WMCU
Charter #62347 | MI
100M-500M
(1077 CUs)
Micro
($0-$500M)
67 100M-500M in MI
WMCU has 14 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 2.6% in tier
- + Wallet Share Momentum: Top 9.2% in tier
- + Relationship Depth Leader: Top 16.8% in tier
- + ROA 0.29% above tier average
- + Net Interest Margin 0.37% above tier average
- + Strong member growth: 68.6% YoY
- + Asset Growth Rate: Top 0.0% in tier
- + Loan Growth Rate: Top 0.0% in tier
- + Deposit Growth Rate: Top 0.1% in tier
- + Member Growth Rate: Top 0.3% in tier
- + Total Assets: Top 5.8% in tier
- + Net Worth Ratio: Top 6.6% in tier
- + Total Members: Top 7.1% in tier
- + Total Deposits: Top 8.8% in tier
Key Concerns
Areas that may need attention
- - Growth-at-Risk: Bottom 0.0% in tier
- - Credit Quality Pressure: Bottom 1.5% in tier
- - Liquidity Overhang: Bottom 3.7% in tier
- - Margin Compression: Bottom 8.6% in tier
- - Cost Spiral: Bottom 15.6% in tier
- - Delinquency rate 0.58% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
30,411
+68.6% YoY-2.3% QoQ
|
+14.8K |
15,628
-3.4% YoY
|
35,456
+8.6% YoY
|
33,089
+6.1% YoY
|
Top 7.1% in tier |
| Assets |
$437.4M
+74.1% YoY-2.4% QoQ
|
+$206.1M |
$231.3M
-0.0% YoY
|
$650.8M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
Top 5.8% in tier |
| Loans |
$218.7M
+84.1% YoY-1.4% QoQ
|
+$71.0M |
$147.8M
-1.4% YoY
|
$461.6M
+14.9% YoY
|
$388.7M
+8.6% YoY
|
Top 20.6% in tier |
| Deposits |
$357.3M
+79.1% YoY-3.3% QoQ
|
+$157.1M |
$200.3M
-0.0% YoY
|
$550.3M
+12.5% YoY
|
$464.6M
+9.3% YoY
|
Top 8.9% in tier |
| ROA |
1.1%
-27.7% YoY-14.9% QoQ
|
+0.3% |
0.8%
+15.5% YoY
|
0.8%
-27.1% YoY
|
0.7%
+273.4% YoY
|
70th in tier |
| NIM |
4.0%
+0.0% YoY-9.7% QoQ
|
+0.4% |
3.6%
+6.9% YoY
|
3.7%
+8.5% YoY
|
3.7%
+5.0% YoY
|
70th in tier |
| Efficiency Ratio |
74.8%
+8.9% YoY-1.0% QoQ
|
-2.5% |
77.3%
-3.0% YoY
|
76.1%
-1.3% YoY
|
79.1%
-3.3% YoY
|
41st in tier |
| Delinquency Rate |
1.4%
+282.8% YoY-9.0% QoQ
|
+0.6 |
0.9%
+7.6% YoY
|
0.9%
-19.7% YoY
|
1.2%
-0.9% YoY
|
Top 15.9% in tier |
| Loan To Share |
61.2%
+2.8% YoY+2.0% QoQ
|
-11.5% |
72.7%
-1.5% YoY
|
68.1%
+0.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 23.6% in tier |
| AMR |
$18,944
+7.3% YoY-0.3% QoQ
|
$-5K |
$24,363
+2.9% YoY
|
$22,054
+2.5% YoY
|
$19,418
+1.3% YoY
|
29th in tier |
| CD Concentration |
15.8%
+51.7% YoY+14.0% QoQ
|
-8.6% |
24.4%
+4.2% YoY
|
18.6%
+6.0% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % |
10.6%
-41.3% YoY-10.8% QoQ
|
-3.3% |
14.0%
-5.8% YoY
|
11.9%
-2.7% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (3)
Organic Growth Engine
growth
#49 of 603 • Top 2.6% in tier
Growing membership while maintaining profitability. Healthy fundamentals in place.
