UNITED STATES SENATE

Charter #624 | VA

1B-3B (304 CUs) Mid-Market (380 CUs)
8 1B-3B in VA

UNITED STATES SENATE has 7 strengths but faces 14 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 0.7% in tier
  • + Relationship Depth Leader: Top 1.9% in tier
  • + Emerging Performer: Top 34.4% in tier
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + AMR Growth Rate: Top 1.0% in tier
  • + Loan-to-Member Ratio (LMR): Top 3.0% in tier
  • + Average Member Relationship (AMR): Top 3.9% in tier

Key Concerns

Areas that may need attention

  • - Membership Headwinds: Bottom 0.4% in tier
  • - Credit Quality Pressure: Bottom 1.2% in tier
  • - Stagnation Risk: Bottom 7.1% in tier
  • - Growth-at-Risk: Bottom 13.8% in tier
  • - Efficiency Drag: Bottom 28.0% in tier
  • - ROA 0.48% below tier average
  • - Efficiency ratio 9.27% above tier (higher cost structure)
  • - Delinquency rate 0.60% above tier average
  • - Member decline: -15.0% YoY
  • - Net Worth Ratio: Bottom 1.3% in tier
  • - Member Growth Rate: Bottom 2.0% in tier
  • - Share Certificate Concentration (%): Bottom 2.3% in tier
  • - Total Members: Bottom 8.2% in tier
  • - Fee Income Per Member: Bottom 9.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Members 52,773
-15.0% YoY+0.5% QoQ
 -45.9K 98,678
-1.9% YoY
 220,190
+7.3% YoY
 33,089
+6.1% YoY
 Bottom 7.9% in tier
Assets $1.5B
-0.4% YoY-0.8% QoQ
 $-218.1M $1.7B
+0.5% YoY
 $2.9B
+6.5% YoY
 $547.7M
+7.8% YoY
 49th in tier
Loans $1.1B
+0.8% YoY-0.0% QoQ
 $-114.2M $1.2B
+0.5% YoY
 $2.1B
+5.3% YoY
 $388.7M
+8.6% YoY
 50th in tier
Deposits $1.4B
-0.7% YoY-1.2% QoQ
 $-73.3M $1.5B
+1.3% YoY
 $2.4B
+8.1% YoY
 $464.6M
+9.3% YoY
 55th in tier
ROA 0.2%
-142.6% YoY+21.1% QoQ
 -0.5% 0.7%
+13.4% YoY
 0.7%
+11.3% YoY
 0.7%
+273.4% YoY
 Bottom 10.2% in tier
NIM 2.7%
-7.4% YoY+2.2% QoQ
 -0.5% 3.3%
+9.3% YoY
 3.9%
+2.0% YoY
 3.7%
+5.0% YoY
 Bottom 18.1% in tier
Efficiency Ratio 83.2%
-7.8% YoY-0.9% QoQ
 +9.3% 74.0%
-10.9% YoY
 80.4%
+0.4% YoY
 79.1%
-3.3% YoY
 Top 14.1% in tier
Delinquency Rate 1.4%
+132.1% YoY+14.9% QoQ
 +0.6 0.8%
+6.1% YoY
 1.7%
+32.7% YoY
 1.2%
-0.9% YoY
 Top 11.8% in tier
Loan To Share 81.0%
+1.5% YoY+1.1% QoQ
 -4.2% 85.2%
-0.8% YoY
 66.7%
-4.2% YoY
 68.0%
-1.7% YoY
 32nd in tier
AMR $47,371
+17.5% YoY-1.2% QoQ
 +$18K $29,172
+2.8% YoY
 $18,613
+1.9% YoY
 $19,418
+1.3% YoY
 Top 4.3% in tier
CD Concentration 49.1%
-2.8% YoY+0.2% QoQ
 +20.1% 29.0%
+0.8% YoY
 18.8%
+3.1% YoY
 19.6%
+6.2% YoY
 Top 2.4% in tier
Indirect Auto % 0.0% -18.8% 18.8%
-2.8% YoY
 9.7%
-0.5% YoY
 7.9%
-2.9% YoY
 Bottom 0.0% in tier

