MARION AND POLK SCHOOLS
Charter #64166 | OR
MARION AND POLK SCHOOLS has 8 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 5.7% in tier
- + Relationship Depth Leader: Top 9.1% in tier
- + Organic Growth Engine: Top 15.6% in tier
- + Wallet Share Momentum: Top 21.9% in tier
- + ROA 0.32% above tier average
- + Net Interest Margin 0.41% above tier average
- + Share Certificate Concentration (%): Top 0.3% in tier
- + Fee Income Per Member: Top 3.0% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 15.7% in tier
- - Growth-at-Risk: Bottom 17.1% in tier
- - Indirect Auto Dependency: Bottom 20.3% in tier
- - Liquidity Strain: Bottom 22.0% in tier
- - Efficiency ratio 2.28% above tier (higher cost structure)
- - Members Per Employee (MPE): Bottom 3.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
81,369
+3.0% YoY+0.8% QoQ
|
-17.3K |
98,678
-1.9% YoY
|
48,799
+9.4% YoY
|
33,089
+6.1% YoY
|
42nd in tier |
| Assets |
$1.5B
+6.7% YoY+1.3% QoQ
|
$-231.8M |
$1.7B
+0.5% YoY
|
$801.2M
+7.5% YoY
|
$547.7M
+7.8% YoY
|
47th in tier |
| Loans |
$1.2B
+6.7% YoY+1.3% QoQ
|
$-21.8M |
$1.2B
+0.5% YoY
|
$546.0M
+10.9% YoY
|
$388.7M
+8.6% YoY
|
60th in tier |
| Deposits |
$1.3B
+6.9% YoY+1.1% QoQ
|
$-163.0M |
$1.5B
+1.3% YoY
|
$683.7M
+7.5% YoY
|
$464.6M
+9.3% YoY
|
49th in tier |
| ROA |
1.0%
-7.7% YoY+9.5% QoQ
|
+0.3% |
0.7%
+13.4% YoY
|
0.7%
+15.2% YoY
|
0.7%
+273.4% YoY
|
Top 20.4% in tier |
| NIM |
3.7%
+5.3% YoY+0.4% QoQ
|
+0.4% |
3.3%
+9.3% YoY
|
3.9%
+7.2% YoY
|
3.7%
+5.0% YoY
|
Top 22.4% in tier |
| Efficiency Ratio |
76.2%
+0.5% YoY-1.1% QoQ
|
+2.3% |
74.0%
-10.9% YoY
|
76.2%
-3.6% YoY
|
79.1%
-3.3% YoY
|
59th in tier |
| Delinquency Rate |
0.6%
+22.5% YoY+18.1% QoQ
|
-0.2 |
0.8%
+6.1% YoY
|
0.9%
-6.6% YoY
|
1.2%
-0.9% YoY
|
42nd in tier |
| Loan To Share |
93.8%
-0.1% YoY+0.2% QoQ
|
+8.6% |
85.2%
-0.8% YoY
|
76.2%
+0.8% YoY
|
68.0%
-1.7% YoY
|
69th in tier |
| AMR |
$30,756
+3.7% YoY+0.4% QoQ
|
+$2K |
$29,172
+2.8% YoY
|
$25,038
+0.5% YoY
|
$19,418
+1.3% YoY
|
67th in tier |
| CD Concentration |
0.7%
-38.1% YoY-11.6% QoQ
|
-28.3% |
29.0%
+0.8% YoY
|
16.6%
+1.3% YoY
|
19.6%
+6.2% YoY
|
Bottom 0.3% in tier |
| Indirect Auto % |
20.6%
-0.8% YoY-0.1% QoQ
|
+1.8% |
18.8%
-2.8% YoY
|
13.9%
-0.5% YoY
|
7.9%
-2.9% YoY
|
60th in tier |
Signature Analysis
Strengths (4)
Emerging Performer
growthProfitable credit union with positive returns. May represent growth potential worth exploring.
Relationship Depth Leader
growthAverage member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing year-over-year. Members are deepening their engagement.
Concerns (4)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Growth-at-Risk
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)