CASE

Charter #61908 | MI

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

CASE has 6 strengths but faces 13 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 0.6% in tier
  • + Relationship Depth Leader: Top 7.7% in tier
  • + Net Interest Margin 0.62% above tier average
  • + AMR Growth Rate: Top 1.3% in tier
  • + Total Loans: Top 6.7% in tier
  • + Total Members: Top 9.2% in tier

Key Concerns

Areas that may need attention

  • - Membership Headwinds: Bottom 0.5% in tier
  • - Stagnation Risk: Bottom 4.1% in tier
  • - Institutional Decline: Bottom 7.0% in tier
  • - Credit Quality Pressure: Bottom 15.0% in tier
  • - Cost Spiral: Bottom 19.3% in tier
  • - Indirect Auto Dependency: Bottom 27.3% in tier
  • - Efficiency Drag: Bottom 29.2% in tier
  • - Liquidity Strain: Bottom 31.7% in tier
  • - ROA 0.20% below tier average
  • - Efficiency ratio 2.95% above tier (higher cost structure)
  • - Delinquency rate 0.22% above tier average
  • - Member decline: -17.2% YoY
  • - Member Growth Rate: Bottom 1.1% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Members 27,820
-17.2% YoY-1.0% QoQ
 +12.2K 15,628
-3.4% YoY
 35,456
+8.6% YoY
 33,089
+6.1% YoY
 Top 9.3% in tier
Assets $386.5M
+0.6% YoY-3.3% QoQ
 +$155.2M $231.3M
-0.0% YoY
 $650.8M
+12.6% YoY
 $547.7M
+7.8% YoY
 Top 12.5% in tier
Loans $296.6M
-1.2% YoY+2.5% QoQ
 +$148.8M $147.8M
-1.4% YoY
 $461.6M
+14.9% YoY
 $388.7M
+8.6% YoY
 Top 6.8% in tier
Deposits $323.4M
+1.9% YoY-2.4% QoQ
 +$123.1M $200.3M
-0.0% YoY
 $550.3M
+12.5% YoY
 $464.6M
+9.3% YoY
 Top 14.5% in tier
ROA 0.6%
-31.6% YoY+31.6% QoQ
 -0.2% 0.8%
+15.5% YoY
 0.8%
-27.1% YoY
 0.7%
+273.4% YoY
 38th in tier
NIM 4.2%
+8.0% YoY+4.3% QoQ
 +0.6% 3.6%
+6.9% YoY
 3.7%
+8.5% YoY
 3.7%
+5.0% YoY
 Top 16.6% in tier
Efficiency Ratio 80.2%
+8.6% YoY-2.7% QoQ
 +3.0% 77.3%
-3.0% YoY
 76.1%
-1.3% YoY
 79.1%
-3.3% YoY
 62nd in tier
Delinquency Rate 1.1%
+21.5% YoY-0.2% QoQ
 +0.2 0.9%
+7.6% YoY
 0.9%
-19.7% YoY
 1.2%
-0.9% YoY
 74th in tier
Loan To Share 91.7%
-3.1% YoY+5.1% QoQ
 +19.0% 72.7%
-1.5% YoY
 68.1%
+0.3% YoY
 68.0%
-1.7% YoY
 Top 12.6% in tier
AMR $22,286
+21.2% YoY+0.9% QoQ
 $-2K $24,363
+2.9% YoY
 $22,054
+2.5% YoY
 $19,418
+1.3% YoY
 49th in tier
CD Concentration 18.1%
-5.9% YoY-0.3% QoQ
 -6.3% 24.4%
+4.2% YoY
 18.6%
+6.0% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 18.3%
-22.6% YoY-6.6% QoQ
 +4.4% 14.0%
-5.8% YoY
 11.9%
-2.7% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#18 of 1006 • Top 0.6% in tier

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

Why This Signature
AMR Growth (YoY): 21.23%
(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
#213 of 1006 • Top 7.7% in tier

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

Why This Signature
AMR Growth (YoY): 21.23%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.3K
(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

Concerns (8)

Membership Headwinds

decline
#9 of 550 • Bottom 0.5% in tier

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

Why This Signature
Member Growth (YoY): -17.20%
(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

Stagnation Risk

risk
#68 of 550 • Bottom 4.1% 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: 0.58%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -17.20%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $22.3K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 18.09%
(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

Institutional Decline

decline
#56 of 256 • Bottom 7.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $386.51M
(Tier: $231.30M, National: $547.69M)
but better than tier avg
Member Growth (YoY): -17.20%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -1.24%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
256 of 1077 Community CUs have this signature | 293 nationally
↓ Shrinking -43 CUs YoY | Rank worsening

Credit Quality Pressure

risk
#371 of 736 • Bottom 15.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.19% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank improving

Cost Spiral

risk
#48 of 62 • Bottom 19.3% in tier

Historically lean operator now seeing efficiency ratio rise significantly. Efficiency advantage eroding - early intervention critical.

Why This Signature
Efficiency Ratio Change: 6.39% points
(Tier: -2.84% points, National: -1.81% points)
worse than tier avg
Efficiency Ratio (Prior Year): -
(Tier: -, National: -)
Total Assets: $386.51M
(Tier: $231.30M, National: $547.69M)
but better than tier avg
62 of 1077 Community CUs have this signature | 80 nationally
↓ Shrinking -38 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#439 of 525 • Bottom 27.3% in tier

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

Why This Signature
Asset Growth (YoY): 0.57%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 18.35%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -17.20%
(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

Efficiency Drag

risk
#516 of 521 • Bottom 29.2% in tier

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

Why This Signature
Efficiency Ratio: 80.23%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.27% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): -17.20%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | New qualifier

Liquidity Strain

risk
#246 of 258 • Bottom 31.7% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 91.72%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): -1.24%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
258 of 1077 Community CUs have this signature | 484 nationally
↓ Shrinking -28 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 1077 peers in tier

Top Strengths (7 metrics)

15
AMR Growth Rate
growth
Value: 21.23%
Peer Avg: 3.64%
#15 of 1077 Top 1.3% in 100M-500M tier
73
Total Loans
balance_sheet
Value: $296.61M
Peer Avg: $147.80M
#73 of 1077 Top 6.7% in 100M-500M tier
100
Total Members
engagement
Value: 27,820
Peer Avg: 15,628
#100 of 1077 Top 9.2% in 100M-500M tier
135
Total Assets
balance_sheet
Value: $386.51M
Peer Avg: $231.30M
#135 of 1077 Top 12.4% in 100M-500M tier
136
Loan-to-Share Ratio
balance_sheet
Value: 91.72%
Peer Avg: 72.70%
#136 of 1077 Top 12.5% in 100M-500M tier
156
Total Deposits
balance_sheet
Value: $323.38M
Peer Avg: $200.29M
#156 of 1077 Top 14.4% in 100M-500M tier
179
Net Interest Margin (NIM)
profitability
Value: 4.20%
Peer Avg: 3.58%
#179 of 1077 Top 16.5% in 100M-500M tier

Top Weaknesses (2 metrics)

1066
Member Growth Rate
growth
Value: -17.20%
Peer Avg: 0.72%
#1066 of 1077 Bottom 1.1% in 100M-500M tier
837
Asset Growth Rate
growth
Value: 0.57%
Peer Avg: 4.70%
#837 of 1077 Bottom 22.4% in 100M-500M tier