DIVERSIFIED MEMBERS

Charter #62339 | MI

500M-750M (169 CUs) Community (281 CUs)
9 500M-750M in MI

DIVERSIFIED MEMBERS has 7 strengths but faces 10 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 13.8% in tier
  • + Organic Growth Leader: Top 26.5% in tier
  • + Relationship Depth Leader: Top 29.2% in tier
  • + Organic Growth Engine: Top 30.0% in tier
  • + Net Interest Margin 0.06% above tier average
  • + Asset Growth Rate: Top 4.1% in tier
  • + Net Worth Ratio: Top 7.1% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 3.2% in tier
  • - Liquidity Overhang: Bottom 7.6% in tier
  • - Efficiency Drag: Bottom 16.2% in tier
  • - Growth-at-Risk: Bottom 16.4% in tier
  • - ROA 0.15% below tier average
  • - Efficiency ratio 3.67% above tier (higher cost structure)
  • - Delinquency rate 0.95% above tier average
  • - Total Deposits: Bottom 5.3% in tier
  • - Total Loans: Bottom 5.9% in tier
  • - Total Delinquency Rate (60+ days): Bottom 8.3% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Members 30,691
+1.2% YoY-0.0% QoQ
 -9.1K 39,752
-2.7% YoY
 35,456
+8.6% YoY
 33,089
+6.1% YoY
 Bottom 19.5% in tier
Assets $571.2M
+17.7% YoY+2.7% QoQ
 $-51.2M $622.4M
+0.3% YoY
 $650.8M
+12.6% YoY
 $547.7M
+7.8% YoY
 31st in tier
Loans $273.7M
+1.2% YoY-2.1% QoQ
 $-162.3M $435.9M
-0.4% YoY
 $461.6M
+14.9% YoY
 $388.7M
+8.6% YoY
 Bottom 5.3% in tier
Deposits $437.3M
+11.3% YoY+2.8% QoQ
 $-100.8M $538.0M
+1.3% YoY
 $550.3M
+12.5% YoY
 $464.6M
+9.3% YoY
 Bottom 4.7% in tier
ROA 0.5%
+31.9% YoY+27.1% QoQ
 -0.1% 0.7%
+33.9% YoY
 0.8%
-27.1% YoY
 0.7%
+273.4% YoY
 41st in tier
NIM 3.5%
-4.2% YoY+0.2% QoQ
 +0.1% 3.4%
+8.6% YoY
 3.7%
+8.5% YoY
 3.7%
+5.0% YoY
 54th in tier
Efficiency Ratio 81.8%
-1.6% YoY-1.6% QoQ
 +3.7% 78.1%
-3.4% YoY
 76.1%
-1.3% YoY
 79.1%
-3.3% YoY
 69th in tier
Delinquency Rate 1.7%
+69.4% YoY+46.5% QoQ
 +0.9 0.8%
-4.9% YoY
 0.9%
-19.7% YoY
 1.2%
-0.9% YoY
 Top 8.3% in tier
Loan To Share 62.6%
-9.1% YoY-4.8% QoQ
 -18.4% 81.0%
-1.8% YoY
 68.1%
+0.3% YoY
 68.0%
-1.7% YoY
 Bottom 10.1% in tier
AMR $23,163
+5.9% YoY+0.8% QoQ
 $-3K $26,482
+2.6% YoY
 $22,054
+2.5% YoY
 $19,418
+1.3% YoY
 38th in tier
CD Concentration 32.0%
+3.1% YoY+4.3% QoQ
 +7.6% 24.4%
+4.2% YoY
 18.6%
+6.0% YoY
 19.6%
+6.2% YoY
 Top 23.4% in tier
Indirect Auto % 9.0%
-37.7% YoY-10.7% QoQ
 -5.0% 14.0%
-5.8% YoY
 11.9%
-2.7% YoY
 7.9%
-2.9% YoY
 52nd in tier

Signature Analysis

Strengths (4)

Wallet Share Momentum

growth
#381 of 1006 • Top 13.8% in tier

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

Why This Signature
AMR Growth (YoY): 5.93%
(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

Organic Growth Leader

growth
#350 of 430 • Top 26.5% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 1.15%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 281 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#805 of 1006 • Top 29.2% in tier

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

Why This Signature
AMR Growth (YoY): 5.93%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $1.2K
(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

Organic Growth Engine

growth
#550 of 603 • Top 30.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.15%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.51%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 9.01%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Concerns (4)

Credit Quality Pressure

risk
#81 of 736 • Bottom 3.2% in tier

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

Why This Signature
Delinquency Change (YoY): 0.72% 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 | New qualifier

Liquidity Overhang

risk
#119 of 552 • Bottom 7.6% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 15.04%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 62.58%
(Tier: 74.56%, National: 67.96%)
worse than tier avg
552 of 281 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank worsening

Efficiency Drag

risk
#287 of 521 • Bottom 16.2% in tier

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

Why This Signature
Efficiency Ratio: 81.77%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.12% points
(Tier: 0.11% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): 1.15%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
521 of 281 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank improving

Growth-at-Risk

risk
#246 of 446 • Bottom 16.4% in tier

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

Why This Signature
Loan Growth (YoY): 1.18%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 0.72% 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

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 169 peers in tier

Top Strengths (4 metrics)

8
Asset Growth Rate
growth
Value: 17.72%
Peer Avg: 4.33%
#8 of 169 Top 4.1% in 500M-750M tier
13
Net Worth Ratio
risk
Value: 15.04%
Peer Avg: 10.94%
#13 of 169 Top 7.1% in 500M-750M tier
20
Deposit Growth Rate
growth
Value: 11.25%
Peer Avg: 5.25%
#20 of 169 Top 11.2% in 500M-750M tier
27
First Mortgage Concentration (%)
balance_sheet
Value: 17.26%
Peer Avg: 33.53%
#27 of 169 Top 15.4% in 500M-750M tier

Top Weaknesses (6 metrics)

161
Total Deposits
balance_sheet
Value: $437.25M
Peer Avg: $538.02M
#161 of 169 Bottom 5.3% in 500M-750M tier
160
Total Loans
balance_sheet
Value: $273.65M
Peer Avg: $435.95M
#160 of 169 Bottom 5.9% in 500M-750M tier
156
Total Delinquency Rate (60+ days)
risk
Value: 1.75%
Peer Avg: 0.80%
#156 of 169 Bottom 8.3% in 500M-750M tier
152
Loan-to-Share Ratio
balance_sheet
Value: 62.58%
Peer Avg: 81.02%
#152 of 169 Bottom 10.7% in 500M-750M tier
136
Total Members
engagement
Value: 30,691
Peer Avg: 39,752
#136 of 169 Bottom 20.1% in 500M-750M tier
130
Loan-to-Member Ratio (LMR)
engagement
Value: $8,916
Peer Avg: $11,805
#130 of 169 Bottom 23.7% in 500M-750M tier