Why This Signature
Member Growth (YoY):
68.63%
(Tier:
0.88%, National:
9.37%)
Return on Assets:
1.08%
(Tier:
0.77%, National:
0.71%)
Indirect Auto %:
10.64%
(Tier:
13.96%, National:
7.90%)
603 of 1077 Community CUs have this signature
| 917 nationally
→ Stable (608→603 CUs)
-5 CUs YoY
|
New qualifier
Wallet Share Momentum
growth
#254 of 1006 • Top 9.2% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
7.30%
(Tier:
3.68%, National:
4.19%)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
New qualifier
Relationship Depth Leader
growth
#463 of 1006 • Top 16.8% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
7.30%
(Tier:
3.68%, National:
4.19%)
Share Draft per Member:
$2.2K
(Tier: $2.8K, National: $2.0K)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
New qualifier
Concerns (5)
Growth-at-Risk
risk
#1 of 446 • Bottom 0.0% in tier
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Why This Signature
Loan Growth (YoY):
84.10%
(Tier:
3.64%, National:
36.38%)
Delinquency Change (YoY):
1.06% points
(Tier:
0.04% points, National:
0.07% points)
446 of 1077 Community CUs have this signature
| 646 nationally
↓ Shrinking
-77 CUs YoY
|
New qualifier
Credit Quality Pressure
risk
#39 of 736 • Bottom 1.5% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
1.06% points
(Tier:
0.04% points, National:
0.07% points)
736 of 1077 Community CUs have this signature
| 1002 nationally
↓ Shrinking
-199 CUs YoY
|
New qualifier
Liquidity Overhang
risk
#58 of 552 • Bottom 3.7% 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:
17.21%
(Tier:
11.95%, National:
14.51%)
Loan-to-Share Ratio:
61.21%
(Tier:
74.56%, National:
67.96%)
552 of 1077 Community CUs have this signature
| 691 nationally
↑ Growing
+65 CUs YoY
|
Rank worsening
Margin Compression
decline
#37 of 136 • Bottom 8.6% in tier
Strong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.
Why This Signature
Return on Assets:
1.08%
(Tier:
0.77%, National:
0.71%)
ROA Change (YoY):
-0.41% points
(Tier:
0.11% points, National:
0.05% points)
Total Assets:
$437.44M
(Tier: $231.30M, National: $547.69M)
136 of 1077 Community CUs have this signature
| 169 nationally
↓ Shrinking
-43 CUs YoY
|
New qualifier
Cost Spiral
risk
#39 of 62 • Bottom 15.6% in tier
Historically lean operator now seeing efficiency ratio rise significantly. Efficiency advantage eroding - early intervention critical.
Why This Signature
Efficiency Ratio Change:
6.13% points
(Tier:
-2.84% points, National:
-1.81% points)
Efficiency Ratio (Prior Year):
-
(Tier: -, National: -)
Total Assets:
$437.44M
(Tier: $231.30M, National: $547.69M)
62 of 1077 Community CUs have this signature
| 80 nationally
↓ Shrinking
-38 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)
Top Strengths (11 metrics)
1
Asset Growth Rate
growth
Value:
74.08%
Peer Avg: 4.70%
#1 of 1077
Top 0.0% in 100M-500M tier
1
Loan Growth Rate
growth
Value:
84.10%
Peer Avg: 3.45%
#1 of 1077
Top 0.0% in 100M-500M tier
2
Deposit Growth Rate
growth
Value:
79.07%
Peer Avg: 4.69%
#2 of 1077
Top 0.1% in 100M-500M tier
4
Member Growth Rate
growth
Value:
68.63%
Peer Avg: 0.72%
#4 of 1077
Top 0.3% in 100M-500M tier
63
Total Assets
balance_sheet
Value:
$437.44M
Peer Avg: $231.30M
#63 of 1077
Top 5.8% in 100M-500M tier
72
Net Worth Ratio
risk
Value:
17.21%
Peer Avg: 12.15%
#72 of 1077
Top 6.6% in 100M-500M tier
77
Total Members
engagement
Value:
30,411
Peer Avg: 15,628
#77 of 1077
Top 7.1% in 100M-500M tier
96
Total Deposits
balance_sheet
Value:
$357.35M
Peer Avg: $200.29M
#96 of 1077
Top 8.8% in 100M-500M tier
198
AMR Growth Rate
growth
Value:
7.30%
Peer Avg: 3.64%
#198 of 1077
Top 18.3% in 100M-500M tier
222
Total Loans
balance_sheet
Value:
$218.75M
Peer Avg: $147.80M
#222 of 1077
Top 20.5% in 100M-500M tier
Top Weaknesses (5 metrics)
928
Net Charge-Off Rate
risk
Value:
0.85%
Peer Avg: 0.47%
#928 of 1077
Bottom 13.9% in 100M-500M tier
907
Total Delinquency Rate (60+ days)
risk
Value:
1.44%
Peer Avg: 0.86%
#907 of 1077
Bottom 15.9% in 100M-500M tier
860
Members Per Employee (MPE)
engagement
Value:
255.555
Peer Avg: 332.881
#860 of 1077
Bottom 20.2% in 100M-500M tier
823
Loan-to-Share Ratio
balance_sheet
Value:
61.21%
Peer Avg: 72.70%
#823 of 1077
Bottom 23.7% in 100M-500M tier
809
Loan-to-Member Ratio (LMR)
engagement
Value:
$7,193
Peer Avg: $10,245
#809 of 1077
Bottom 25.0% in 100M-500M tier