PELICAN

Charter #62710 | LA

750M-1B (112 CUs) Community (281 CUs)
3 750M-1B in LA

PELICAN has 11 strengths but faces 10 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 18.2% in tier
  • + Wallet Share Momentum: Top 25.6% in tier
  • + Relationship Depth Leader: Top 34.5% in tier
  • + Net Interest Margin 1.94% above tier average
  • + Strong member growth: 9.4% YoY
  • + Total Members: Top 1.8% in tier
  • + Fee Income Per Member: Top 3.6% in tier
  • + Member Growth Rate: Top 3.6% in tier
  • + Deposit Growth Rate: Top 5.4% in tier
  • + Asset Growth Rate: Top 8.0% in tier
  • + First Mortgage Concentration (%): Top 9.8% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 11.1% in tier
  • - Indirect Auto Dependency: Bottom 18.4% in tier
  • - Efficiency Drag: Bottom 25.0% in tier
  • - ROA 0.36% below tier average
  • - Efficiency ratio 5.78% above tier (higher cost structure)
  • - Delinquency rate 1.23% above tier average
  • - Net Charge-Off Rate: Bottom 2.7% in tier
  • - Total Delinquency Rate (60+ days): Bottom 4.5% in tier
  • - Average Member Relationship (AMR): Bottom 4.5% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 8.0% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Members 85,358
+9.4% YoY+4.0% QoQ
 +33.2K 52,114
-2.1% YoY
 9,352
+2.6% YoY
 33,089
+6.1% YoY
 Top 2.7% in tier
Assets $819.7M
+11.6% YoY+1.0% QoQ
 $-39.3M $859.0M
+0.0% YoY
 $121.4M
+4.9% YoY
 $547.7M
+7.8% YoY
 34th in tier
Loans $688.2M
+13.0% YoY+1.4% QoQ
 +$84.9M $603.4M
+1.0% YoY
 $86.9M
+5.1% YoY
 $388.7M
+8.6% YoY
 Top 23.2% in tier
Deposits $731.5M
+12.5% YoY+4.2% QoQ
 $-2.7M $734.2M
+0.9% YoY
 $103.9M
+6.5% YoY
 $464.6M
+9.3% YoY
 55th in tier
ROA 0.4%
+6.8% YoY+28.4% QoQ
 -0.4% 0.7%
+27.6% YoY
 0.5%
+1.1% YoY
 0.7%
+273.4% YoY
 Bottom 23.2% in tier
NIM 5.3%
+3.8% YoY-0.4% QoQ
 +1.9% 3.4%
+9.6% YoY
 4.3%
+3.2% YoY
 3.7%
+5.0% YoY
 Top 1.8% in tier
Efficiency Ratio 80.3%
-4.5% YoY+1.3% QoQ
 +5.8% 74.5%
-3.2% YoY
 82.9%
-3.6% YoY
 79.1%
-3.3% YoY
 66th in tier
Delinquency Rate 2.1%
-6.4% YoY+12.2% QoQ
 +1.2 0.8%
+5.0% YoY
 1.8%
-12.2% YoY
 1.2%
-0.9% YoY
 Top 4.5% in tier
Loan To Share 94.1%
+0.5% YoY-2.7% QoQ
 +11.4% 82.7%
+0.1% YoY
 70.9%
-2.6% YoY
 68.0%
-1.7% YoY
 Top 20.5% in tier
AMR $16,632
+3.0% YoY-1.1% QoQ
 $-12K $28,651
+2.5% YoY
 $13,297
+2.9% YoY
 $19,418
+1.3% YoY
 Bottom 3.6% in tier
CD Concentration 37.5%
+0.1% YoY+4.5% QoQ
 +13.1% 24.4%
+4.2% YoY
 15.0%
+9.1% YoY
 19.6%
+6.2% YoY
 Top 10.9% in tier
Indirect Auto % 20.1%
+61.1% YoY-4.4% QoQ
 +6.2% 14.0%
-5.8% YoY
 5.3%
+10.6% YoY
 7.9%
-2.9% YoY
 71st in tier

