LANDINGS

Charter #62937 | AZ

100M-500M (1077 CUs) Micro
8 100M-500M in AZ

LANDINGS has 4 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 24.4% in tier
  • + Wallet Share Momentum: Top 34.0% in tier
  • + ROA 0.20% above tier average
  • + Net Interest Margin 0.43% above tier average

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 2.4% in tier
  • - Stagnation Risk: Bottom 13.4% in tier
  • - Credit Quality Pressure: Bottom 18.8% in tier
  • - Institutional Decline: Bottom 20.6% in tier
  • - Membership Headwinds: Bottom 25.2% in tier
  • - Indirect Auto Concentration (%): Bottom 3.0% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (AZ) National Avg Tier Percentile
Members 15,147
-1.4% YoY+0.0% QoQ
 -481 15,628
-3.4% YoY
 60,829
+5.9% YoY
 33,089
+6.1% YoY
 58th in tier
Assets $251.4M
+4.3% YoY+0.5% QoQ
 +$20.1M $231.3M
-0.0% YoY
 $1.0B
+8.7% YoY
 $547.7M
+7.8% YoY
 64th in tier
Loans $150.3M
-5.2% YoY+0.2% QoQ
 +$2.5M $147.8M
-1.4% YoY
 $651.1M
+13.2% YoY
 $388.7M
+8.6% YoY
 61st in tier
Deposits $223.4M
+3.6% YoY+0.4% QoQ
 +$23.1M $200.3M
-0.0% YoY
 $883.8M
+10.9% YoY
 $464.6M
+9.3% YoY
 65th in tier
ROA 1.0%
+3.6% YoY-2.5% QoQ
 +0.2% 0.8%
+15.5% YoY
 0.8%
+38.7% YoY
 0.7%
+273.4% YoY
 65th in tier
NIM 4.0%
+0.9% YoY+1.0% QoQ
 +0.4% 3.6%
+6.9% YoY
 4.0%
+6.6% YoY
 3.7%
+5.0% YoY
 74th in tier
Efficiency Ratio 71.3%
-3.3% YoY-0.4% QoQ
 -5.9% 77.3%
-3.0% YoY
 75.3%
-3.3% YoY
 79.1%
-3.3% YoY
 29th in tier
Delinquency Rate 0.8%
+15.5% YoY+27.7% QoQ
 -0.0 0.9%
+7.6% YoY
 0.9%
+2.1% YoY
 1.2%
-0.9% YoY
 63rd in tier
Loan To Share 67.3%
-8.5% YoY-0.3% QoQ
 -5.4% 72.7%
-1.5% YoY
 71.1%
-3.6% YoY
 68.0%
-1.7% YoY
 34th in tier
AMR $24,671
+1.3% YoY+0.3% QoQ
 +$308 $24,363
+2.9% YoY
 $19,058
+3.8% YoY
 $19,418
+1.3% YoY
 63rd in tier
CD Concentration 24.9%
+23.9% YoY+6.6% QoQ
 +0.5% 24.4%
+4.2% YoY
 16.8%
+14.1% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 52.4%
-6.6% YoY-2.1% QoQ
 +38.4% 14.0%
-5.8% YoY
 23.2%
-8.0% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth
#674 of 1006 • Top 24.4% in tier

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

Why This Signature
AMR Growth (YoY): 1.27%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $3.4K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Wallet Share Momentum

growth
#938 of 1006 • Top 34.0% in tier

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

Why This Signature
AMR Growth (YoY): 1.27%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (5)

Indirect Auto Dependency

risk
#40 of 525 • Bottom 2.4% in tier

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

Why This Signature
Asset Growth (YoY): 4.26%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 52.38%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -1.38%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY

Stagnation Risk

risk
#221 of 550 • Bottom 13.4% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.99%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -1.38%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $24.7K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 24.91%
(Tier: 24.41%, National: 19.60%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Credit Quality Pressure

risk
#466 of 736 • Bottom 18.8% in tier

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

Why This Signature
Delinquency Change (YoY): 0.11% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank worsening

Institutional Decline

decline
#163 of 256 • Bottom 20.6% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $251.40M
(Tier: $231.30M, National: $547.69M)
but better than tier avg
Member Growth (YoY): -1.38%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -5.21%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
256 of 1077 Community CUs have this signature | 293 nationally
↓ Shrinking -43 CUs YoY | Rank worsening

Membership Headwinds

decline
#416 of 550 • Bottom 25.2% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -1.38%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 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 1077 peers in tier

Top Strengths (1 metrics)

159
First Mortgage Concentration (%)
balance_sheet
Value: 11.59%
Peer Avg: 30.43%
#159 of 1077 Top 14.7% in 100M-500M tier

Top Weaknesses (2 metrics)

1046
Indirect Auto Concentration (%)
balance_sheet
Value: 52.38%
Peer Avg: 13.34%
#1046 of 1077 Bottom 3.0% in 100M-500M tier
950
Loan Growth Rate
growth
Value: -5.21%
Peer Avg: 3.45%
#950 of 1077 Bottom 11.9% in 100M-500M tier