TRAILHEAD

Charter #644 | OR

100M-500M (1077 CUs) Micro
18 100M-500M in OR

TRAILHEAD faces 14 concerns requiring attention

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 3.7% in tier
  • - Shrinking Wallet Share: Bottom 3.8% in tier
  • - Accelerating Exit Risk: Bottom 5.7% in tier
  • - Efficiency Drag: Bottom 8.8% in tier
  • - Wealth Migration Risk: Bottom 21.8% in tier
  • - Membership Headwinds: Bottom 22.6% in tier
  • - Institutional Decline: Bottom 24.1% in tier
  • - Stagnation Risk: Bottom 29.7% in tier
  • - ROA 1.19% below tier average
  • - Efficiency ratio 20.69% above tier (higher cost structure)
  • - Delinquency rate 0.63% above tier average
  • - Asset Growth Rate: Bottom 0.6% in tier
  • - Deposit Growth Rate: Bottom 0.9% in tier
  • - AMR Growth Rate: Bottom 2.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (OR) National Avg Tier Percentile
Members 8,603
-1.6% YoY-1.3% QoQ
 -7.0K 15,628
-3.4% YoY
 48,799
+9.4% YoY
 33,089
+6.1% YoY
 Bottom 20.1% in tier
Assets $152.6M
-10.1% YoY-3.3% QoQ
 $-78.7M $231.3M
-0.0% YoY
 $801.2M
+7.5% YoY
 $547.7M
+7.8% YoY
 32nd in tier
Loans $105.5M
-5.2% YoY-1.8% QoQ
 $-42.3M $147.8M
-1.4% YoY
 $546.0M
+10.9% YoY
 $388.7M
+8.6% YoY
 38th in tier
Deposits $138.8M
-10.9% YoY-3.9% QoQ
 $-61.5M $200.3M
-0.0% YoY
 $683.7M
+7.5% YoY
 $464.6M
+9.3% YoY
 35th in tier
ROA -0.4%
-363.4% YoY+47.2% QoQ
 -1.2% 0.8%
+15.5% YoY
 0.7%
+15.2% YoY
 0.7%
+273.4% YoY
 Bottom 2.5% in tier
NIM 3.4%
+6.8% YoY+4.2% QoQ
 -0.2% 3.6%
+6.9% YoY
 3.9%
+7.2% YoY
 3.7%
+5.0% YoY
 39th in tier
Efficiency Ratio 98.0%
+5.4% YoY-0.0% QoQ
 +20.7% 77.3%
-3.0% YoY
 76.2%
-3.6% YoY
 79.1%
-3.3% YoY
 Top 3.2% in tier
Delinquency Rate 1.5%
-16.6% YoY-10.0% QoQ
 +0.6 0.9%
+7.6% YoY
 0.9%
-6.6% YoY
 1.2%
-0.9% YoY
 Top 14.8% in tier
Loan To Share 76.0%
+6.3% YoY+2.2% QoQ
 +3.3% 72.7%
-1.5% YoY
 76.2%
+0.8% YoY
 68.0%
-1.7% YoY
 54th in tier
AMR $28,393
-7.1% YoY-1.7% QoQ
 +$4K $24,363
+2.9% YoY
 $25,038
+0.5% YoY
 $19,418
+1.3% YoY
 Top 21.9% in tier
CD Concentration 15.2%
-4.9% YoY-13.5% QoQ
 -9.2% 24.4%
+4.2% YoY
 16.6%
+1.3% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 2.7%
-36.0% YoY-13.6% QoQ
 -11.2% 14.0%
-5.8% YoY
 13.9%
-0.5% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (8)

Deposit Outflow

decline
#23 of 114 • Bottom 3.7% in tier

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

Why This Signature
Deposit Growth (YoY): -10.91%
(Tier: 4.79%, National: 12.00%)
worse than tier avg
Total Assets: $152.61M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
114 of 1077 Community CUs have this signature | 143 nationally
↓ Shrinking -169 CUs YoY | New qualifier

