ADVANTAGE

Charter #64030 | IA

100M-500M (1077 CUs) Micro
17 100M-500M in IA

ADVANTAGE has 4 strengths but faces 12 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 8.0% in tier
  • + ROA 1.01% above tier average
  • + Net Interest Margin 1.77% above tier average
  • + Efficiency Ratio: Top 5.8% in tier

Key Concerns

Areas that may need attention

  • - Shrinking Wallet Share: Bottom 1.4% in tier
  • - Deposit Outflow: Bottom 6.6% in tier
  • - Liquidity Overhang: Bottom 15.5% in tier
  • - Delinquency rate 1.83% above tier average
  • - Loan Growth Rate: Bottom 0.6% in tier
  • - Deposit Growth Rate: Bottom 0.6% in tier
  • - Asset Growth Rate: Bottom 0.9% in tier
  • - AMR Growth Rate: Bottom 1.2% in tier
  • - Total Deposits: Bottom 1.9% in tier
  • - Total Assets: Bottom 2.0% in tier
  • - Total Delinquency Rate (60+ days): Bottom 3.1% in tier
  • - Net Charge-Off Rate: Bottom 8.0% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Members 7,198
-0.4% YoY-0.7% QoQ
 -8.4K 15,628
-3.4% YoY
 24,664
+0.3% YoY
 33,089
+6.1% YoY
 Bottom 11.4% in tier
Assets $103.2M
-9.3% YoY-1.2% QoQ
 $-128.1M $231.3M
-0.0% YoY
 $515.3M
+7.1% YoY
 $547.7M
+7.8% YoY
 Bottom 1.9% in tier
Loans $66.3M
-17.2% YoY-4.8% QoQ
 $-81.4M $147.8M
-1.4% YoY
 $418.6M
+8.3% YoY
 $388.7M
+8.6% YoY
 Bottom 13.0% in tier
Deposits $87.7M
-11.0% YoY-2.1% QoQ
 $-112.6M $200.3M
-0.0% YoY
 $421.4M
+6.5% YoY
 $464.6M
+9.3% YoY
 Bottom 1.9% in tier
ROA 1.8%
-336.4% YoY+6.4% QoQ
 +1.0% 0.8%
+15.5% YoY
 1.0%
+0.3% YoY
 0.7%
+273.4% YoY
 Top 5.7% in tier
NIM 5.4%
+4.9% YoY+0.6% QoQ
 +1.8% 3.6%
+6.9% YoY
 3.8%
+3.9% YoY
 3.7%
+5.0% YoY
 Top 1.4% in tier
Efficiency Ratio 57.8%
-6.9% YoY-0.0% QoQ
 -19.5% 77.3%
-3.0% YoY
 72.0%
+0.4% YoY
 79.1%
-3.3% YoY
 Bottom 5.8% in tier
Delinquency Rate 2.7%
-46.8% YoY-25.6% QoQ
 +1.8 0.9%
+7.6% YoY
 1.2%
-5.8% YoY
 1.2%
-0.9% YoY
 Top 3.1% in tier
Loan To Share 75.6%
-7.0% YoY-2.7% QoQ
 +2.9% 72.7%
-1.5% YoY
 77.1%
-1.2% YoY
 68.0%
-1.7% YoY
 53rd in tier
AMR $21,405
-13.4% YoY-2.6% QoQ
 $-3K $24,363
+2.9% YoY
 $20,702
+4.3% YoY
 $19,418
+1.3% YoY
 44th in tier
CD Concentration 12.2%
-42.7% YoY+10.5% QoQ
 -12.2% 24.4%
+4.2% YoY
 22.0%
+1.0% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 13.7%
-36.9% YoY-11.8% QoQ
 -0.2% 14.0%
-5.8% YoY
 9.3%
-2.2% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (1)

Emerging Performer

growth
#151 of 627 • Top 8.0% in tier

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

Why This Signature
Return on Assets: 1.79%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): -0.43%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | New qualifier

Concerns (3)

Shrinking Wallet Share

decline
#15 of 244 • Bottom 1.4% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -13.41%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 1077 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY | Rank improving

Deposit Outflow

decline
#40 of 114 • Bottom 6.6% in tier

Members staying but deposits leaving. They're losing to higher-yield competitors - rate pressure is real.

Why This Signature
Deposit Growth (YoY): -10.99%
(Tier: 4.79%, National: 12.00%)
worse than tier avg
Total Assets: $103.15M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
114 of 1077 Community CUs have this signature | 143 nationally
↓ Shrinking -169 CUs YoY | Rank improving

Liquidity Overhang

risk
#240 of 552 • Bottom 15.5% 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: 14.63%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 75.64%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank improving

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 1077 peers in tier

Top Strengths (5 metrics)

15
Net Interest Margin (NIM)
profitability
Value: 5.36%
Peer Avg: 3.58%
#15 of 1077 Top 1.3% in 100M-500M tier
61
Return on Assets (ROA)
profitability
Value: 1.79%
Peer Avg: 0.79%
#61 of 1077 Top 5.6% in 100M-500M tier
64
Efficiency Ratio
profitability
Value: 57.77%
Peer Avg: 77.28%
#64 of 1077 Top 5.8% in 100M-500M tier
166
Share Certificate Concentration (%)
balance_sheet
Value: 12.17%
Peer Avg: 23.61%
#166 of 1077 Top 15.3% in 100M-500M tier
186
Net Worth Ratio
risk
Value: 14.63%
Peer Avg: 12.15%
#186 of 1077 Top 17.2% in 100M-500M tier

Top Weaknesses (10 metrics)

1071
Loan Growth Rate
growth
Value: -17.22%
Peer Avg: 3.45%
#1071 of 1077 Bottom 0.6% in 100M-500M tier
1071
Deposit Growth Rate
growth
Value: -10.99%
Peer Avg: 4.69%
#1071 of 1077 Bottom 0.6% in 100M-500M tier
1068
Asset Growth Rate
growth
Value: -9.34%
Peer Avg: 4.70%
#1068 of 1077 Bottom 0.9% in 100M-500M tier
1065
AMR Growth Rate
growth
Value: -13.41%
Peer Avg: 3.64%
#1065 of 1077 Bottom 1.2% in 100M-500M tier
1057
Total Deposits
balance_sheet
Value: $87.72M
Peer Avg: $200.29M
#1057 of 1077 Bottom 1.9% in 100M-500M tier
1056
Total Assets
balance_sheet
Value: $103.15M
Peer Avg: $231.30M
#1056 of 1077 Bottom 2.0% in 100M-500M tier
1045
Total Delinquency Rate (60+ days)
risk
Value: 2.69%
Peer Avg: 0.86%
#1045 of 1077 Bottom 3.1% in 100M-500M tier
992
Net Charge-Off Rate
risk
Value: 1.10%
Peer Avg: 0.47%
#992 of 1077 Bottom 8.0% in 100M-500M tier
954
Total Members
engagement
Value: 7,198
Peer Avg: 15,628
#954 of 1077 Bottom 11.5% in 100M-500M tier
937
Total Loans
balance_sheet
Value: $66.35M
Peer Avg: $147.80M
#937 of 1077 Bottom 13.1% in 100M-500M tier