LOYALTY
Charter #62417 | FL
100M-500M
(1077 CUs)
Micro
($0-$500M)
35 100M-500M in FL
LOYALTY has 4 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 5.6% in tier
- + Wallet Share Momentum: Top 12.6% in tier
- + ROA 0.28% above tier average
- + Net Interest Margin 0.94% above tier average
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 3.0% in tier
- - Membership Headwinds: Bottom 7.4% in tier
- - Flatlined Growth: Bottom 13.6% in tier
- - Indirect Auto Dependency: Bottom 30.1% in tier
- - Member decline: -4.8% YoY
- - Net Charge-Off Rate: Bottom 6.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
19,842
-4.8% YoY-1.0% QoQ
|
+4.2K |
15,628
-3.4% YoY
|
69,671
+4.3% YoY
|
33,089
+6.1% YoY
|
75th in tier |
| Assets |
$295.2M
+0.5% YoY-0.1% QoQ
|
+$63.9M |
$231.3M
-0.0% YoY
|
$1.1B
+3.8% YoY
|
$547.7M
+7.8% YoY
|
72nd in tier |
| Loans |
$161.9M
+4.1% YoY+3.9% QoQ
|
+$14.1M |
$147.8M
-1.4% YoY
|
$773.4M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
65th in tier |
| Deposits |
$259.4M
-0.7% YoY-0.5% QoQ
|
+$59.2M |
$200.3M
-0.0% YoY
|
$908.2M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
73rd in tier |
| ROA |
1.1%
+971.6% YoY-13.5% QoQ
|
+0.3% |
0.8%
+15.5% YoY
|
0.6%
+15.9% YoY
|
0.7%
+273.4% YoY
|
70th in tier |
| NIM |
4.5%
-1.9% YoY+0.8% QoQ
|
+0.9% |
3.6%
+6.9% YoY
|
3.6%
+6.7% YoY
|
3.7%
+5.0% YoY
|
Top 8.6% in tier |
| Efficiency Ratio |
73.4%
-2.5% YoY+3.5% QoQ
|
-3.8% |
77.3%
-3.0% YoY
|
79.0%
+0.0% YoY
|
79.1%
-3.3% YoY
|
36th in tier |
| Delinquency Rate |
0.7%
-36.1% YoY-10.5% QoQ
|
-0.1 |
0.9%
+7.6% YoY
|
0.7%
+3.1% YoY
|
1.2%
-0.9% YoY
|
54th in tier |
| Loan To Share |
62.4%
+4.9% YoY+4.4% QoQ
|
-10.3% |
72.7%
-1.5% YoY
|
71.2%
+0.4% YoY
|
68.0%
-1.7% YoY
|
26th in tier |
| AMR |
$21,236
+6.2% YoY+2.2% QoQ
|
$-3K |
$24,363
+2.9% YoY
|
$22,283
+3.7% YoY
|
$19,418
+1.3% YoY
|
43rd in tier |
| CD Concentration |
15.3%
+9.5% YoY+4.8% QoQ
|
-9.1% |
24.4%
+4.2% YoY
|
23.4%
+4.5% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % |
16.8%
+2.7% YoY+4.8% QoQ
|
+2.9% |
14.0%
-5.8% YoY
|
10.9%
-1.4% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growth
#156 of 1006 • Top 5.6% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
6.23%
(Tier:
3.68%, National:
4.19%)
Share Draft per Member:
$3.6K
(Tier: $2.8K, National: $2.0K)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
Rank improving
Wallet Share Momentum
growth
#347 of 1006 • Top 12.6% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
6.23%
(Tier:
3.68%, National:
4.19%)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
Rank improving
Concerns (4)
Stagnation Risk
risk
#51 of 550 • Bottom 3.0% 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:
1.07%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
-4.83%
(Tier:
0.88%, National:
9.37%)
Avg Member Relationship:
$21.2K
(Tier: $25.0K, National: $19.4K)
CD Concentration:
15.32%
(Tier:
24.41%, National:
19.60%)
550 of 1077 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
Rank improving
Membership Headwinds
decline
#123 of 550 • Bottom 7.4% in tier
Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Why This Signature
Member Growth (YoY):
-4.83%
(Tier:
0.88%, National:
9.37%)
550 of 1077 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
Rank worsening
Flatlined Growth
risk
#15 of 58 • Bottom 13.6% in tier
Asset growth has flattened despite healthy profitability. May indicate a need to reassess growth strategy.
Why This Signature
Total Assets:
$295.24M
(Tier: $231.30M, National: $547.69M)
Asset Growth (YoY):
0.46%
(Tier:
4.61%, National:
3.04%)
Return on Assets:
1.07%
(Tier:
0.77%, National:
0.71%)
58 of 1077 Community CUs have this signature
| 82 nationally
↑ Growing
+10 CUs YoY
|
New qualifier
Indirect Auto Dependency
risk
#485 of 525 • Bottom 30.1% in tier
Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Why This Signature
Asset Growth (YoY):
0.46%
(Tier:
4.61%, National:
3.04%)
Indirect Auto %:
16.82%
(Tier:
13.96%, National:
7.90%)
Member Growth (YoY):
-4.83%
(Tier:
0.88%, National:
9.37%)
525 of 1077 Community CUs have this signature
| 768 nationally
↓ Shrinking
-18 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)
Top Strengths (3 metrics)
93
Net Interest Margin (NIM)
profitability
Value:
4.52%
Peer Avg: 3.58%
#93 of 1077
Top 8.5% in 100M-500M tier
119
Fee Income Per Member
profitability
Value:
$259.27
Peer Avg: $174.31
#119 of 1077
Top 11.0% in 100M-500M tier
250
Share Certificate Concentration (%)
balance_sheet
Value:
15.32%
Peer Avg: 23.61%
#250 of 1077
Top 23.1% in 100M-500M tier
Top Weaknesses (5 metrics)
1004
Net Charge-Off Rate
risk
Value:
1.16%
Peer Avg: 0.47%
#1004 of 1077
Bottom 6.9% in 100M-500M tier
969
Member Growth Rate
growth
Value:
-4.83%
Peer Avg: 0.72%
#969 of 1077
Bottom 10.1% in 100M-500M tier
960
Members Per Employee (MPE)
engagement
Value:
230.721
Peer Avg: 332.881
#960 of 1077
Bottom 11.0% in 100M-500M tier
925
Deposit Growth Rate
growth
Value:
-0.72%
Peer Avg: 4.69%
#925 of 1077
Bottom 14.2% in 100M-500M tier
848
Asset Growth Rate
growth
Value:
0.46%
Peer Avg: 4.70%
#848 of 1077
Bottom 21.4% in 100M-500M tier