ADELFI
Charter #63837 | CA
500M-750M
(169 CUs)
Community
($500M-$1B)
(281 CUs)
10 500M-750M in CA
ADELFI has 5 strengths but faces 15 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Fee Income Per Member: Top 0.6% in tier
- + First Mortgage Concentration (%): Top 0.6% in tier
- + Average Member Relationship (AMR): Top 2.4% in tier
- + Loan-to-Member Ratio (LMR): Top 3.6% in tier
- + Net Worth Ratio: Top 5.3% in tier
Key Concerns
Areas that may need attention
- - Wealth Migration Risk: Bottom 0.0% in tier
- - Shrinking Wallet Share: Bottom 3.2% in tier
- - Accelerating Exit Risk: Bottom 5.0% in tier
- - Institutional Decline: Bottom 5.5% in tier
- - Deposit Outflow: Bottom 7.8% in tier
- - Stagnation Risk: Bottom 10.6% in tier
- - Liquidity Overhang: Bottom 13.6% in tier
- - Efficiency Drag: Bottom 16.6% in tier
- - Membership Headwinds: Bottom 19.8% in tier
- - ROA 0.10% below tier average
- - Efficiency ratio 11.37% above tier (higher cost structure)
- - Loan Growth Rate: Bottom 1.8% in tier
- - Members Per Employee (MPE): Bottom 1.8% in tier
- - Total Members: Bottom 1.8% in tier
- - AMR Growth Rate: Bottom 5.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
17,084
-2.0% YoY+6.4% QoQ
|
-22.7K |
39,752
-2.7% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
Bottom 1.2% in tier |
| Assets |
$581.3M
+3.2% YoY-0.2% QoQ
|
$-41.1M |
$622.4M
+0.3% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
36th in tier |
| Loans |
$357.7M
-18.4% YoY-6.6% QoQ
|
$-78.3M |
$435.9M
-0.4% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 17.2% in tier |
| Deposits |
$463.0M
-1.5% YoY-1.4% QoQ
|
$-75.0M |
$538.0M
+1.3% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
Bottom 13.0% in tier |
| ROA |
0.6%
-189.8% YoY-12.6% QoQ
|
-0.1% |
0.7%
+33.9% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
45th in tier |
| NIM |
3.0%
+1.5% YoY+3.6% QoQ
|
-0.4% |
3.4%
+8.6% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
Bottom 21.3% in tier |
| Efficiency Ratio |
89.5%
-3.3% YoY-2.6% QoQ
|
+11.4% |
78.1%
-3.4% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Top 11.8% in tier |
| Delinquency Rate |
0.4%
-62.5% YoY-15.9% QoQ
|
-0.4 |
0.8%
-4.9% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
26th in tier |
| Loan To Share |
77.3%
-17.1% YoY-5.2% QoQ
|
-3.8% |
81.0%
-1.8% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
31st in tier |
| AMR |
$48,039
-7.8% YoY-9.5% QoQ
|
+$22K |
$26,482
+2.6% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
Top 3.0% in tier |
| CD Concentration |
19.9%
+0.5% YoY+0.8% QoQ
|
-4.5% |
24.4%
+4.2% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
34th in tier |
| Indirect Auto % |
5.3%
-26.9% YoY-6.5% QoQ
|
-8.6% |
14.0%
-5.8% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
46th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (9)
Wealth Migration Risk
decline
#1 of 28 • Bottom 0.0% in tier
High-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.
Why This Signature
Avg Member Relationship:
$48.0K
(Tier: $25.0K, National: $19.4K)
AMR Growth (YoY):
-7.85%
(Tier:
3.68%, National:
4.19%)
Total Assets:
$581.33M
(Tier: $622.38M, National: $547.69M)
28 of 281 Community CUs have this signature
| 39 nationally
↓ Shrinking
-32 CUs YoY
Shrinking Wallet Share
decline
#33 of 244 • Bottom 3.2% in tier
Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Why This Signature
AMR Growth (YoY):
-7.85%
(Tier:
3.68%, National:
4.19%)
244 of 281 Community CUs have this signature
| 346 nationally
↓ Shrinking
-221 CUs YoY
Accelerating Exit Risk
decline
#14 of 58 • Bottom 5.0% in tier
Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Why This Signature
Member Growth (YoY):
-1.97%
(Tier:
0.88%, National:
9.37%)
AMR Growth (YoY):
-7.85%
(Tier:
3.68%, National:
4.19%)
58 of 281 Community CUs have this signature
| 73 nationally
↓ Shrinking
-89 CUs YoY
|
New qualifier
Institutional Decline
decline
#44 of 256 • Bottom 5.5% in tier
Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Why This Signature
Total Assets:
$581.33M
(Tier: $622.38M, National: $547.69M)
Member Growth (YoY):
-1.97%
(Tier:
0.88%, National:
9.37%)
Loan Growth (YoY):
-18.38%
(Tier:
3.64%, National:
36.38%)
256 of 281 Community CUs have this signature
| 293 nationally
↓ Shrinking
-43 CUs YoY
|
New qualifier
Deposit Outflow
decline
#47 of 114 • Bottom 7.8% in tier
Members staying but deposits leaving. They're losing to higher-yield competitors - rate pressure is real.
