COUNTY
Charter #64056 | MO
<100M
(2596 CUs)
Micro
($0-$500M)
60 <100M in MO
COUNTY has 1 strength but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.31% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.14% below tier average
- - Efficiency ratio 2.59% above tier (higher cost structure)
- - Indirect Auto Concentration (%): Bottom 8.3% in tier
- - Net Charge-Off Rate: Bottom 8.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,952
-0.9% YoY+0.2% QoQ
|
-673 |
2,625
-2.2% YoY
|
15,920
+4.0% YoY
|
33,089
+6.1% YoY
|
50th in tier |
| Assets |
$25.5M
-0.7% YoY+0.3% QoQ
|
$-4.3M |
$29.9M
+1.1% YoY
|
$210.9M
+9.4% YoY
|
$547.7M
+7.8% YoY
|
55th in tier |
| Loans |
$11.5M
-5.7% YoY-3.2% QoQ
|
$-4.3M |
$15.8M
-2.4% YoY
|
$147.8M
+9.0% YoY
|
$388.7M
+8.6% YoY
|
54th in tier |
| Deposits |
$22.1M
-0.3% YoY-0.1% QoQ
|
$-3.4M |
$25.5M
+0.4% YoY
|
$183.9M
+12.2% YoY
|
$464.6M
+9.3% YoY
|
56th in tier |
| ROA |
0.5%
-55.5% YoY+72.9% QoQ
|
-0.1% |
0.7%
-731.4% YoY
|
0.6%
+117.2% YoY
|
0.7%
+273.4% YoY
|
38th in tier |
| NIM |
5.2%
+16.0% YoY+6.9% QoQ
|
+1.3% |
3.9%
+3.8% YoY
|
3.8%
+3.2% YoY
|
3.7%
+5.0% YoY
|
Top 10.2% in tier |
| Efficiency Ratio |
84.0%
+6.5% YoY-4.4% QoQ
|
+2.6% |
81.4%
-2.4% YoY
|
78.5%
-6.5% YoY
|
79.1%
-3.3% YoY
|
64th in tier |
| Delinquency Rate |
1.0%
-0.2% YoY-53.6% QoQ
|
-0.5 |
1.5%
-2.0% YoY
|
1.2%
+9.9% YoY
|
1.2%
-0.9% YoY
|
62nd in tier |
| Loan To Share |
52.0%
-5.4% YoY-3.1% QoQ
|
-9.2% |
61.2%
-3.0% YoY
|
72.3%
-3.7% YoY
|
68.0%
-1.7% YoY
|
35th in tier |
| AMR |
$17,210
-1.4% YoY-1.4% QoQ
|
+$3K |
$14,627
-2.7% YoY
|
$16,810
+3.4% YoY
|
$19,418
+1.3% YoY
|
68th in tier |
| CD Concentration |
5.0%
+48.4% YoY+67.3% QoQ
|
-19.4% |
24.4%
+4.2% YoY
|
18.1%
+9.5% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % |
12.6%
-1.9% YoY+4.8% QoQ
|
-1.4% |
14.0%
-5.8% YoY
|
10.3%
-9.1% 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 (1 metrics)
264
Net Interest Margin (NIM)
profitability
Value:
5.24%
Peer Avg: 3.93%
#264 of 2596
Top 10.1% in <100M tier
Top Weaknesses (2 metrics)
2382
Indirect Auto Concentration (%)
balance_sheet
Value:
12.59%
Peer Avg: 2.84%
#2382 of 2596
Bottom 8.3% in <100M tier
2373
Net Charge-Off Rate
risk
Value:
1.51%
Peer Avg: 0.57%
#2373 of 2596
Bottom 8.6% in <100M tier