CHRISTIAN FINANCIAL

Charter #63805 | MI

1B-3B (304 CUs) Mid-Market (380 CUs)
19 1B-3B in MI

CHRISTIAN FINANCIAL has 11 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 3.1% in tier
  • + Wallet Share Momentum: Top 3.5% in tier
  • + Organic Growth Engine: Top 7.5% in tier
  • + Emerging Performer: Top 7.6% in tier
  • + Relationship Depth Leader: Top 13.0% in tier
  • + Strong member growth: 10.4% YoY
  • + Asset Growth Rate: Top 1.0% in tier
  • + Deposit Growth Rate: Top 1.6% in tier
  • + Loan Growth Rate: Top 3.6% in tier
  • + Member Growth Rate: Top 4.9% in tier
  • + AMR Growth Rate: Top 7.2% in tier

Key Concerns

Areas that may need attention

  • - Growth-at-Risk: Bottom 9.0% in tier
  • - Credit Quality Pressure: Bottom 21.8% in tier
  • - Efficiency Drag: Bottom 23.7% in tier
  • - ROA 0.11% below tier average
  • - Efficiency ratio 9.40% above tier (higher cost structure)
  • - Total Assets: Bottom 7.6% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Members 61,822
+10.4% YoY+11.7% QoQ
 -36.9K 98,678
-1.9% YoY
 35,456
+8.6% YoY
 33,089
+6.1% YoY
 Bottom 15.8% in tier
Assets $1.1B
+21.3% YoY+13.8% QoQ
 $-656.7M $1.7B
+0.5% YoY
 $650.8M
+12.6% YoY
 $547.7M
+7.8% YoY
 Bottom 7.2% in tier
Loans $779.1M
+21.9% YoY+11.8% QoQ
 $-454.0M $1.2B
+0.5% YoY
 $461.6M
+14.9% YoY
 $388.7M
+8.6% YoY
 Bottom 13.8% in tier
Deposits $927.5M
+21.9% YoY+13.7% QoQ
 $-526.9M $1.5B
+1.3% YoY
 $550.3M
+12.5% YoY
 $464.6M
+9.3% YoY
 Bottom 10.9% in tier
ROA 0.6%
-30.3% YoY-2.1% QoQ
 -0.1% 0.7%
+13.4% YoY
 0.8%
-27.1% YoY
 0.7%
+273.4% YoY
 42nd in tier
NIM 2.8%
-0.1% YoY+0.6% QoQ
 -0.5% 3.3%
+9.3% YoY
 3.7%
+8.5% YoY
 3.7%
+5.0% YoY
 Bottom 20.4% in tier
Efficiency Ratio 83.4%
+4.3% YoY-0.9% QoQ
 +9.4% 74.0%
-10.9% YoY
 76.1%
-1.3% YoY
 79.1%
-3.3% YoY
 Top 13.2% in tier
Delinquency Rate 0.3%
+19.1% YoY-10.8% QoQ
 -0.5 0.8%
+6.1% YoY
 0.9%
-19.7% YoY
 1.2%
-0.9% YoY
 Bottom 12.2% in tier
Loan To Share 84.0%
+0.0% YoY-1.7% QoQ
 -1.2% 85.2%
-0.8% YoY
 68.1%
+0.3% YoY
 68.0%
-1.7% YoY
 38th in tier
AMR $27,604
+10.4% YoY+1.0% QoQ
 $-2K $29,172
+2.8% YoY
 $22,054
+2.5% YoY
 $19,418
+1.3% YoY
 50th in tier
CD Concentration 30.7%
+5.7% YoY-2.1% QoQ
 +1.7% 29.0%
+0.8% YoY
 18.6%
+6.0% YoY
 19.6%
+6.2% YoY
 61st in tier
Indirect Auto % 8.7%
+6.5% YoY+4.7% QoQ
 -10.1% 18.8%
-2.8% YoY
 11.9%
-2.7% YoY
 7.9%
-2.9% YoY
 32nd in tier

Signature Analysis

Strengths (5)

