 750M-1B tier

Top Weaknesses (9 metrics)

107
Indirect Auto Concentration (%)
balance_sheet
Value: 46.26%
Peer Avg: 16.60%
#107 of 112 Bottom 5.4% in 750M-1B tier
103
Net Charge-Off Rate
risk
Value: 1.38%
Peer Avg: 0.61%
#103 of 112 Bottom 8.9% in 750M-1B tier
99
Loan Growth Rate
growth
Value: -2.86%
Peer Avg: 4.84%
#99 of 112 Bottom 12.5% in 750M-1B tier
94
Asset Growth Rate
growth
Value: -0.72%
Peer Avg: 4.25%
#94 of 112 Bottom 17.0% in 750M-1B tier
91
Average Member Relationship (AMR)
engagement
Value: $20,581
Peer Avg: $28,651
#91 of 112 Bottom 19.6% in 750M-1B tier
90
Return on Assets (ROA)
profitability
Value: 0.22%
Peer Avg: 0.71%
#90 of 112 Bottom 20.5% in 750M-1B tier
90
AMR Growth Rate
growth
Value: -0.33%
Peer Avg: 4.90%
#90 of 112 Bottom 20.5% in 750M-1B tier
88
Loan-to-Member Ratio (LMR)
engagement
Value: $9,290
Peer Avg: $12,810
#88 of 112 Bottom 22.3% in 750M-1B tier
85
Deposit Growth Rate
growth
Value: 1.98%
Peer Avg: 5.03%
#85 of 112 Bottom 25.0% in 750M-1B tier