UNIVERSITY

Charter #64171 | CA

1B-3B (304 CUs) Mid-Market (380 CUs)
40 1B-3B in CA

UNIVERSITY has 4 strengths but faces 12 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 11.0% in tier
  • + Strong member growth: 5.3% YoY
  • + Share Certificate Concentration (%): Top 1.6% in tier
  • + Members Per Employee (MPE): Top 7.6% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 3.5% in tier
  • - Shrinking Wallet Share: Bottom 8.9% in tier
  • - Wealth Migration Risk: Bottom 15.2% in tier
  • - Liquidity Strain: Bottom 15.8% in tier
  • - Growth-at-Risk: Bottom 18.3% in tier
  • - Efficiency Drag: Bottom 22.5% in tier
  • - ROA 0.72% below tier average
  • - Efficiency ratio 10.29% above tier (higher cost structure)
  • - Delinquency rate 0.76% above tier average
  • - AMR Growth Rate: Bottom 7.2% in tier
  • - Net Worth Ratio: Bottom 8.9% in tier
  • - Total Delinquency Rate (60+ days): Bottom 9.5% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 58,940
+5.3% YoY+2.2% QoQ
 -39.7K 98,678
-1.9% YoY
 59,606
+5.7% YoY
 33,089
+6.1% YoY
 Bottom 13.2% in tier
Assets $1.1B
+1.0% YoY-0.4% QoQ
 $-574.1M $1.7B
+0.5% YoY
 $1.2B
+6.2% YoY
 $547.7M
+7.8% YoY
 Bottom 16.8% in tier
Loans $988.1M
+0.5% YoY+1.3% QoQ
 $-245.0M $1.2B
+0.5% YoY
 $845.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 37th in tier
Deposits $970.1M
+0.9% YoY-0.8% QoQ
 $-484.2M $1.5B
+1.3% YoY
 $1.0B
+8.8% YoY
 $464.6M
+9.3% YoY
 Bottom 16.1% in tier
ROA -0.0%
-102.9% YoY-81.8% QoQ
 -0.7% 0.7%
+13.4% YoY
 0.6%
+30.0% YoY
 0.7%
+273.4% YoY
 Bottom 2.6% in tier
NIM 3.1%
+5.0% YoY+1.8% QoQ
 -0.1% 3.3%
+9.3% YoY
 3.3%
+6.5% YoY
 3.7%
+5.0% YoY
 38th in tier
Efficiency Ratio 84.3%
+12.6% YoY-4.6% QoQ
 +10.3% 74.0%
-10.9% YoY
 79.3%
-6.2% YoY
 79.1%
-3.3% YoY
 Top 10.2% in tier
Delinquency Rate 1.6%
+36.3% YoY+4.1% QoQ
 +0.8 0.8%
+6.1% YoY
 0.7%
-38.7% YoY
 1.2%
-0.9% YoY
 Top 9.5% in tier
Loan To Share 101.9%
-0.4% YoY+2.0% QoQ
 +16.7% 85.2%
-0.8% YoY
 68.8%
-1.5% YoY
 68.0%
-1.7% YoY
 Top 11.2% in tier
AMR $33,223
-4.4% YoY-1.9% QoQ
 +$4K $29,172
+2.8% YoY
 $28,514
+2.8% YoY
 $19,418
+1.3% YoY
 Top 21.4% in tier
CD Concentration 10.0%
-28.0% YoY-3.0% QoQ
 -18.9% 29.0%
+0.8% YoY
 21.7%
+4.2% YoY
 19.6%
+6.2% YoY
 Bottom 1.8% in tier
Indirect Auto % 1.5%
+253.7% YoY+60.7% QoQ
 -17.3% 18.8%
-2.8% YoY
 9.5%
-6.9% YoY
 7.9%
-2.9% YoY
 Bottom 18.7% in tier

Signature Analysis

Strengths (1)

Organic Growth Leader

growth
#44 of 138 • Top 11.0% in tier

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

Why This Signature
Member Growth (YoY): 5.35%
(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 | Rank worsening

Concerns (6)

Credit Quality Pressure

risk
#28 of 217 • Bottom 3.5% in tier

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

Why This Signature
Delinquency Change (YoY): 0.42% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank improving

Shrinking Wallet Share

decline
#28 of 83 • Bottom 8.9% in tier

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

Why This Signature
AMR Growth (YoY): -4.40%
(Tier: 3.04%, National: 4.19%)
worse than tier avg
83 of 380 Mid-Market CUs have this signature | 346 nationally
↓ Shrinking -55 CUs YoY | Rank worsening

Wealth Migration Risk

decline
#8 of 10 • Bottom 15.2% in tier

High-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.

