BOEING EMPLOYEES

Charter #62604 | WA

10B+ (21 CUs) Titans (21 CUs)
1 10B+ in WA

BOEING EMPLOYEES has 6 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 24.1% in tier
  • + Organic Growth Leader: Top 25.7% in tier
  • + Net Interest Margin 0.66% above tier average
  • + Share Certificate Concentration (%): Top 0.0% in tier
  • + Total Delinquency Rate (60+ days): Top 4.8% in tier
  • + Net Worth Ratio: Top 4.8% in tier

Key Concerns

Areas that may need attention

  • - Cost Spiral: Bottom 0.0% in tier
  • - Liquidity Overhang: Bottom 25.0% in tier
  • - Credit Quality Pressure: Bottom 25.5% in tier
  • - Growth-at-Risk: Bottom 31.7% in tier
  • - ROA 0.20% below tier average
  • - Efficiency ratio 13.25% above tier (higher cost structure)

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (WA) National Avg Tier Percentile
Members 1,541,705
+2.8% YoY-0.1% QoQ
 -280.7K 1,822,416
+4.1% YoY
 65,720
+2.5% YoY
 33,089
+6.1% YoY
 Top 19.0% in tier
Assets $28.9B
-2.7% YoY-0.1% QoQ
 +$181.3M $28.7B
+4.2% YoY
 $1.2B
+3.7% YoY
 $547.7M
+7.8% YoY
 Top 23.8% in tier
Loans $20.2B
+3.3% YoY+1.1% QoQ
 $-878.7M $21.1B
+5.8% YoY
 $909.1M
+5.1% YoY
 $388.7M
+8.6% YoY
 Top 23.8% in tier
Deposits $25.5B
+2.8% YoY+0.1% QoQ
 +$1.0B $24.4B
+7.2% YoY
 $1.0B
+6.5% YoY
 $464.6M
+9.3% YoY
 Top 19.0% in tier
ROA 0.6%
-29.6% YoY-16.3% QoQ
 -0.2% 0.8%
+17.7% YoY
 0.6%
+9.9% YoY
 0.7%
+273.4% YoY
 38th in tier
NIM 3.8%
+7.8% YoY+3.1% QoQ
 +0.7% 3.1%
+10.6% YoY
 3.7%
+4.7% YoY
 3.7%
+5.0% YoY
 Top 19.0% in tier
Efficiency Ratio 77.5%
+8.6% YoY-1.1% QoQ
 +13.2% 64.3%
-4.3% YoY
 76.4%
-1.1% YoY
 79.1%
-3.3% YoY
 Top 14.3% in tier
Delinquency Rate 0.4%
+6.2% YoY-3.7% QoQ
 -0.8 1.2%
+9.7% YoY
 0.9%
-2.6% YoY
 1.2%
-0.9% YoY
 Bottom 4.8% in tier
Loan To Share 79.4%
+0.5% YoY+1.1% QoQ
 -10.4% 89.8%
-0.3% YoY
 76.9%
-2.2% YoY
 68.0%
-1.7% YoY
 Bottom 14.3% in tier
AMR $29,622
+0.2% YoY+0.6% QoQ
 $-2K $31,184
+7.8% YoY
 $28,761
+2.7% YoY
 $19,418
+1.3% YoY
 48th in tier
CD Concentration 12.7%
-9.4% YoY-6.0% QoQ
 -19.2% 31.9%
+2.0% YoY
 22.3%
+2.5% YoY
 19.6%
+6.2% YoY
 Bottom 0.0% in tier
Indirect Auto % 11.1%
-18.9% YoY-5.6% QoQ
 -3.2% 14.2%
-8.9% YoY
 17.1%
-8.4% YoY
 7.9%
-2.9% YoY
 48th in tier

Signature Analysis

Strengths (2)

Organic Growth Engine

growth
#14 of 18 • Top 24.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.84%
(Tier: 3.59%, National: 9.37%)
but worse than tier avg
Return on Assets: 0.56%
(Tier: 0.76%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 11.07%
(Tier: 14.25%, National: 7.90%)
better than tier avg
18 of 21 Titans CUs have this signature | 917 nationally
→ Stable (18→18 CUs)

Organic Growth Leader

growth
#10 of 12 • Top 25.7% in tier

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

Why This Signature
Member Growth (YoY): 2.84%
(Tier: 3.59%, National: 9.37%)
but worse than tier avg
12 of 21 Titans CUs have this signature | 608 nationally
→ Stable (11→12 CUs) +1 CUs YoY

Concerns (4)

Cost Spiral

risk
#1 of 1 • Bottom 0.0% in tier

Historically lean operator now seeing efficiency ratio rise significantly. Efficiency advantage eroding - early intervention critical.

