SELCO COMMUNITY

Charter #63196 | OR

1B-3B (304 CUs) Mid-Market (380 CUs)
5 1B-3B in OR

SELCO COMMUNITY has 6 strengths but faces 2 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 26.9% in tier
  • + Wallet Share Momentum: Top 34.5% in tier
  • + ROA 0.29% above tier average
  • + Total Deposits: Top 1.3% in tier
  • + Total Assets: Top 2.6% in tier
  • + Total Loans: Top 9.5% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 8.9% in tier
  • - Credit Quality Pressure: Bottom 10.7% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (OR) National Avg Tier Percentile
Members 151,722
-0.1% YoY+0.5% QoQ
 +53.0K 98,678
-1.9% YoY
 48,799
+9.4% YoY
 33,089
+6.1% YoY
 Top 12.2% in tier
Assets $2.9B
+2.8% YoY+1.5% QoQ
 +$1.2B $1.7B
+0.5% YoY
 $801.2M
+7.5% YoY
 $547.7M
+7.8% YoY
 Top 3.0% in tier
Loans $1.9B
-0.5% YoY+1.3% QoQ
 +$698.1M $1.2B
+0.5% YoY
 $546.0M
+10.9% YoY
 $388.7M
+8.6% YoY
 Top 9.9% in tier
Deposits $2.5B
+1.8% YoY+1.0% QoQ
 +$1.1B $1.5B
+1.3% YoY
 $683.7M
+7.5% YoY
 $464.6M
+9.3% YoY
 Top 1.6% in tier
ROA 1.0%
+17.6% YoY+16.1% QoQ
 +0.3% 0.7%
+13.4% YoY
 0.7%
+15.2% YoY
 0.7%
+273.4% YoY
 Top 24.0% in tier
NIM 3.0%
+7.7% YoY+1.9% QoQ
 -0.2% 3.3%
+9.3% YoY
 3.9%
+7.2% YoY
 3.7%
+5.0% YoY
 30th in tier
Efficiency Ratio 68.1%
-4.5% YoY-4.0% QoQ
 -5.9% 74.0%
-10.9% YoY
 76.2%
-3.6% YoY
 79.1%
-3.3% YoY
 26th in tier
Delinquency Rate 0.6%
+39.0% YoY-4.9% QoQ
 -0.2 0.8%
+6.1% YoY
 0.9%
-6.6% YoY
 1.2%
-0.9% YoY
 41st in tier
Loan To Share 76.3%
-2.2% YoY+0.3% QoQ
 -8.9% 85.2%
-0.8% YoY
 76.2%
+0.8% YoY
 68.0%
-1.7% YoY
 Bottom 23.7% in tier
AMR $29,404
+1.0% YoY+0.6% QoQ
 +$232 $29,172
+2.8% YoY
 $25,038
+0.5% YoY
 $19,418
+1.3% YoY
 61st in tier
CD Concentration 25.3%
-9.1% YoY-4.9% QoQ
 -3.7% 29.0%
+0.8% YoY
 16.6%
+1.3% YoY
 19.6%
+6.2% YoY
 35th in tier
Indirect Auto % 38.4%
-5.8% YoY-0.2% QoQ
 +19.6% 18.8%
-2.8% YoY
 13.9%
-0.5% YoY
 7.9%
-2.9% YoY
 Top 13.7% in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth
#195 of 264 • Top 26.9% in tier

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

Why This Signature
AMR Growth (YoY): 0.96%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $3.3K
(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 | Rank worsening

Wallet Share Momentum

growth
#250 of 264 • Top 34.5% in tier

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

Why This Signature
AMR Growth (YoY): 0.96%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Concerns (2)

Indirect Auto Dependency

risk
#56 of 202 • Bottom 8.9% in tier

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

Why This Signature
Asset Growth (YoY): 2.82%
(Tier: 5.36%, National: 3.04%)
worse than tier avg
Indirect Auto %: 38.42%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -0.15%
(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

Credit Quality Pressure

risk
#83 of 217 • Bottom 10.7% in tier

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

Why This Signature
Delinquency Change (YoY): 0.17% 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 | 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 (7 metrics)

5
Total Deposits
balance_sheet
Value: $2.53B
Peer Avg: $1.45B
#5 of 304 Top 1.3% in 1B-3B tier
9
Total Assets
balance_sheet
Value: $2.88B
Peer Avg: $1.72B
#9 of 304 Top 2.6% in 1B-3B tier
30
Total Loans
balance_sheet
Value: $1.93B
Peer Avg: $1.23B
#30 of 304 Top 9.5% in 1B-3B tier
37
Total Members
engagement
Value: 151,722
Peer Avg: 98,678
#37 of 304 Top 11.8% in 1B-3B tier
53
Fee Income Per Member
profitability
Value: $265.94
Peer Avg: $210.52
#53 of 304 Top 17.1% in 1B-3B tier
73
Return on Assets (ROA)
profitability
Value: 1.00%
Peer Avg: 0.70%
#73 of 304 Top 23.7% in 1B-3B tier
76
First Mortgage Concentration (%)
balance_sheet
Value: 23.06%
Peer Avg: 34.01%
#76 of 304 Top 24.7% in 1B-3B tier

Top Weaknesses (4 metrics)

265
Indirect Auto Concentration (%)
balance_sheet
Value: 38.42%
Peer Avg: 18.32%
#265 of 304 Bottom 13.2% in 1B-3B tier
235
Loan Growth Rate
growth
Value: -0.47%
Peer Avg: 5.27%
#235 of 304 Bottom 23.0% in 1B-3B tier
232
Loan-to-Share Ratio
balance_sheet
Value: 76.33%
Peer Avg: 85.19%
#232 of 304 Bottom 24.0% in 1B-3B tier
229
Deposit Growth Rate
growth
Value: 1.80%
Peer Avg: 5.58%
#229 of 304 Bottom 25.0% in 1B-3B tier