VUE COMMUNITY

Charter #64408 | ND

100M-500M (1077 CUs) Micro
9 100M-500M in ND

VUE COMMUNITY has 8 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 16.0% in tier
  • + Emerging Performer: Top 19.8% in tier
  • + Wallet Share Momentum: Top 32.2% in tier
  • + ROA 0.00% above tier average
  • + Net Charge-Off Rate: Top 0.0% in tier
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Average Member Relationship (AMR): Top 5.2% in tier
  • + Loan-to-Member Ratio (LMR): Top 8.2% in tier

Key Concerns

Areas that may need attention

  • - Efficiency ratio 2.02% above tier (higher cost structure)
  • - Total Members: Bottom 1.3% in tier
  • - Total Assets: Bottom 1.9% in tier
  • - Net Worth Ratio: Bottom 5.1% in tier
  • - Total Deposits: Bottom 6.1% in tier
  • - Members Per Employee (MPE): Bottom 7.5% in tier
  • - Loan Growth Rate: Bottom 7.9% in tier
  • - Total Loans: Bottom 9.0% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
Members 3,680
-0.4% YoY-0.5% QoQ
 -11.9K 15,628
-3.4% YoY
 7,412
-0.5% YoY
 33,089
+6.1% YoY
 Bottom 1.2% in tier
Assets $103.1M
+7.2% YoY+1.4% QoQ
 $-128.2M $231.3M
-0.0% YoY
 $201.0M
+5.9% YoY
 $547.7M
+7.8% YoY
 Bottom 1.9% in tier
Loans $58.6M
-6.7% YoY+0.5% QoQ
 $-89.2M $147.8M
-1.4% YoY
 $137.9M
+2.5% YoY
 $388.7M
+8.6% YoY
 Bottom 8.9% in tier
Deposits $94.2M
+7.0% YoY+1.2% QoQ
 $-106.1M $200.3M
-0.0% YoY
 $165.9M
+4.4% YoY
 $464.6M
+9.3% YoY
 Bottom 6.0% in tier
ROA 0.8%
-120.7% YoY+15.1% QoQ
 +0.0% 0.8%
+15.5% YoY
 0.9%
-6.7% YoY
 0.7%
+273.4% YoY
 53rd in tier
NIM 2.8%
+23.6% YoY+6.0% QoQ
 -0.8% 3.6%
+6.9% YoY
 3.4%
+7.4% YoY
 3.7%
+5.0% YoY
 Bottom 12.7% in tier
Efficiency Ratio 79.3%
-7.1% YoY-6.4% QoQ
 +2.0% 77.3%
-3.0% YoY
 74.0%
-24.8% YoY
 79.1%
-3.3% YoY
 58th in tier
Delinquency Rate 0.6%
-87.7% YoY-10.7% QoQ
 -0.2 0.9%
+7.6% YoY
 0.9%
-3.9% YoY
 1.2%
-0.9% YoY
 48th in tier
Loan To Share 62.2%
-12.8% YoY-0.7% QoQ
 -10.5% 72.7%
-1.5% YoY
 72.0%
-4.4% YoY
 68.0%
-1.7% YoY
 26th in tier
AMR $41,517
+1.7% YoY+1.4% QoQ
 +$17K $24,363
+2.9% YoY
 $32,427
+3.2% YoY
 $19,418
+1.3% YoY
 Top 5.3% in tier
CD Concentration 35.7%
+4.7% YoY-1.3% QoQ
 +11.3% 24.4%
+4.2% YoY
 22.4%
+2.4% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 1.1%
-2.9% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth
#441 of 1006 • Top 16.0% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 1.71%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $4.9K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Emerging Performer

growth
#372 of 627 • Top 19.8% in tier

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

Why This Signature
Return on Assets: 0.79%
(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

Wallet Share Momentum

growth
#888 of 1006 • Top 32.2% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 1.71%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

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)

Comparing against 1077 peers in tier

Top Strengths (6 metrics)

1
Net Charge-Off Rate
risk
Value: -0.25%
Peer Avg: 0.47%
#1 of 1077 Top 0.0% in 100M-500M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
57
Average Member Relationship (AMR)
engagement
Value: $41,517
Peer Avg: $24,363
#57 of 1077 Top 5.2% in 100M-500M tier
89
Loan-to-Member Ratio (LMR)
engagement
Value: $15,916
Peer Avg: $10,245
#89 of 1077 Top 8.2% in 100M-500M tier
257
Asset Growth Rate
growth
Value: 7.16%
Peer Avg: 4.70%
#257 of 1077 Top 23.8% in 100M-500M tier
264
Deposit Growth Rate
growth
Value: 6.98%
Peer Avg: 4.69%
#264 of 1077 Top 24.4% in 100M-500M tier

Top Weaknesses (9 metrics)

1064
Total Members
engagement
Value: 3,680
Peer Avg: 15,628
#1064 of 1077 Bottom 1.3% in 100M-500M tier
1057
Total Assets
balance_sheet
Value: $103.06M
Peer Avg: $231.30M
#1057 of 1077 Bottom 1.9% in 100M-500M tier
1023
Net Worth Ratio
risk
Value: 8.21%
Peer Avg: 12.15%
#1023 of 1077 Bottom 5.1% in 100M-500M tier
1012
Total Deposits
balance_sheet
Value: $94.21M
Peer Avg: $200.29M
#1012 of 1077 Bottom 6.1% in 100M-500M tier
997
Members Per Employee (MPE)
engagement
Value: 216.471
Peer Avg: 332.881
#997 of 1077 Bottom 7.5% in 100M-500M tier
993
Loan Growth Rate
growth
Value: -6.75%
Peer Avg: 3.45%
#993 of 1077 Bottom 7.9% in 100M-500M tier
981
Total Loans
balance_sheet
Value: $58.57M
Peer Avg: $147.80M
#981 of 1077 Bottom 9.0% in 100M-500M tier
940
Net Interest Margin (NIM)
profitability
Value: 2.82%
Peer Avg: 3.58%
#940 of 1077 Bottom 12.8% in 100M-500M tier
932
Share Certificate Concentration (%)
balance_sheet
Value: 35.73%
Peer Avg: 23.61%
#932 of 1077 Bottom 13.6% in 100M-500M tier