Shrinking Wallet Share

decline
#39 of 244 • Bottom 3.8% in tier

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

Why This Signature
AMR Growth (YoY): -7.07%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 1077 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY | New qualifier

Accelerating Exit Risk

decline
#16 of 58 • Bottom 5.7% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature
Member Growth (YoY): -1.59%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
AMR Growth (YoY): -7.07%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
58 of 1077 Community CUs have this signature | 73 nationally
↓ Shrinking -89 CUs YoY | New qualifier

Efficiency Drag

risk
#156 of 521 • Bottom 8.8% in tier

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

Why This Signature
Efficiency Ratio: 97.97%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.56% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): -1.59%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank improving

Wealth Migration Risk

decline
#25 of 28 • Bottom 21.8% in tier

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

Why This Signature
Avg Member Relationship: $28.4K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
AMR Growth (YoY): -7.07%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
Total Assets: $152.61M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
28 of 1077 Community CUs have this signature | 39 nationally
↓ Shrinking -32 CUs YoY | New qualifier

Membership Headwinds

decline
#373 of 550 • Bottom 22.6% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -1.59%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY

Institutional Decline

decline
#191 of 256 • Bottom 24.1% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $152.61M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
Member Growth (YoY): -1.59%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -5.25%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
256 of 1077 Community CUs have this signature | 293 nationally
↓ Shrinking -43 CUs YoY | Rank improving

Stagnation Risk

risk
#490 of 550 • Bottom 29.7% 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: -0.41%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -1.59%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $28.4K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 15.18%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

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 (3 metrics)

236
Average Member Relationship (AMR)
engagement
Value: $28,393
Peer Avg: $24,363
#236 of 1077 Top 21.8% in 100M-500M tier
240
Loan-to-Member Ratio (LMR)
engagement
Value: $12,261
Peer Avg: $10,245
#240 of 1077 Top 22.2% in 100M-500M tier
248
Share Certificate Concentration (%)
balance_sheet
Value: 15.18%
Peer Avg: 23.61%
#248 of 1077 Top 22.9% in 100M-500M tier

Top Weaknesses (10 metrics)

1071
Asset Growth Rate
growth
Value: -10.05%
Peer Avg: 4.70%
#1071 of 1077 Bottom 0.6% in 100M-500M tier
1068
Deposit Growth Rate
growth
Value: -10.91%
Peer Avg: 4.69%
#1068 of 1077 Bottom 0.9% in 100M-500M tier
1050
Return on Assets (ROA)
profitability
Value: -0.41%
Peer Avg: 0.79%
#1050 of 1077 Bottom 2.6% in 100M-500M tier
1047
AMR Growth Rate
growth
Value: -7.07%
Peer Avg: 3.64%
#1047 of 1077 Bottom 2.9% in 100M-500M tier
1043
Efficiency Ratio
profitability
Value: 97.97%
Peer Avg: 77.28%
#1043 of 1077 Bottom 3.2% in 100M-500M tier
954
Loan Growth Rate
growth
Value: -5.25%
Peer Avg: 3.45%
#954 of 1077 Bottom 11.5% in 100M-500M tier
919
Total Delinquency Rate (60+ days)
risk
Value: 1.48%
Peer Avg: 0.86%
#919 of 1077 Bottom 14.8% in 100M-500M tier
902
Members Per Employee (MPE)
engagement
Value: 245.800
Peer Avg: 332.881
#902 of 1077 Bottom 16.3% in 100M-500M tier
860
Total Members
engagement
Value: 8,603
Peer Avg: 15,628
#860 of 1077 Bottom 20.2% in 100M-500M tier
828
Net Charge-Off Rate
risk
Value: 0.64%
Peer Avg: 0.47%
#828 of 1077 Bottom 23.2% in 100M-500M tier