CORDA

Charter #63602 | IA

500M-750M (169 CUs) Community (281 CUs)
3 500M-750M in IA

CORDA has 7 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 5.5% in tier
  • + Wallet Share Momentum: Top 19.4% in tier
  • + Net Interest Margin 0.06% above tier average
  • + Loan-to-Share Ratio: Top 0.6% in tier
  • + Loan-to-Member Ratio (LMR): Top 1.8% in tier
  • + Total Loans: Top 1.8% in tier
  • + Average Member Relationship (AMR): Top 3.0% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 3.5% in tier
  • - Efficiency Drag: Bottom 12.4% in tier
  • - Indirect Auto Dependency: Bottom 20.5% in tier
  • - Growth-at-Risk: Bottom 23.9% in tier
  • - Credit Quality Pressure: Bottom 25.3% in tier
  • - ROA 1.04% below tier average
  • - Efficiency ratio 17.50% above tier (higher cost structure)
  • - Total Members: Bottom 9.5% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Members 26,343
+1.9% YoY+2.2% QoQ
 -13.4K 39,752
-2.7% YoY
 24,664
+0.3% YoY
 33,089
+6.1% YoY
 Bottom 8.9% in tier
Assets $724.0M
+4.6% YoY+0.4% QoQ
 +$101.6M $622.4M
+0.3% YoY
 $515.3M
+7.1% YoY
 $547.7M
+7.8% YoY
 Top 10.7% in tier
Loans $619.1M
+5.7% YoY+0.4% QoQ
 +$183.2M $435.9M
-0.4% YoY
 $418.6M
+8.3% YoY
 $388.7M
+8.6% YoY
 Top 2.4% in tier
Deposits $559.6M
+7.2% YoY-0.3% QoQ
 +$21.6M $538.0M
+1.3% YoY
 $421.4M
+6.5% YoY
 $464.6M
+9.3% YoY
 64th in tier
ROA -0.4%
-151.8% YoY-187.1% QoQ
 -1.0% 0.7%
+33.9% YoY
 1.0%
+0.3% YoY
 0.7%
+273.4% YoY
 Bottom 1.8% in tier
NIM 3.5%
+13.2% YoY+0.9% QoQ
 +0.1% 3.4%
+8.6% YoY
 3.8%
+3.9% YoY
 3.7%
+5.0% YoY
 55th in tier
Efficiency Ratio 95.6%
+32.7% YoY+27.9% QoQ
 +17.5% 78.1%
-3.4% YoY
 72.0%
+0.4% YoY
 79.1%
-3.3% YoY
 Top 2.4% in tier
Delinquency Rate 0.8%
+5.5% YoY+0.0% QoQ
 -0.0 0.8%
-4.9% YoY
 1.2%
-5.8% YoY
 1.2%
-0.9% YoY
 58th in tier
Loan To Share 110.6%
-1.4% YoY+0.7% QoQ
 +29.6% 81.0%
-1.8% YoY
 77.1%
-1.2% YoY
 68.0%
-1.7% YoY
 Top 1.2% in tier
AMR $44,747
+4.4% YoY-2.1% QoQ
 +$18K $26,482
+2.6% YoY
 $20,702
+4.3% YoY
 $19,418
+1.3% YoY
 Top 3.6% in tier
CD Concentration 31.9%
+2.7% YoY+1.8% QoQ
 +7.5% 24.4%
+4.2% YoY
 22.0%
+1.0% YoY
 19.6%
+6.2% YoY
 Top 24.2% in tier
Indirect Auto % 25.0%
+7.1% YoY+0.8% QoQ
 +11.1% 14.0%
-5.8% YoY
 9.3%
-2.2% YoY
 7.9%
-2.9% YoY
 Top 22.5% in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth
#154 of 1006 • Top 5.5% in tier

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

Why This Signature
AMR Growth (YoY): 4.41%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $5.4K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#535 of 1006 • Top 19.4% in tier

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

Why This Signature
AMR Growth (YoY): 4.41%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Concerns (5)

Liquidity Strain

risk
#28 of 258 • Bottom 3.5% in tier

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

Why This Signature
Loan-to-Share Ratio: 110.63%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 5.72%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
258 of 281 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | Rank worsening

Efficiency Drag

risk
#219 of 521 • Bottom 12.4% in tier

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

Why This Signature
Efficiency Ratio: 95.60%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -1.12% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): 1.94%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
521 of 281 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#331 of 525 • Bottom 20.5% in tier

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

Why This Signature
Asset Growth (YoY): 4.59%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 25.02%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 1.94%
(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 improving

Growth-at-Risk

risk
#359 of 446 • Bottom 23.9% in tier

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

Why This Signature
Loan Growth (YoY): 5.72%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.04% points
(Tier: 0.04% points, National: 0.07% points)
but better than tier avg
446 of 281 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | Rank worsening

Credit Quality Pressure

risk
#626 of 736 • Bottom 25.3% in tier

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

Why This Signature
Delinquency Change (YoY): 0.04% points
(Tier: 0.04% points, National: 0.07% points)
but better than tier avg
736 of 281 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 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 (5 metrics)

2
Loan-to-Share Ratio
balance_sheet
Value: 110.63%
Peer Avg: 81.02%
#2 of 169 Top 0.6% in 500M-750M tier
4
Loan-to-Member Ratio (LMR)
engagement
Value: $23,503
Peer Avg: $11,805
#4 of 169 Top 1.8% in 500M-750M tier
4
Total Loans
balance_sheet
Value: $619.14M
Peer Avg: $435.95M
#4 of 169 Top 1.8% in 500M-750M tier
6
Average Member Relationship (AMR)
engagement
Value: $44,747
Peer Avg: $26,482
#6 of 169 Top 3.0% in 500M-750M tier
18
Total Assets
balance_sheet
Value: $724.00M
Peer Avg: $622.38M
#18 of 169 Top 10.1% in 500M-750M tier

Top Weaknesses (4 metrics)

166
Return on Assets (ROA)
profitability
Value: -0.38%
Peer Avg: 0.66%
#166 of 169 Bottom 2.4% in 500M-750M tier
166
Efficiency Ratio
profitability
Value: 95.60%
Peer Avg: 78.10%
#166 of 169 Bottom 2.4% in 500M-750M tier
154
Total Members
engagement
Value: 26,343
Peer Avg: 39,752
#154 of 169 Bottom 9.5% in 500M-750M tier
152
Members Per Employee (MPE)
engagement
Value: 239.482
Peer Avg: 338.010
#152 of 169 Bottom 10.7% in 500M-750M tier