Organic Growth Leader

growth
#13 of 138 • Top 3.1% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 10.37%
(Tier: 3.18%, National: 9.37%)
better than tier avg
138 of 380 Mid-Market CUs have this signature | 608 nationally
↑ Growing +11 CUs YoY | New qualifier

Wallet Share Momentum

growth
#26 of 264 • Top 3.5% in tier

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

Why This Signature
AMR Growth (YoY): 10.44%
(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 | Rank improving

Organic Growth Engine

growth
#55 of 246 • Top 7.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 10.37%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 0.60%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 8.74%
(Tier: 18.80%, National: 7.90%)
better than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | New qualifier

Emerging Performer

growth
#41 of 184 • Top 7.6% in tier

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

Why This Signature
Return on Assets: 0.60%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): 10.37%
(Tier: 3.18%, National: 9.37%)
better than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | New qualifier

Relationship Depth Leader

growth
#95 of 264 • Top 13.0% in tier

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

Why This Signature
AMR Growth (YoY): 10.44%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.3K
(Tier: $3.1K, National: $2.0K)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank improving

Concerns (3)

Growth-at-Risk

risk
#51 of 161 • Bottom 9.0% in tier

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

Why This Signature
Loan Growth (YoY): 21.89%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.05% points
(Tier: 0.07% points, National: 0.07% points)
but better than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 CUs YoY | New qualifier

Credit Quality Pressure

risk
#168 of 217 • Bottom 21.8% in tier

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

Why This Signature
Delinquency Change (YoY): 0.05% points
(Tier: 0.07% points, National: 0.07% points)
but better than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | New qualifier

Efficiency Drag

risk
#79 of 96 • Bottom 23.7% in tier

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

Why This Signature
Efficiency Ratio: 83.37%
(Tier: 73.45%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.26% points
(Tier: 0.07% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): 10.37%
(Tier: 3.18%, National: 9.37%)
but better than tier avg
96 of 380 Mid-Market CUs have this signature | 624 nationally
↓ Shrinking -32 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)

4
Asset Growth Rate
growth
Value: 21.31%
Peer Avg: 4.83%
#4 of 304 Top 1.0% in 1B-3B tier
6
Deposit Growth Rate
growth
Value: 21.89%
Peer Avg: 5.58%
#6 of 304 Top 1.6% in 1B-3B tier
12
Loan Growth Rate
growth
Value: 21.89%
Peer Avg: 5.27%
#12 of 304 Top 3.6% in 1B-3B tier
16
Member Growth Rate
growth
Value: 10.37%
Peer Avg: 2.20%
#16 of 304 Top 4.9% in 1B-3B tier
23
AMR Growth Rate
growth
Value: 10.44%
Peer Avg: 3.29%
#23 of 304 Top 7.2% in 1B-3B tier
38
Total Delinquency Rate (60+ days)
risk
Value: 0.29%
Peer Avg: 0.83%
#38 of 304 Top 12.2% in 1B-3B tier
44
Net Charge-Off Rate
risk
Value: 0.20%
Peer Avg: 0.60%
#44 of 304 Top 14.1% in 1B-3B tier

Top Weaknesses (6 metrics)

282
Total Assets
balance_sheet
Value: $1.06B
Peer Avg: $1.72B
#282 of 304 Bottom 7.6% in 1B-3B tier
271
Total Deposits
balance_sheet
Value: $927.46M
Peer Avg: $1.45B
#271 of 304 Bottom 11.2% in 1B-3B tier
265
Efficiency Ratio
profitability
Value: 83.37%
Peer Avg: 73.97%
#265 of 304 Bottom 13.2% in 1B-3B tier
262
Total Loans
balance_sheet
Value: $779.05M
Peer Avg: $1.23B
#262 of 304 Bottom 14.1% in 1B-3B tier
256
Total Members
engagement
Value: 61,822
Peer Avg: 98,678
#256 of 304 Bottom 16.1% in 1B-3B tier
242
Net Interest Margin (NIM)
profitability
Value: 2.78%
Peer Avg: 3.26%
#242 of 304 Bottom 20.7% in 1B-3B tier