ATCHISON VILLAGE
Charter #63630 | CA
<100M
(2596 CUs)
Micro
($0-$500M)
92 <100M in CA
ATCHISON VILLAGE has 5 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 3.74% above tier average
- + Net Interest Margin 0.95% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 1.2% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 4.39% above tier average
- - Net Charge-Off Rate: Bottom 3.0% in tier
- - Total Delinquency Rate (60+ days): Bottom 4.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,824
+2.4% YoY+1.5% QoQ
|
-801 |
2,625
-2.2% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
47th in tier |
| Assets |
$13.2M
+4.3% YoY+0.1% QoQ
|
$-16.6M |
$29.9M
+1.1% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
38th in tier |
| Loans |
$6.2M
-14.9% YoY-4.8% QoQ
|
$-9.6M |
$15.8M
-2.4% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
39th in tier |
| Deposits |
$11.5M
+1.0% YoY-1.0% QoQ
|
$-14.0M |
$25.5M
+0.4% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
40th in tier |
| ROA |
4.4%
+252.0% YoY-10.8% QoQ
|
+3.7% |
0.7%
-731.4% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
Top 0.9% in tier |
| NIM |
4.9%
-17.1% YoY-0.2% QoQ
|
+0.9% |
3.9%
+3.8% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
Top 16.8% in tier |
| Efficiency Ratio |
59.5%
-17.7% YoY+5.7% QoQ
|
-21.9% |
81.4%
-2.4% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 13.4% in tier |
| Delinquency Rate |
5.9%
-7.1% YoY-16.0% QoQ
|
+4.4 |
1.5%
-2.0% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
Top 4.8% in tier |
| Loan To Share |
53.7%
-15.7% YoY-3.9% QoQ
|
-7.5% |
61.2%
-3.0% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
38th in tier |
| AMR |
$9,659
-7.4% YoY-3.8% QoQ
|
$-5K |
$14,627
-2.7% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
27th in tier |
| CD Concentration |
15.5%
+1.9% YoY+4.4% QoQ
|
-8.9% |
24.4%
+4.2% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
24
Return on Assets (ROA)
profitability
Value:
4.42%
Peer Avg: 0.68%
#24 of 2596
Top 0.9% in <100M tier
33
Fee Income Per Member
profitability
Value:
$383.21
Peer Avg: $182.96
#33 of 2596
Top 1.2% in <100M tier
350
Efficiency Ratio
profitability
Value:
59.50%
Peer Avg: 81.39%
#350 of 2596
Top 13.4% in <100M tier
391
Member Growth Rate
growth
Value:
2.36%
Peer Avg: 14.92%
#391 of 2596
Top 15.0% in <100M tier
436
Net Interest Margin (NIM)
profitability
Value:
4.88%
Peer Avg: 3.93%
#436 of 2596
Top 16.8% in <100M tier
Top Weaknesses (4 metrics)
2519
Net Charge-Off Rate
risk
Value:
3.08%
Peer Avg: 0.57%
#2519 of 2596
Bottom 3.0% in <100M tier
2472
Total Delinquency Rate (60+ days)
risk
Value:
5.90%
Peer Avg: 1.51%
#2472 of 2596
Bottom 4.8% in <100M tier
2299
Loan Growth Rate
growth
Value:
-14.87%
Peer Avg: 59.01%
#2299 of 2596
Bottom 11.5% in <100M tier
2289
AMR Growth Rate
growth
Value:
-7.37%
Peer Avg: 4.67%
#2289 of 2596
Bottom 11.9% in <100M tier