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth
#6 of 264 • Top 0.7% in tier

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

Why This Signature
AMR Growth (YoY): 17.52%
(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 | New qualifier

Relationship Depth Leader

growth
#15 of 264 • Top 1.9% in tier

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

Why This Signature
AMR Growth (YoY): 17.52%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.7K
(Tier: $3.1K, National: $2.0K)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Emerging Performer

growth
#183 of 184 • Top 34.4% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.23%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): -14.96%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | New qualifier

Concerns (5)

Membership Headwinds

decline
#2 of 85 • Bottom 0.4% in tier

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

Why This Signature
Member Growth (YoY): -14.96%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 CUs YoY | New qualifier

Credit Quality Pressure

risk
#10 of 217 • Bottom 1.2% in tier

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

Why This Signature
Delinquency Change (YoY): 0.81% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank improving

Stagnation Risk

risk
#18 of 85 • Bottom 7.1% 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: 0.23%
(Tier: 0.71%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -14.96%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $47.4K
(Tier: $29.2K, National: $19.4K)
but better than tier avg
CD Concentration: 49.11%
(Tier: 28.98%, National: 19.60%)
worse than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 CUs YoY | New qualifier

Growth-at-Risk

risk
#78 of 161 • Bottom 13.8% in tier

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

Why This Signature
Loan Growth (YoY): 0.78%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 0.81% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 CUs YoY | New qualifier

Efficiency Drag

risk
#93 of 96 • Bottom 28.0% in tier

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

Why This Signature
Efficiency Ratio: 83.24%
(Tier: 73.45%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.76% points
(Tier: 0.07% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): -14.96%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
96 of 380 Mid-Market CUs have this signature | 624 nationally
↓ Shrinking -32 CUs YoY | Rank worsening

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 (4 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 18.32%
#1 of 304 Top 0.0% in 1B-3B tier
4
AMR Growth Rate
growth
Value: 17.52%
Peer Avg: 3.29%
#4 of 304 Top 1.0% in 1B-3B tier
10
Loan-to-Member Ratio (LMR)
engagement
Value: $21,201
Peer Avg: $13,213
#10 of 304 Top 3.0% in 1B-3B tier
13
Average Member Relationship (AMR)
engagement
Value: $47,371
Peer Avg: $29,172
#13 of 304 Top 3.9% in 1B-3B tier

Top Weaknesses (11 metrics)

301
Net Worth Ratio
risk
Value: 7.82%
Peer Avg: 11.44%
#301 of 304 Bottom 1.3% in 1B-3B tier
299
Member Growth Rate
growth
Value: -14.96%
Peer Avg: 2.20%
#299 of 304 Bottom 2.0% in 1B-3B tier
298
Share Certificate Concentration (%)
balance_sheet
Value: 49.11%
Peer Avg: 28.53%
#298 of 304 Bottom 2.3% in 1B-3B tier
280
Total Members
engagement
Value: 52,773
Peer Avg: 98,678
#280 of 304 Bottom 8.2% in 1B-3B tier
275
Fee Income Per Member
profitability
Value: $126.14
Peer Avg: $210.52
#275 of 304 Bottom 9.9% in 1B-3B tier
273
Return on Assets (ROA)
profitability
Value: 0.23%
Peer Avg: 0.70%
#273 of 304 Bottom 10.5% in 1B-3B tier
269
Total Delinquency Rate (60+ days)
risk
Value: 1.43%
Peer Avg: 0.83%
#269 of 304 Bottom 11.8% in 1B-3B tier
266
Deposit Growth Rate
growth
Value: -0.73%
Peer Avg: 5.58%
#266 of 304 Bottom 12.8% in 1B-3B tier
262
Efficiency Ratio
profitability
Value: 83.24%
Peer Avg: 73.97%
#262 of 304 Bottom 14.1% in 1B-3B tier
252
Asset Growth Rate
growth
Value: -0.38%
Peer Avg: 4.83%
#252 of 304 Bottom 17.4% in 1B-3B tier