Signature Analysis

Strengths (3)

Organic Growth Engine

growth
#335 of 603 • Top 18.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 9.41%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.35%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 20.12%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY

Wallet Share Momentum

growth
#707 of 1006 • Top 25.6% in tier

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

Why This Signature
AMR Growth (YoY): 3.03%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#950 of 1006 • Top 34.5% in tier

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

Why This Signature
AMR Growth (YoY): 3.03%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $1.4K
(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 | Rank worsening

Concerns (3)

Liquidity Strain

risk
#87 of 258 • Bottom 11.1% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 94.09%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 13.00%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
258 of 281 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#296 of 525 • Bottom 18.4% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 11.56%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 20.12%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 9.41%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 281 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | New qualifier

Efficiency Drag

risk
#442 of 521 • Bottom 25.0% in tier

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

Why This Signature
Efficiency Ratio: 80.30%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.02% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): 9.41%
(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 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 112 peers in tier

Top Strengths (10 metrics)

2
Net Interest Margin (NIM)
profitability
Value: 5.31%
Peer Avg: 3.38%
#2 of 112 Top 0.9% in 750M-1B tier
3
Total Members
engagement
Value: 85,358
Peer Avg: 52,114
#3 of 112 Top 1.8% in 750M-1B tier
5
Fee Income Per Member
profitability
Value: $409.32
Peer Avg: $204.75
#5 of 112 Top 3.6% in 750M-1B tier
5
Member Growth Rate
growth
Value: 9.41%
Peer Avg: 1.14%
#5 of 112 Top 3.6% in 750M-1B tier
7
Deposit Growth Rate
growth
Value: 12.48%
Peer Avg: 5.03%
#7 of 112 Top 5.4% in 750M-1B tier
10
Asset Growth Rate
growth
Value: 11.56%
Peer Avg: 4.25%
#10 of 112 Top 8.0% in 750M-1B tier
12
First Mortgage Concentration (%)
balance_sheet
Value: 15.04%
Peer Avg: 33.64%
#12 of 112 Top 9.8% in 750M-1B tier
14
Loan Growth Rate
growth
Value: 13.00%
Peer Avg: 4.84%
#14 of 112 Top 11.6% in 750M-1B tier
23
Loan-to-Share Ratio
balance_sheet
Value: 94.09%
Peer Avg: 82.66%
#23 of 112 Top 19.6% in 750M-1B tier
26
Total Loans
balance_sheet
Value: $688.23M
Peer Avg: $603.36M
#26 of 112 Top 22.3% in 750M-1B tier

Top Weaknesses (8 metrics)

110
Net Charge-Off Rate
risk
Value: 1.84%
Peer Avg: 0.61%
#110 of 112 Bottom 2.7% in 750M-1B tier
108
Total Delinquency Rate (60+ days)
risk
Value: 2.05%
Peer Avg: 0.82%
#108 of 112 Bottom 4.5% in 750M-1B tier
108
Average Member Relationship (AMR)
engagement
Value: $16,632
Peer Avg: $28,651
#108 of 112 Bottom 4.5% in 750M-1B tier
104
Loan-to-Member Ratio (LMR)
engagement
Value: $8,063
Peer Avg: $12,810
#104 of 112 Bottom 8.0% in 750M-1B tier
100
Members Per Employee (MPE)
engagement
Value: 248.857
Peer Avg: 361.634
#100 of 112 Bottom 11.6% in 750M-1B tier
97
Share Certificate Concentration (%)
balance_sheet
Value: 37.52%
Peer Avg: 28.34%
#97 of 112 Bottom 14.3% in 750M-1B tier
86
Return on Assets (ROA)
profitability
Value: 0.35%
Peer Avg: 0.71%
#86 of 112 Bottom 24.1% in 750M-1B tier
86
Net Worth Ratio
risk
Value: 9.36%
Peer Avg: 11.52%
#86 of 112 Bottom 24.1% in 750M-1B tier