TELHIO

Charter #62848 | OH

1B-3B (304 CUs) Mid-Market (380 CUs)
6 1B-3B in OH

TELHIO has 1 strength but faces 14 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 30.6% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 0.7% in tier
  • - Efficiency Drag: Bottom 4.3% in tier
  • - Shrinking Wallet Share: Bottom 10.9% in tier
  • - Deposit Outflow: Bottom 13.9% in tier
  • - Wealth Migration Risk: Bottom 19.6% in tier
  • - Liquidity Strain: Bottom 32.6% in tier
  • - ROA 0.53% below tier average
  • - Efficiency ratio 12.67% above tier (higher cost structure)
  • - Delinquency rate 0.85% above tier average
  • - Asset Growth Rate: Bottom 5.3% in tier
  • - Members Per Employee (MPE): Bottom 5.9% in tier
  • - Deposit Growth Rate: Bottom 6.9% in tier
  • - Total Delinquency Rate (60+ days): Bottom 7.2% in tier
  • - AMR Growth Rate: Bottom 8.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Members 68,029
+0.4% YoY-1.0% QoQ
 -30.6K 98,678
-1.9% YoY
 16,553
+5.8% YoY
 33,089
+6.1% YoY
 Bottom 23.0% in tier
Assets $1.4B
-5.0% YoY-1.1% QoQ
 $-364.2M $1.7B
+0.5% YoY
 $245.2M
+8.8% YoY
 $547.7M
+7.8% YoY
 34th in tier
Loans $1.1B
-4.3% YoY-0.7% QoQ
 $-162.0M $1.2B
+0.5% YoY
 $170.6M
+8.7% YoY
 $388.7M
+8.6% YoY
 47th in tier
Deposits $1.2B
-2.5% YoY-1.7% QoQ
 $-298.4M $1.5B
+1.3% YoY
 $209.1M
+9.7% YoY
 $464.6M
+9.3% YoY
 38th in tier
ROA 0.2%
-246.3% YoY+129.0% QoQ
 -0.5% 0.7%
+13.4% YoY
 0.5%
-7.3% YoY
 0.7%
+273.4% YoY
 Bottom 7.9% in tier
NIM 3.2%
+21.2% YoY+4.0% QoQ
 -0.0% 3.3%
+9.3% YoY
 3.7%
+3.3% YoY
 3.7%
+5.0% YoY
 44th in tier
Efficiency Ratio 86.6%
-8.7% YoY-1.1% QoQ
 +12.7% 74.0%
-10.9% YoY
 83.9%
+3.6% YoY
 79.1%
-3.3% YoY
 Top 5.6% in tier
Delinquency Rate 1.7%
+301.7% YoY+31.7% QoQ
 +0.9 0.8%
+6.1% YoY
 1.5%
+29.9% YoY
 1.2%
-0.9% YoY
 Top 7.2% in tier
Loan To Share 92.7%
-1.8% YoY+1.0% QoQ
 +7.5% 85.2%
-0.8% YoY
 63.8%
-2.4% YoY
 68.0%
-1.7% YoY
 65th in tier
AMR $32,736
-3.8% YoY-0.2% QoQ
 +$4K $29,172
+2.8% YoY
 $17,099
+5.9% YoY
 $19,418
+1.3% YoY
 Top 23.7% in tier
CD Concentration 25.1%
+0.0% YoY-0.2% QoQ
 -3.9% 29.0%
+0.8% YoY
 19.2%
+8.0% YoY
 19.6%
+6.2% YoY
 34th in tier
Indirect Auto % 10.0%
-24.8% YoY-7.5% QoQ
 -8.8% 18.8%
-2.8% YoY
 11.2%
-0.8% YoY
 7.9%
-2.9% YoY
 35th in tier

Signature Analysis

Strengths (1)

Emerging Performer

growth
#163 of 184 • Top 30.6% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.18%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): 0.43%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | New qualifier

Concerns (6)

Credit Quality Pressure

risk
#6 of 217 • Bottom 0.7% in tier

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

Why This Signature
Delinquency Change (YoY): 1.26% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank improving

