SOOPER CU DBA CLIMB CU

Charter #62776 | CO

500M-750M (169 CUs) Community (281 CUs)
2 500M-750M in CO

SOOPER CU DBA CLIMB CU has 6 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 31.1% in tier
  • + Organic Growth Engine: Top 31.3% in tier
  • + Wallet Share Momentum: Top 32.4% in tier
  • + Net Interest Margin 0.69% above tier average
  • + Total Loans: Top 4.7% in tier
  • + Loan-to-Share Ratio: Top 9.5% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 15.9% in tier
  • - Credit Quality Pressure: Bottom 21.3% in tier
  • - Indirect Auto Dependency: Bottom 25.7% in tier
  • - Growth-at-Risk: Bottom 28.5% in tier
  • - ROA 0.55% below tier average
  • - Delinquency rate 0.85% above tier average
  • - Net Charge-Off Rate: Bottom 8.3% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
Members 40,677
+2.2% YoY+0.5% QoQ
 +924 39,752
-2.7% YoY
 38,063
+8.0% YoY
 33,089
+6.1% YoY
 58th in tier
Assets $678.1M
+1.0% YoY+0.6% QoQ
 +$55.7M $622.4M
+0.3% YoY
 $678.0M
+7.3% YoY
 $547.7M
+7.8% YoY
 71st in tier
Loans $582.8M
+0.7% YoY-1.2% QoQ
 +$146.8M $435.9M
-0.4% YoY
 $529.4M
+8.0% YoY
 $388.7M
+8.6% YoY
 Top 5.3% in tier
Deposits $592.3M
+7.4% YoY+0.6% QoQ
 +$54.3M $538.0M
+1.3% YoY
 $571.8M
+9.1% YoY
 $464.6M
+9.3% YoY
 75th in tier
ROA 0.1%
-88.3% YoY-20.7% QoQ
 -0.5% 0.7%
+33.9% YoY
 0.5%
+8.5% YoY
 0.7%
+273.4% YoY
 Bottom 10.7% in tier
NIM 4.1%
-4.6% YoY+3.1% QoQ
 +0.7% 3.4%
+8.6% YoY
 3.6%
+3.7% YoY
 3.7%
+5.0% YoY
 Top 10.1% in tier
Efficiency Ratio 77.8%
+10.7% YoY-3.2% QoQ
 -0.3% 78.1%
-3.4% YoY
 80.6%
-2.6% YoY
 79.1%
-3.3% YoY
 46th in tier
Delinquency Rate 1.6%
+4.9% YoY+25.7% QoQ
 +0.9 0.8%
-4.9% YoY
 0.9%
+6.2% YoY
 1.2%
-0.9% YoY
 Top 10.1% in tier
Loan To Share 98.4%
-6.3% YoY-1.7% QoQ
 +17.4% 81.0%
-1.8% YoY
 72.9%
-3.4% YoY
 68.0%
-1.7% YoY
 Top 10.1% in tier
AMR $28,889
+1.7% YoY-0.9% QoQ
 +$2K $26,482
+2.6% YoY
 $22,866
+4.1% YoY
 $19,418
+1.3% YoY
 72nd in tier
CD Concentration 31.2%
-13.6% YoY-7.8% QoQ
 +6.8% 24.4%
+4.2% YoY
 26.3%
+7.3% YoY
 19.6%
+6.2% YoY
 74th in tier
Indirect Auto % 30.4%
-13.7% YoY-4.4% QoQ
 +16.5% 14.0%
-5.8% YoY
 12.4%
-8.4% YoY
 7.9%
-2.9% YoY
 Top 16.7% in tier

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth
#859 of 1006 • Top 31.1% in tier

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

Why This Signature
AMR Growth (YoY): 1.67%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $2.5K
(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 | New qualifier

Organic Growth Engine

growth
#575 of 603 • Top 31.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.25%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.11%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 30.43%
(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 | Rank worsening

Wallet Share Momentum

growth
#893 of 1006 • Top 32.4% in tier

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

Why This Signature
AMR Growth (YoY): 1.67%
(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 | New qualifier

Concerns (4)

Liquidity Strain

risk
#124 of 258 • Bottom 15.9% in tier

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

Why This Signature
Loan-to-Share Ratio: 98.38%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 0.65%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
258 of 281 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | Rank worsening

Credit Quality Pressure

risk
#529 of 736 • Bottom 21.3% in tier

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

Why This Signature
Delinquency Change (YoY): 0.08% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 281 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank worsening

Indirect Auto Dependency

risk
#414 of 525 • Bottom 25.7% in tier

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

Why This Signature
Asset Growth (YoY): 1.00%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 30.43%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 2.25%
(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 | Rank worsening

Growth-at-Risk

risk
#428 of 446 • Bottom 28.5% in tier

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

Why This Signature
Loan Growth (YoY): 0.65%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 0.08% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 281 Community CUs have this signature | 646 nationally
↓ Shrinking -77 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 169 peers in tier

Top Strengths (6 metrics)

9
Total Loans
balance_sheet
Value: $582.76M
Peer Avg: $435.95M
#9 of 169 Top 4.7% in 500M-750M tier
17
Net Interest Margin (NIM)
profitability
Value: 4.12%
Peer Avg: 3.43%
#17 of 169 Top 9.5% in 500M-750M tier
17
Loan-to-Share Ratio
balance_sheet
Value: 98.38%
Peer Avg: 81.02%
#17 of 169 Top 9.5% in 500M-750M tier
19
First Mortgage Concentration (%)
balance_sheet
Value: 15.35%
Peer Avg: 33.53%
#19 of 169 Top 10.7% in 500M-750M tier
31
Loan-to-Member Ratio (LMR)
engagement
Value: $14,327
Peer Avg: $11,805
#31 of 169 Top 17.8% in 500M-750M tier
43
Total Deposits
balance_sheet
Value: $592.34M
Peer Avg: $538.02M
#43 of 169 Top 24.9% in 500M-750M tier

Top Weaknesses (4 metrics)

156
Net Charge-Off Rate
risk
Value: 1.11%
Peer Avg: 0.51%
#156 of 169 Bottom 8.3% in 500M-750M tier
153
Total Delinquency Rate (60+ days)
risk
Value: 1.65%
Peer Avg: 0.80%
#153 of 169 Bottom 10.1% in 500M-750M tier
151
Return on Assets (ROA)
profitability
Value: 0.11%
Peer Avg: 0.66%
#151 of 169 Bottom 11.2% in 500M-750M tier
138
Indirect Auto Concentration (%)
balance_sheet
Value: 30.43%
Peer Avg: 16.19%
#138 of 169 Bottom 18.9% in 500M-750M tier