TOGETHER

Charter #62715 | MO

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

TOGETHER has 6 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 11.2% in tier
  • + Relationship Depth Leader: Top 14.1% in tier
  • + Organic Growth Engine: Top 30.8% in tier
  • + Total Loans: Top 5.6% in tier
  • + Total Assets: Top 9.2% in tier
  • + Total Deposits: Top 9.9% in tier

Key Concerns

Areas that may need attention

  • - Growth-at-Risk: Bottom 12.8% in tier
  • - Liquidity Strain: Bottom 16.6% in tier
  • - Flatlined Growth: Bottom 17.1% in tier
  • - Credit Quality Pressure: Bottom 21.0% in tier
  • - Indirect Auto Dependency: Bottom 27.9% in tier
  • - ROA 0.22% below tier average
  • - Efficiency ratio 2.83% above tier (higher cost structure)

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Members 145,136
+2.2% YoY+0.4% QoQ
 +46.5K 98,678
-1.9% YoY
 15,920
+4.0% YoY
 33,089
+6.1% YoY
 Top 14.5% in tier
Assets $2.6B
-0.5% YoY-0.9% QoQ
 +$921.5M $1.7B
+0.5% YoY
 $210.9M
+9.4% YoY
 $547.7M
+7.8% YoY
 Top 9.5% in tier
Loans $2.1B
+10.7% YoY+3.1% QoQ
 +$891.3M $1.2B
+0.5% YoY
 $147.8M
+9.0% YoY
 $388.7M
+8.6% YoY
 Top 5.9% in tier
Deposits $2.3B
+7.0% YoY-1.4% QoQ
 +$796.8M $1.5B
+1.3% YoY
 $183.9M
+12.2% YoY
 $464.6M
+9.3% YoY
 Top 10.2% in tier
ROA 0.5%
+28.0% YoY+36.0% QoQ
 -0.2% 0.7%
+13.4% YoY
 0.6%
+117.2% YoY
 0.7%
+273.4% YoY
 32nd in tier
NIM 3.2%
+14.4% YoY+3.1% QoQ
 -0.0% 3.3%
+9.3% YoY
 3.8%
+3.2% YoY
 3.7%
+5.0% YoY
 48th in tier
Efficiency Ratio 76.8%
-4.8% YoY-3.2% QoQ
 +2.8% 74.0%
-10.9% YoY
 78.5%
-6.5% YoY
 79.1%
-3.3% YoY
 60th in tier
Delinquency Rate 0.7%
+8.7% YoY+2.1% QoQ
 -0.2 0.8%
+6.1% YoY
 1.2%
+9.9% YoY
 1.2%
-0.9% YoY
 49th in tier
Loan To Share 94.4%
+3.5% YoY+4.6% QoQ
 +9.2% 85.2%
-0.8% YoY
 72.3%
-3.7% YoY
 68.0%
-1.7% YoY
 71st in tier
AMR $30,148
+6.3% YoY+0.3% QoQ
 +$975 $29,172
+2.8% YoY
 $16,810
+3.4% YoY
 $19,418
+1.3% YoY
 64th in tier
CD Concentration 24.1%
-5.5% YoY-3.0% QoQ
 -4.9% 29.0%
+0.8% YoY
 18.1%
+9.5% YoY
 19.6%
+6.2% YoY
 28th in tier
Indirect Auto % 28.0%
+1.1% YoY-2.1% QoQ
 +9.2% 18.8%
-2.8% YoY
 10.3%
-9.1% YoY
 7.9%
-2.9% YoY
 72nd in tier

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth
#82 of 264 • Top 11.2% in tier

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

Why This Signature
AMR Growth (YoY): 6.35%
(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
#103 of 264 • Top 14.1% in tier

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

Why This Signature
AMR Growth (YoY): 6.35%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.8K
(Tier: $3.1K, National: $2.0K)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Organic Growth Engine

growth
#224 of 246 • Top 30.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.23%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
Return on Assets: 0.48%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 28.01%
(Tier: 18.80%, National: 7.90%)
but worse than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | New qualifier

Concerns (5)

Growth-at-Risk

risk
#72 of 161 • Bottom 12.8% in tier

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

Why This Signature
Loan Growth (YoY): 10.66%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.05% points
(Tier: 0.07% points, National: 0.07% points)
but better than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 CUs YoY | New qualifier

Liquidity Strain

risk
#88 of 183 • Bottom 16.6% in tier

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

Why This Signature
Loan-to-Share Ratio: 94.37%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 10.66%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY | Rank improving

Flatlined Growth

risk
#7 of 18 • Bottom 17.1% in tier

Asset growth has flattened despite healthy profitability. May indicate a need to reassess growth strategy.

Why This Signature
Total Assets: $2.64B
(Tier: $1.72B, National: $547.69M)
but better than tier avg
Asset Growth (YoY): -0.46%
(Tier: 5.36%, National: 3.04%)
worse than tier avg
Return on Assets: 0.48%
(Tier: 0.71%, National: 0.71%)
worse than tier avg
18 of 380 Mid-Market CUs have this signature | 82 nationally
→ Stable (18→18 CUs) | New qualifier

Credit Quality Pressure

risk
#162 of 217 • Bottom 21.0% in tier

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

Why This Signature
Delinquency Change (YoY): 0.05% points
(Tier: 0.07% points, National: 0.07% points)
but better than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#173 of 202 • Bottom 27.9% 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: 5.36%, National: 3.04%)
worse than tier avg
Indirect Auto %: 28.01%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 2.23%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 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 (6 metrics)

18
Total Loans
balance_sheet
Value: $2.12B
Peer Avg: $1.23B
#18 of 304 Top 5.6% in 1B-3B tier
29
Total Assets
balance_sheet
Value: $2.64B
Peer Avg: $1.72B
#29 of 304 Top 9.2% in 1B-3B tier
31
Total Deposits
balance_sheet
Value: $2.25B
Peer Avg: $1.45B
#31 of 304 Top 9.9% in 1B-3B tier
44
Total Members
engagement
Value: 145,136
Peer Avg: 98,678
#44 of 304 Top 14.1% in 1B-3B tier
53
Loan Growth Rate
growth
Value: 10.66%
Peer Avg: 5.27%
#53 of 304 Top 17.1% in 1B-3B tier
67
AMR Growth Rate
growth
Value: 6.35%
Peer Avg: 3.29%
#67 of 304 Top 21.7% in 1B-3B tier

Top Weaknesses (2 metrics)

255
Asset Growth Rate
growth
Value: -0.46%
Peer Avg: 4.83%
#255 of 304 Bottom 16.4% in 1B-3B tier
240
Net Worth Ratio
risk
Value: 9.52%
Peer Avg: 11.44%
#240 of 304 Bottom 21.4% in 1B-3B tier