Efficiency Drag

risk
#15 of 96 • Bottom 4.3% in tier

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

Why This Signature
Efficiency Ratio: 86.64%
(Tier: 73.45%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.30% points
(Tier: 0.07% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): 0.43%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
96 of 380 Mid-Market CUs have this signature | 624 nationally
↓ Shrinking -32 CUs YoY | Rank improving

Shrinking Wallet Share

decline
#34 of 83 • Bottom 10.9% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -3.81%
(Tier: 3.04%, National: 4.19%)
worse than tier avg
83 of 380 Mid-Market CUs have this signature | 346 nationally
↓ Shrinking -55 CUs YoY | New qualifier

Deposit Outflow

decline
#18 of 25 • Bottom 13.9% in tier

Members staying but deposits leaving. They're losing to higher-yield competitors - rate pressure is real.

Why This Signature
Deposit Growth (YoY): -2.54%
(Tier: 6.24%, National: 12.00%)
worse than tier avg
Total Assets: $1.36B
(Tier: $1.72B, National: $547.69M)
worse than tier avg
25 of 380 Mid-Market CUs have this signature | 143 nationally
↓ Shrinking -42 CUs YoY | New qualifier

Wealth Migration Risk

decline
#10 of 10 • Bottom 19.6% in tier

High-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.

Why This Signature
Avg Member Relationship: $32.7K
(Tier: $29.2K, National: $19.4K)
but better than tier avg
AMR Growth (YoY): -3.81%
(Tier: 3.04%, National: 4.19%)
worse than tier avg
Total Assets: $1.36B
(Tier: $1.72B, National: $547.69M)
worse than tier avg
10 of 380 Mid-Market CUs have this signature | 39 nationally
↓ Shrinking -11 CUs YoY | New qualifier

Liquidity Strain

risk
#172 of 183 • Bottom 32.6% in tier

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

Why This Signature
Loan-to-Share Ratio: 92.65%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): -4.31%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 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 (3 metrics)

58
Loan-to-Member Ratio (LMR)
engagement
Value: $15,744
Peer Avg: $13,213
#58 of 304 Top 18.8% in 1B-3B tier
68
Fee Income Per Member
profitability
Value: $256.24
Peer Avg: $210.52
#68 of 304 Top 22.0% in 1B-3B tier
72
Average Member Relationship (AMR)
engagement
Value: $32,736
Peer Avg: $29,172
#72 of 304 Top 23.4% in 1B-3B tier

Top Weaknesses (10 metrics)

289
Asset Growth Rate
growth
Value: -4.98%
Peer Avg: 4.83%
#289 of 304 Bottom 5.3% in 1B-3B tier
288
Efficiency Ratio
profitability
Value: 86.64%
Peer Avg: 73.97%
#288 of 304 Bottom 5.6% in 1B-3B tier
287
Members Per Employee (MPE)
engagement
Value: 251.030
Peer Avg: 364.953
#287 of 304 Bottom 5.9% in 1B-3B tier
284
Deposit Growth Rate
growth
Value: -2.54%
Peer Avg: 5.58%
#284 of 304 Bottom 6.9% in 1B-3B tier
283
Total Delinquency Rate (60+ days)
risk
Value: 1.68%
Peer Avg: 0.83%
#283 of 304 Bottom 7.2% in 1B-3B tier
280
Return on Assets (ROA)
profitability
Value: 0.18%
Peer Avg: 0.70%
#280 of 304 Bottom 8.2% in 1B-3B tier
278
AMR Growth Rate
growth
Value: -3.81%
Peer Avg: 3.29%
#278 of 304 Bottom 8.9% in 1B-3B tier
274
Loan Growth Rate
growth
Value: -4.31%
Peer Avg: 5.27%
#274 of 304 Bottom 10.2% in 1B-3B tier
235
Net Worth Ratio
risk
Value: 9.60%
Peer Avg: 11.44%
#235 of 304 Bottom 23.0% in 1B-3B tier
234
Total Members
engagement
Value: 68,029
Peer Avg: 98,678
#234 of 304 Bottom 23.4% in 1B-3B tier