Why This Signature
Avg Member Relationship: $33.2K
(Tier: $29.2K, National: $19.4K)
but better than tier avg
AMR Growth (YoY): -4.40%
(Tier: 3.04%, National: 4.19%)
worse than tier avg
Total Assets: $1.15B
(Tier: $1.72B, National: $547.69M)
worse than tier avg
10 of 380 Mid-Market CUs have this signature | 39 nationally
↓ Shrinking -11 CUs YoY

Liquidity Strain

risk
#84 of 183 • Bottom 15.8% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 101.86%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 0.52%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY | Rank worsening

Growth-at-Risk

risk
#103 of 161 • Bottom 18.3% in tier

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

Why This Signature
Loan Growth (YoY): 0.52%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 0.42% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 CUs YoY | New qualifier

Efficiency Drag

risk
#75 of 96 • Bottom 22.5% in tier

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

Why This Signature
Efficiency Ratio: 84.27%
(Tier: 73.45%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.69% points
(Tier: 0.07% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): 5.35%
(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)

6
Share Certificate Concentration (%)
balance_sheet
Value: 10.04%
Peer Avg: 28.53%
#6 of 304 Top 1.6% in 1B-3B tier
24
Members Per Employee (MPE)
engagement
Value: 475.323
Peer Avg: 364.953
#24 of 304 Top 7.6% in 1B-3B tier
34
Loan-to-Share Ratio
balance_sheet
Value: 101.86%
Peer Avg: 85.19%
#34 of 304 Top 10.9% in 1B-3B tier
43
Loan-to-Member Ratio (LMR)
engagement
Value: $16,764
Peer Avg: $13,213
#43 of 304 Top 13.8% in 1B-3B tier
53
Member Growth Rate
growth
Value: 5.35%
Peer Avg: 2.20%
#53 of 304 Top 17.1% in 1B-3B tier
63
Indirect Auto Concentration (%)
balance_sheet
Value: 1.47%
Peer Avg: 18.32%
#63 of 304 Top 20.4% in 1B-3B tier
65
Average Member Relationship (AMR)
engagement
Value: $33,223
Peer Avg: $29,172
#65 of 304 Top 21.1% in 1B-3B tier

Top Weaknesses (11 metrics)

296
Return on Assets (ROA)
profitability
Value: -0.02%
Peer Avg: 0.70%
#296 of 304 Bottom 3.0% in 1B-3B tier
283
AMR Growth Rate
growth
Value: -4.40%
Peer Avg: 3.29%
#283 of 304 Bottom 7.2% in 1B-3B tier
278
Net Worth Ratio
risk
Value: 8.89%
Peer Avg: 11.44%
#278 of 304 Bottom 8.9% in 1B-3B tier
276
Total Delinquency Rate (60+ days)
risk
Value: 1.58%
Peer Avg: 0.83%
#276 of 304 Bottom 9.5% in 1B-3B tier
274
Efficiency Ratio
profitability
Value: 84.27%
Peer Avg: 73.97%
#274 of 304 Bottom 10.2% in 1B-3B tier
264
Fee Income Per Member
profitability
Value: $138.73
Peer Avg: $210.52
#264 of 304 Bottom 13.5% in 1B-3B tier
264
Total Members
engagement
Value: 58,940
Peer Avg: 98,678
#264 of 304 Bottom 13.5% in 1B-3B tier
255
Total Deposits
balance_sheet
Value: $970.09M
Peer Avg: $1.45B
#255 of 304 Bottom 16.4% in 1B-3B tier
253
Total Assets
balance_sheet
Value: $1.15B
Peer Avg: $1.72B
#253 of 304 Bottom 17.1% in 1B-3B tier
249
First Mortgage Concentration (%)
balance_sheet
Value: 46.70%
Peer Avg: 34.01%
#249 of 304 Bottom 18.4% in 1B-3B tier