Why This Signature
Deposit Growth (YoY):
-1.54%
(Tier:
4.79%, National:
12.00%)
Total Assets:
$581.33M
(Tier: $622.38M, National: $547.69M)
114 of 281 Community CUs have this signature
| 143 nationally
↓ Shrinking
-169 CUs YoY
|
Rank improving
Stagnation Risk
risk
#176 of 550 • Bottom 10.6% 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:
0.56%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
-1.97%
(Tier:
0.88%, National:
9.37%)
Avg Member Relationship:
$48.0K
(Tier: $25.0K, National: $19.4K)
CD Concentration:
19.94%
(Tier:
24.41%, National:
19.60%)
550 of 281 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
New qualifier
Liquidity Overhang
risk
#211 of 552 • Bottom 13.6% in tier
Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
Why This Signature
Net Worth Ratio:
15.57%
(Tier:
11.95%, National:
14.51%)
Loan-to-Share Ratio:
77.25%
(Tier:
74.56%, National:
67.96%)
552 of 281 Community CUs have this signature
| 691 nationally
↑ Growing
+65 CUs YoY
|
Rank improving
Efficiency Drag
risk
#294 of 521 • Bottom 16.6% in tier
High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Why This Signature
Efficiency Ratio:
89.46%
(Tier:
77.15%, National:
79.10%)
ROA Change (YoY):
1.17% points
(Tier:
0.11% points, National:
0.05% points)
Member Growth (YoY):
-1.97%
(Tier:
0.88%, National:
9.37%)
521 of 281 Community CUs have this signature
| 624 nationally
↓ Shrinking
-113 CUs YoY
|
Rank improving
Membership Headwinds
decline
#327 of 550 • Bottom 19.8% in tier
Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Why This Signature
Member Growth (YoY):
-1.97%
(Tier:
0.88%, National:
9.37%)
550 of 281 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 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)
Top Strengths (6 metrics)
2
Fee Income Per Member
profitability
Value:
$400.71
Peer Avg: $199.27
#2 of 169
Top 0.6% in 500M-750M tier
2
First Mortgage Concentration (%)
balance_sheet
Value:
1.18%
Peer Avg: 33.53%
#2 of 169
Top 0.6% in 500M-750M tier
5
Average Member Relationship (AMR)
engagement
Value:
$48,039
Peer Avg: $26,482
#5 of 169
Top 2.4% in 500M-750M tier
7
Loan-to-Member Ratio (LMR)
engagement
Value:
$20,937
Peer Avg: $11,805
#7 of 169
Top 3.6% in 500M-750M tier
10
Net Worth Ratio
risk
Value:
15.57%
Peer Avg: 10.94%
#10 of 169
Top 5.3% in 500M-750M tier
38
Share Certificate Concentration (%)
balance_sheet
Value:
19.94%
Peer Avg: 26.87%
#38 of 169
Top 21.9% in 500M-750M tier
Top Weaknesses (10 metrics)
167
Loan Growth Rate
growth
Value:
-18.38%
Peer Avg: 4.04%
#167 of 169
Bottom 1.8% in 500M-750M tier
167
Members Per Employee (MPE)
engagement
Value:
198.651
Peer Avg: 338.010
#167 of 169
Bottom 1.8% in 500M-750M tier
167
Total Members
engagement
Value:
17,084
Peer Avg: 39,752
#167 of 169
Bottom 1.8% in 500M-750M tier
161
AMR Growth Rate
growth
Value:
-7.85%
Peer Avg: 3.12%
#161 of 169
Bottom 5.3% in 500M-750M tier
151
Deposit Growth Rate
growth
Value:
-1.54%
Peer Avg: 5.25%
#151 of 169
Bottom 11.2% in 500M-750M tier
150
Efficiency Ratio
profitability
Value:
89.46%
Peer Avg: 78.10%
#150 of 169
Bottom 11.8% in 500M-750M tier
147
Total Deposits
balance_sheet
Value:
$463.01M
Peer Avg: $538.02M
#147 of 169
Bottom 13.6% in 500M-750M tier
140
Total Loans
balance_sheet
Value:
$357.69M
Peer Avg: $435.95M
#140 of 169
Bottom 17.8% in 500M-750M tier
137
Member Growth Rate
growth
Value:
-1.97%
Peer Avg: 1.75%
#137 of 169
Bottom 19.5% in 500M-750M tier
133
Net Interest Margin (NIM)
profitability
Value:
2.99%
Peer Avg: 3.43%
#133 of 169
Bottom 21.9% in 500M-750M tier