Why This Signature
Efficiency Ratio Change: 6.15% points
(Tier: -2.28% points, National: -1.81% points)
worse than tier avg
Efficiency Ratio (Prior Year): -
(Tier: -, National: -)
Total Assets: $28.90B
(Tier: $28.72B, National: $547.69M)
but better than tier avg
1 of 21 Titans CUs have this signature | 80 nationally
→ Stable (2→1 CUs) -1 CUs YoY | New qualifier

Liquidity Overhang

risk
#2 of 2 • Bottom 25.0% 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: 12.45%
(Tier: 10.22%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 79.40%
(Tier: 89.80%, National: 67.96%)
worse than tier avg
2 of 21 Titans CUs have this signature | 691 nationally
→ Stable (2→2 CUs) | New qualifier

Credit Quality Pressure

risk
#14 of 15 • Bottom 25.5% in tier

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

Why This Signature
Delinquency Change (YoY): 0.02% points
(Tier: 0.10% points, National: 0.07% points)
but better than tier avg
15 of 21 Titans CUs have this signature | 1002 nationally
↓ Shrinking -6 CUs YoY

Growth-at-Risk

risk
#14 of 14 • Bottom 31.7% in tier

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

Why This Signature
Loan Growth (YoY): 3.28%
(Tier: 6.37%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 0.02% points
(Tier: 0.10% points, National: 0.07% points)
but better than tier avg
14 of 21 Titans CUs have this signature | 646 nationally
→ Stable (13→14 CUs) +1 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 21 peers in tier

Top Strengths (8 metrics)

1
Share Certificate Concentration (%)
balance_sheet
Value: 12.73%
Peer Avg: 31.91%
#1 of 21 Top 0.0% in 10B+ tier
2
Total Delinquency Rate (60+ days)
risk
Value: 0.39%
Peer Avg: 1.18%
#2 of 21 Top 4.8% in 10B+ tier
2
Net Worth Ratio
risk
Value: 12.45%
Peer Avg: 10.22%
#2 of 21 Top 4.8% in 10B+ tier
4
Net Interest Margin (NIM)
profitability
Value: 3.77%
Peer Avg: 3.11%
#4 of 21 Top 14.3% in 10B+ tier
4
Total Members
engagement
Value: 1,541,705
Peer Avg: 1,822,417
#4 of 21 Top 14.3% in 10B+ tier
4
Total Deposits
balance_sheet
Value: $25.46B
Peer Avg: $24.43B
#4 of 21 Top 14.3% in 10B+ tier
5
Total Assets
balance_sheet
Value: $28.90B
Peer Avg: $28.72B
#5 of 21 Top 19.0% in 10B+ tier
5
Total Loans
balance_sheet
Value: $20.21B
Peer Avg: $21.09B
#5 of 21 Top 19.0% in 10B+ tier

Top Weaknesses (4 metrics)

19
Efficiency Ratio
profitability
Value: 77.53%
Peer Avg: 64.29%
#19 of 21 Bottom 14.3% in 10B+ tier
18
Asset Growth Rate
growth
Value: -2.65%
Peer Avg: 4.36%
#18 of 21 Bottom 19.0% in 10B+ tier
18
Loan-to-Share Ratio
balance_sheet
Value: 79.40%
Peer Avg: 89.80%
#18 of 21 Bottom 19.0% in 10B+ tier
17
Loan Growth Rate
growth
Value: 3.28%
Peer Avg: 6.37%
#17 of 21 Bottom 23.8% in 10B+ tier