CONSUMERS

Charter #62172 | MI

1B-3B (304 CUs) Mid-Market (380 CUs)
19 1B-3B in MI

CONSUMERS has 7 strengths but faces 2 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 7.2% in tier
  • + Relationship Depth Leader: Top 19.9% in tier
  • + Wallet Share Momentum: Top 21.2% in tier
  • + ROA 0.40% above tier average
  • + Strong member growth: 5.7% YoY
  • + Total Loans: Top 1.3% in tier
  • + Loan-to-Share Ratio: Top 1.6% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 1.0% in tier
  • - Indirect Auto Dependency: Bottom 6.0% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Members 151,033
+5.7% YoY+1.5% QoQ
 +52.4K 98,678
-1.9% YoY
 35,456
+8.6% YoY
 33,089
+6.1% YoY
 Top 12.5% in tier
Assets $2.6B
+8.3% YoY+1.7% QoQ
 +$863.6M $1.7B
+0.5% YoY
 $650.8M
+12.6% YoY
 $547.7M
+7.8% YoY
 Top 10.9% in tier
Loans $2.3B
+10.1% YoY+3.3% QoQ
 +$1.1B $1.2B
+0.5% YoY
 $461.6M
+14.9% YoY
 $388.7M
+8.6% YoY
 Top 1.6% in tier
Deposits $2.1B
+9.2% YoY+2.3% QoQ
 +$641.7M $1.5B
+1.3% YoY
 $550.3M
+12.5% YoY
 $464.6M
+9.3% YoY
 Top 15.5% in tier
ROA 1.1%
+19.6% YoY+5.8% QoQ
 +0.4% 0.7%
+13.4% YoY
 0.8%
-27.1% YoY
 0.7%
+273.4% YoY
 Top 17.1% in tier
NIM 3.1%
+11.1% YoY+1.4% QoQ
 -0.2% 3.3%
+9.3% YoY
 3.7%
+8.5% YoY
 3.7%
+5.0% YoY
 32nd in tier
Efficiency Ratio 72.6%
-5.1% YoY+0.1% QoQ
 -1.4% 74.0%
-10.9% YoY
 76.1%
-1.3% YoY
 79.1%
-3.3% YoY
 39th in tier
Delinquency Rate 0.3%
-13.4% YoY+16.9% QoQ
 -0.5 0.8%
+6.1% YoY
 0.9%
-19.7% YoY
 1.2%
-0.9% YoY
 Bottom 15.8% in tier
Loan To Share 109.8%
+0.8% YoY+1.0% QoQ
 +24.6% 85.2%
-0.8% YoY
 68.1%
+0.3% YoY
 68.0%
-1.7% YoY
 Top 2.0% in tier
AMR $29,121
+3.8% YoY+1.3% QoQ
 $-51 $29,172
+2.8% YoY
 $22,054
+2.5% YoY
 $19,418
+1.3% YoY
 60th in tier
CD Concentration 35.5%
+5.2% YoY+5.4% QoQ
 +6.6% 29.0%
+0.8% YoY
 18.6%
+6.0% YoY
 19.6%
+6.2% YoY
 Top 21.1% in tier
Indirect Auto % 36.5%
-0.2% YoY-0.5% QoQ
 +17.7% 18.8%
-2.8% YoY
 11.9%
-2.7% YoY
 7.9%
-2.9% YoY
 Top 15.0% in tier

Signature Analysis

Strengths (3)

Organic Growth Engine

growth
#53 of 246 • Top 7.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 5.65%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 1.11%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 36.47%
(Tier: 18.80%, National: 7.90%)
but worse than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#145 of 264 • Top 19.9% in tier

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

Why This Signature
AMR Growth (YoY): 3.79%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.1K
(Tier: $3.1K, National: $2.0K)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#154 of 264 • Top 21.2% in tier

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

Why This Signature
AMR Growth (YoY): 3.79%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Concerns (2)

Liquidity Strain

risk
#6 of 183 • Bottom 1.0% in tier

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

Why This Signature
Loan-to-Share Ratio: 109.84%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 10.07%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#38 of 202 • Bottom 6.0% in tier

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

Why This Signature
Asset Growth (YoY): 8.31%
(Tier: 5.36%, National: 3.04%)
but better than tier avg
Indirect Auto %: 36.47%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 5.65%
(Tier: 3.18%, National: 9.37%)
but better than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank improving

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 304 peers in tier

Top Strengths (14 metrics)

5
Total Loans
balance_sheet
Value: $2.30B
Peer Avg: $1.23B
#5 of 304 Top 1.3% in 1B-3B tier
6
Loan-to-Share Ratio
balance_sheet
Value: 109.84%
Peer Avg: 85.19%
#6 of 304 Top 1.6% in 1B-3B tier
33
Total Assets
balance_sheet
Value: $2.58B
Peer Avg: $1.72B
#33 of 304 Top 10.5% in 1B-3B tier
35
Fee Income Per Member
profitability
Value: $294.14
Peer Avg: $210.52
#35 of 304 Top 11.2% in 1B-3B tier
38
Total Members
engagement
Value: 151,033
Peer Avg: 98,678
#38 of 304 Top 12.2% in 1B-3B tier
43
Net Charge-Off Rate
risk
Value: 0.20%
Peer Avg: 0.60%
#43 of 304 Top 13.8% in 1B-3B tier
46
Member Growth Rate
growth
Value: 5.65%
Peer Avg: 2.20%
#46 of 304 Top 14.8% in 1B-3B tier
47
Total Deposits
balance_sheet
Value: $2.10B
Peer Avg: $1.45B
#47 of 304 Top 15.1% in 1B-3B tier
49
Total Delinquency Rate (60+ days)
risk
Value: 0.33%
Peer Avg: 0.83%
#49 of 304 Top 15.8% in 1B-3B tier
52
Return on Assets (ROA)
profitability
Value: 1.11%
Peer Avg: 0.70%
#52 of 304 Top 16.8% in 1B-3B tier

Top Weaknesses (3 metrics)

261
Indirect Auto Concentration (%)
balance_sheet
Value: 36.47%
Peer Avg: 18.32%
#261 of 304 Bottom 14.5% in 1B-3B tier
246
Share Certificate Concentration (%)
balance_sheet
Value: 35.54%
Peer Avg: 28.53%
#246 of 304 Bottom 19.4% in 1B-3B tier
238
Net Worth Ratio
risk
Value: 9.59%
Peer Avg: 11.44%
#238 of 304 Bottom 22.0% in 1B-3B tier