TEAM ONE

Charter #62141 | MI

750M-1B (112 CUs) Community (281 CUs)
9 750M-1B in MI

TEAM ONE has 4 strengths but faces 11 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 3.3% in tier
  • + Relationship Depth Leader: Top 5.8% in tier
  • + Net Interest Margin 0.11% above tier average
  • + AMR Growth Rate: Top 7.1% in tier

Key Concerns

Areas that may need attention

  • - Membership Headwinds: Bottom 3.7% in tier
  • - Stagnation Risk: Bottom 6.9% in tier
  • - Credit Quality Pressure: Bottom 23.9% in tier
  • - Growth-at-Risk: Bottom 24.5% in tier
  • - Efficiency Drag: Bottom 28.4% in tier
  • - Indirect Auto Dependency: Bottom 28.6% in tier
  • - ROA 0.26% below tier average
  • - Efficiency ratio 7.11% above tier (higher cost structure)
  • - Member decline: -7.7% YoY
  • - Total Assets: Bottom 1.8% in tier
  • - Member Growth Rate: 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 47,504
-7.7% YoY-0.0% QoQ
 -4.6K 52,114
-2.1% YoY
 35,456
+8.6% YoY
 33,089
+6.1% YoY
 39th in tier
Assets $751.8M
+1.9% YoY-1.6% QoQ
 $-107.2M $859.0M
+0.0% YoY
 $650.8M
+12.6% YoY
 $547.7M
+7.8% YoY
 Bottom 0.9% in tier
Loans $520.0M
+4.5% YoY+3.0% QoQ
 $-83.3M $603.4M
+1.0% YoY
 $461.6M
+14.9% YoY
 $388.7M
+8.6% YoY
 Bottom 24.1% in tier
Deposits $671.3M
+1.2% YoY-1.9% QoQ
 $-62.9M $734.2M
+0.9% YoY
 $550.3M
+12.5% YoY
 $464.6M
+9.3% YoY
 Bottom 15.2% in tier
ROA 0.5%
+176.1% YoY+29.0% QoQ
 -0.3% 0.7%
+27.6% YoY
 0.8%
-27.1% YoY
 0.7%
+273.4% YoY
 30th in tier
NIM 3.5%
+16.4% YoY+4.3% QoQ
 +0.1% 3.4%
+9.6% YoY
 3.7%
+8.5% YoY
 3.7%
+5.0% YoY
 58th in tier
Efficiency Ratio 81.6%
-11.1% YoY+0.5% QoQ
 +7.1% 74.5%
-3.2% YoY
 76.1%
-1.3% YoY
 79.1%
-3.3% YoY
 Top 24.1% in tier
Delinquency Rate 0.7%
+8.0% YoY+9.8% QoQ
 -0.1 0.8%
+5.0% YoY
 0.9%
-19.7% YoY
 1.2%
-0.9% YoY
 54th in tier
Loan To Share 77.5%
+3.2% YoY+5.1% QoQ
 -5.2% 82.7%
+0.1% YoY
 68.1%
+0.3% YoY
 68.0%
-1.7% YoY
 29th in tier
AMR $25,078
+11.2% YoY+0.2% QoQ
 $-4K $28,651
+2.5% YoY
 $22,054
+2.5% YoY
 $19,418
+1.3% YoY
 44th in tier
CD Concentration 28.4%
-4.6% YoY-3.0% QoQ
 +4.0% 24.4%
+4.2% YoY
 18.6%
+6.0% YoY
 19.6%
+6.2% YoY
 66th in tier
Indirect Auto % 15.7%
+17.2% YoY+5.4% QoQ
 +1.8% 14.0%
-5.8% YoY
 11.9%
-2.7% YoY
 7.9%
-2.9% YoY
 63rd in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#92 of 1006 • Top 3.3% in tier

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

Why This Signature
AMR Growth (YoY): 11.21%
(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

Relationship Depth Leader

growth
#162 of 1006 • Top 5.8% in tier

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

Why This Signature
AMR Growth (YoY): 11.21%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.7K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (6)

Membership Headwinds

decline
#61 of 550 • Bottom 3.7% in tier

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

Why This Signature
Member Growth (YoY): -7.72%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Stagnation Risk

risk
#115 of 550 • Bottom 6.9% 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: 0.45%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -7.72%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $25.1K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 28.38%
(Tier: 24.41%, National: 19.60%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Credit Quality Pressure

risk
#591 of 736 • Bottom 23.9% in tier

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

Why This Signature
Delinquency Change (YoY): 0.05% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 281 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank worsening

Growth-at-Risk

risk
#368 of 446 • Bottom 24.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 4.49%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.05% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 281 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | New qualifier

Efficiency Drag

risk
#502 of 521 • Bottom 28.4% in tier

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

Why This Signature
Efficiency Ratio: 81.63%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.29% points
(Tier: 0.11% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): -7.72%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 281 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank worsening

Indirect Auto Dependency

risk
#461 of 525 • Bottom 28.6% in tier

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

Why This Signature
Asset Growth (YoY): 1.90%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 15.73%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -7.72%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 281 Community CUs have this signature | 768 nationally
↓ Shrinking -18 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 112 peers in tier

Top Strengths (2 metrics)

9
AMR Growth Rate
growth
Value: 11.21%
Peer Avg: 4.90%
#9 of 112 Top 7.1% in 750M-1B tier
28
Fee Income Per Member
profitability
Value: $238.09
Peer Avg: $204.75
#28 of 112 Top 24.1% in 750M-1B tier

Top Weaknesses (6 metrics)

111
Total Assets
balance_sheet
Value: $751.81M
Peer Avg: $859.01M
#111 of 112 Bottom 1.8% in 750M-1B tier
109
Member Growth Rate
growth
Value: -7.72%
Peer Avg: 1.14%
#109 of 112 Bottom 3.6% in 750M-1B tier
95
Total Deposits
balance_sheet
Value: $671.27M
Peer Avg: $734.17M
#95 of 112 Bottom 16.1% in 750M-1B tier
94
Deposit Growth Rate
growth
Value: 1.21%
Peer Avg: 5.03%
#94 of 112 Bottom 17.0% in 750M-1B tier
86
Efficiency Ratio
profitability
Value: 81.63%
Peer Avg: 74.52%
#86 of 112 Bottom 24.1% in 750M-1B tier
85
Total Loans
balance_sheet
Value: $520.02M
Peer Avg: $603.36M
#85 of 112 Bottom 25.0% in 750M-1B tier