LISTERHILL

Charter #63057 | AL

1B-3B (304 CUs) Mid-Market (380 CUs)
10 1B-3B in AL

LISTERHILL has 4 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 10.5% in tier
  • + Wallet Share Momentum: Top 20.9% in tier
  • + Emerging Performer: Top 29.7% in tier
  • + Net Interest Margin 0.01% above tier average

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 2.4% in tier
  • - Credit Quality Pressure: Bottom 18.2% in tier
  • - Membership Headwinds: Bottom 19.7% in tier
  • - Stagnation Risk: Bottom 22.2% in tier
  • - Growth-at-Risk: Bottom 24.5% in tier
  • - ROA 0.23% below tier average
  • - Efficiency ratio 12.21% above tier (higher cost structure)
  • - Member decline: -2.4% YoY

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Members 91,761
-2.4% YoY+0.4% QoQ
 -6.9K 98,678
-1.9% YoY
 29,240
-2.8% YoY
 33,089
+6.1% YoY
 53rd in tier
Assets $1.4B
+0.4% YoY-1.5% QoQ
 $-312.3M $1.7B
+0.5% YoY
 $436.7M
+7.4% YoY
 $547.7M
+7.8% YoY
 38th in tier
Loans $1.1B
+3.4% YoY+2.7% QoQ
 $-160.3M $1.2B
+0.5% YoY
 $258.0M
+6.8% YoY
 $388.7M
+8.6% YoY
 47th in tier
Deposits $1.3B
-0.4% YoY-1.9% QoQ
 $-197.9M $1.5B
+1.3% YoY
 $382.5M
+6.8% YoY
 $464.6M
+9.3% YoY
 48th in tier
ROA 0.5%
+5.2% YoY+21.9% QoQ
 -0.2% 0.7%
+13.4% YoY
 0.8%
+31.6% YoY
 0.7%
+273.4% YoY
 31st in tier
NIM 3.3%
+23.0% YoY+4.8% QoQ
 +0.0% 3.3%
+9.3% YoY
 3.7%
+6.4% YoY
 3.7%
+5.0% YoY
 50th in tier
Efficiency Ratio 86.2%
+2.6% YoY-0.5% QoQ
 +12.2% 74.0%
-10.9% YoY
 76.4%
-6.2% YoY
 79.1%
-3.3% YoY
 Top 5.9% in tier
Delinquency Rate 0.7%
+13.9% YoY+60.5% QoQ
 -0.2 0.8%
+6.1% YoY
 1.7%
+18.9% YoY
 1.2%
-0.9% YoY
 49th in tier
Loan To Share 85.4%
+3.8% YoY+4.7% QoQ
 +0.2% 85.2%
-0.8% YoY
 60.8%
-1.6% YoY
 68.0%
-1.7% YoY
 43rd in tier
AMR $25,384
+3.8% YoY-0.2% QoQ
 $-4K $29,172
+2.8% YoY
 $17,062
+2.3% YoY
 $19,418
+1.3% YoY
 38th in tier
CD Concentration 30.2%
-5.1% YoY+0.0% QoQ
 +1.2% 29.0%
+0.8% YoY
 20.8%
+2.9% YoY
 19.6%
+6.2% YoY
 57th in tier
Indirect Auto % 7.5%
+4.2% YoY+0.5% QoQ
 -11.3% 18.8%
-2.8% YoY
 5.4%
-6.7% YoY
 7.9%
-2.9% YoY
 30th in tier

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth
#77 of 264 • Top 10.5% in tier

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

Why This Signature
AMR Growth (YoY): 3.81%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $4.0K
(Tier: $3.1K, National: $2.0K)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Wallet Share Momentum

growth
#152 of 264 • Top 20.9% in tier

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

Why This Signature
AMR Growth (YoY): 3.81%
(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

Emerging Performer

growth
#158 of 184 • Top 29.7% in tier

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

Why This Signature
Return on Assets: 0.47%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): -2.36%
(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 | Rank worsening

Concerns (5)

Efficiency Drag

risk
#9 of 96 • Bottom 2.4% in tier

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

Why This Signature
Efficiency Ratio: 86.18%
(Tier: 73.45%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.02% points
(Tier: 0.07% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): -2.36%
(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

Credit Quality Pressure

risk
#140 of 217 • Bottom 18.2% 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: 0.07% 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 worsening

Membership Headwinds

decline
#48 of 85 • Bottom 19.7% in tier

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

Why This Signature
Member Growth (YoY): -2.36%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 CUs YoY | New qualifier

Stagnation Risk

risk
#54 of 85 • Bottom 22.2% 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: 0.47%
(Tier: 0.71%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -2.36%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $25.4K
(Tier: $29.2K, National: $19.4K)
worse than tier avg
CD Concentration: 30.21%
(Tier: 28.98%, National: 19.60%)
worse than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 CUs YoY | New qualifier

Growth-at-Risk

risk
#137 of 161 • Bottom 24.5% in tier

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

Why This Signature
Loan Growth (YoY): 3.45%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 0.08% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 CUs YoY | New qualifier

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 (2 metrics)

56
Net Charge-Off Rate
risk
Value: 0.25%
Peer Avg: 0.60%
#56 of 304 Top 18.1% in 1B-3B tier
59
Fee Income Per Member
profitability
Value: $261.26
Peer Avg: $210.52
#59 of 304 Top 19.1% in 1B-3B tier

Top Weaknesses (4 metrics)

287
Efficiency Ratio
profitability
Value: 86.18%
Peer Avg: 73.97%
#287 of 304 Bottom 5.9% in 1B-3B tier
264
Deposit Growth Rate
growth
Value: -0.36%
Peer Avg: 5.58%
#264 of 304 Bottom 13.5% in 1B-3B tier
258
Member Growth Rate
growth
Value: -2.36%
Peer Avg: 2.20%
#258 of 304 Bottom 15.5% in 1B-3B tier
238
Asset Growth Rate
growth
Value: 0.44%
Peer Avg: 4.83%
#238 of 304 Bottom 22.0% in 1B-3B tier