MEMBERS CHOICE

Charter #62026 | KY

100M-500M (1077 CUs) Micro
10 100M-500M in KY

MEMBERS CHOICE has 5 strengths but faces 9 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 28.5% in tier
  • + Relationship Depth Leader: Top 34.8% in tier
  • + Total Deposits: Top 6.7% in tier
  • + Total Loans: Top 8.8% in tier
  • + Total Assets: Top 9.2% in tier

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 15.3% in tier
  • - Stagnation Risk: Bottom 28.6% in tier
  • - Membership Headwinds: Bottom 32.2% in tier
  • - Flatlined Growth: Bottom 46.6% in tier
  • - ROA 0.37% below tier average
  • - Efficiency ratio 1.16% above tier (higher cost structure)
  • - Delinquency rate 0.04% above tier average
  • - Net Worth Ratio: Bottom 5.4% in tier
  • - Share Certificate Concentration (%): Bottom 7.5% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Members 23,218
-0.6% YoY-0.3% QoQ
 +7.6K 15,628
-3.4% YoY
 18,350
+6.5% YoY
 33,089
+6.1% YoY
 Top 16.3% in tier
Assets $411.3M
+1.6% YoY+0.1% QoQ
 +$180.0M $231.3M
-0.0% YoY
 $291.9M
+10.4% YoY
 $547.7M
+7.8% YoY
 Top 9.3% in tier
Loans $278.7M
+5.3% YoY+1.1% QoQ
 +$130.9M $147.8M
-1.4% YoY
 $208.5M
+10.3% YoY
 $388.7M
+8.6% YoY
 Top 8.9% in tier
Deposits $370.9M
-0.5% YoY+0.1% QoQ
 +$170.6M $200.3M
-0.0% YoY
 $245.3M
+10.3% YoY
 $464.6M
+9.3% YoY
 Top 6.8% in tier
ROA 0.4%
+118.0% YoY+16.3% QoQ
 -0.4% 0.8%
+15.5% YoY
 0.2%
-216.5% YoY
 0.7%
+273.4% YoY
 26th in tier
NIM 3.1%
+15.9% YoY+1.1% QoQ
 -0.5% 3.6%
+6.9% YoY
 3.6%
+4.6% YoY
 3.7%
+5.0% YoY
 Bottom 23.4% in tier
Efficiency Ratio 78.4%
+0.6% YoY-0.0% QoQ
 +1.2% 77.3%
-3.0% YoY
 85.0%
-21.4% YoY
 79.1%
-3.3% YoY
 55th in tier
Delinquency Rate 0.9%
-27.6% YoY+5.2% QoQ
 +0.0 0.9%
+7.6% YoY
 0.8%
-26.3% YoY
 1.2%
-0.9% YoY
 66th in tier
Loan To Share 75.1%
+5.9% YoY+1.0% QoQ
 +2.4% 72.7%
-1.5% YoY
 65.5%
-4.4% YoY
 68.0%
-1.7% YoY
 52nd in tier
AMR $27,978
+2.5% YoY+0.8% QoQ
 +$4K $24,363
+2.9% YoY
 $16,917
+3.2% YoY
 $19,418
+1.3% YoY
 Top 23.5% in tier
CD Concentration 40.3%
-7.0% YoY-0.1% QoQ
 +15.9% 24.4%
+4.2% YoY
 22.1%
-0.3% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 4.3%
-24.1% YoY-10.1% QoQ
 -9.6% 14.0%
-5.8% YoY
 7.8%
-3.4% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#786 of 1006 • Top 28.5% in tier

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

Why This Signature
AMR Growth (YoY): 2.53%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#961 of 1006 • Top 34.8% in tier

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

Why This Signature
AMR Growth (YoY): 2.53%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $1.6K
(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 worsening

Concerns (4)

Deposit Outflow

decline
#91 of 114 • Bottom 15.3% in tier

Members staying but deposits leaving. They're losing to higher-yield competitors - rate pressure is real.

Why This Signature
Deposit Growth (YoY): -0.55%
(Tier: 4.79%, National: 12.00%)
worse than tier avg
Total Assets: $411.33M
(Tier: $231.30M, National: $547.69M)
but better than tier avg
114 of 1077 Community CUs have this signature | 143 nationally
↓ Shrinking -169 CUs YoY | New qualifier

Stagnation Risk

risk
#471 of 550 • Bottom 28.6% 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: 0.42%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -0.64%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $28.0K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 40.29%
(Tier: 24.41%, National: 19.60%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Membership Headwinds

decline
#530 of 550 • Bottom 32.2% in tier

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

Why This Signature
Member Growth (YoY): -0.64%
(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 worsening

Flatlined Growth

risk
#49 of 58 • Bottom 46.6% in tier

Asset growth has flattened despite healthy profitability. May indicate a need to reassess growth strategy.

Why This Signature
Total Assets: $411.33M
(Tier: $231.30M, National: $547.69M)
but better than tier avg
Asset Growth (YoY): 1.62%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Return on Assets: 0.42%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
58 of 1077 Community CUs have this signature | 82 nationally
↑ Growing +10 CUs YoY | New qualifier

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 (6 metrics)

73
Total Deposits
balance_sheet
Value: $370.89M
Peer Avg: $200.29M
#73 of 1077 Top 6.7% in 100M-500M tier
96
Total Loans
balance_sheet
Value: $278.69M
Peer Avg: $147.80M
#96 of 1077 Top 8.8% in 100M-500M tier
100
Total Assets
balance_sheet
Value: $411.33M
Peer Avg: $231.30M
#100 of 1077 Top 9.2% in 100M-500M tier
176
Total Members
engagement
Value: 23,218
Peer Avg: 15,628
#176 of 1077 Top 16.2% in 100M-500M tier
253
Average Member Relationship (AMR)
engagement
Value: $27,978
Peer Avg: $24,363
#253 of 1077 Top 23.4% in 100M-500M tier
255
Loan-to-Member Ratio (LMR)
engagement
Value: $12,003
Peer Avg: $10,245
#255 of 1077 Top 23.6% in 100M-500M tier

Top Weaknesses (5 metrics)

1020
Net Worth Ratio
risk
Value: 8.22%
Peer Avg: 12.15%
#1020 of 1077 Bottom 5.4% in 100M-500M tier
997
Share Certificate Concentration (%)
balance_sheet
Value: 40.29%
Peer Avg: 23.61%
#997 of 1077 Bottom 7.5% in 100M-500M tier
916
Deposit Growth Rate
growth
Value: -0.55%
Peer Avg: 4.69%
#916 of 1077 Bottom 15.0% in 100M-500M tier
850
First Mortgage Concentration (%)
balance_sheet
Value: 44.30%
Peer Avg: 30.43%
#850 of 1077 Bottom 21.2% in 100M-500M tier
825
Net Interest Margin (NIM)
profitability
Value: 3.10%
Peer Avg: 3.58%
#825 of 1077 Bottom 23.5% in 100M-500M tier