UNCLE

Charter #64482 | CA

750M-1B (112 CUs) Community (281 CUs)
15 750M-1B in CA

UNCLE has 5 strengths but faces 12 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 24.3% in tier
  • + Net Interest Margin 0.39% above tier average
  • + Strong member growth: 6.4% YoY
  • + Member Growth Rate: Top 7.1% in tier
  • + Loan-to-Share Ratio: Top 8.9% in tier

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 1.9% in tier
  • - Credit Quality Pressure: Bottom 5.1% in tier
  • - Shrinking Wallet Share: Bottom 6.2% in tier
  • - Growth-at-Risk: Bottom 6.8% in tier
  • - Wealth Migration Risk: Bottom 7.3% in tier
  • - Liquidity Strain: Bottom 9.3% in tier
  • - Indirect Auto Dependency: Bottom 25.8% in tier
  • - ROA 0.55% below tier average
  • - Delinquency rate 0.18% above tier average
  • - Deposit Growth Rate: Bottom 3.6% in tier
  • - AMR Growth Rate: Bottom 4.5% in tier
  • - Net Worth Ratio: Bottom 4.5% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 40,083
+6.4% YoY+1.1% QoQ
 -12.0K 52,114
-2.1% YoY
 59,606
+5.7% YoY
 33,089
+6.1% YoY
 Bottom 25.0% in tier
Assets $771.0M
+2.3% YoY-0.4% QoQ
 $-88.0M $859.0M
+0.0% YoY
 $1.2B
+6.2% YoY
 $547.7M
+7.8% YoY
 Bottom 11.6% in tier
Loans $662.4M
+5.8% YoY+0.0% QoQ
 +$59.0M $603.4M
+1.0% YoY
 $845.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 64th in tier
Deposits $670.2M
-3.1% YoY-0.9% QoQ
 $-64.0M $734.2M
+0.9% YoY
 $1.0B
+8.8% YoY
 $464.6M
+9.3% YoY
 Bottom 13.4% in tier
ROA 0.2%
-52.9% YoY-172.3% QoQ
 -0.6% 0.7%
+27.6% YoY
 0.6%
+30.0% YoY
 0.7%
+273.4% YoY
 Bottom 13.4% in tier
NIM 3.8%
+14.4% YoY+0.4% QoQ
 +0.4% 3.4%
+9.6% YoY
 3.3%
+6.5% YoY
 3.7%
+5.0% YoY
 74th in tier
Efficiency Ratio 74.3%
-2.0% YoY-3.7% QoQ
 -0.3% 74.5%
-3.2% YoY
 79.3%
-6.2% YoY
 79.1%
-3.3% YoY
 40th in tier
Delinquency Rate 1.0%
+112.3% YoY+14.8% QoQ
 +0.2 0.8%
+5.0% YoY
 0.7%
-38.7% YoY
 1.2%
-0.9% YoY
 70th in tier
Loan To Share 98.8%
+9.2% YoY+0.9% QoQ
 +16.2% 82.7%
+0.1% YoY
 68.8%
-1.5% YoY
 68.0%
-1.7% YoY
 Top 9.8% in tier
AMR $33,246
-4.9% YoY-1.5% QoQ
 +$5K $28,651
+2.5% YoY
 $28,514
+2.8% YoY
 $19,418
+1.3% YoY
 Top 24.1% in tier
CD Concentration 28.0%
+27.3% YoY+7.4% QoQ
 +3.6% 24.4%
+4.2% YoY
 21.7%
+4.2% YoY
 19.6%
+6.2% YoY
 64th in tier
Indirect Auto % 31.0%
-12.0% YoY-5.0% QoQ
 +17.0% 14.0%
-5.8% YoY
 9.5%
-6.9% YoY
 7.9%
-2.9% YoY
 Top 16.4% in tier

Signature Analysis

Strengths (1)

Organic Growth Engine

growth
#446 of 603 • Top 24.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 6.40%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.16%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 31.00%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Concerns (7)

Deposit Outflow

decline
#12 of 114 • Bottom 1.9% in tier

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

Why This Signature
Deposit Growth (YoY): -3.08%
(Tier: 4.79%, National: 12.00%)
worse than tier avg
Total Assets: $770.96M
(Tier: $859.01M, National: $547.69M)
worse than tier avg
114 of 281 Community CUs have this signature | 143 nationally
↓ Shrinking -169 CUs YoY | New qualifier

Credit Quality Pressure

risk
#128 of 736 • Bottom 5.1% in tier

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

Why This Signature
Delinquency Change (YoY): 0.53% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 281 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | New qualifier

Shrinking Wallet Share

decline
#63 of 244 • Bottom 6.2% in tier

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

Why This Signature
AMR Growth (YoY): -4.93%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 281 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY | Rank improving

Growth-at-Risk

risk
#103 of 446 • Bottom 6.8% in tier

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

Why This Signature
Loan Growth (YoY): 5.83%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.53% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 281 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | New qualifier

Wealth Migration Risk

decline
#9 of 28 • Bottom 7.3% 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: $25.0K, National: $19.4K)
but better than tier avg
AMR Growth (YoY): -4.93%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
Total Assets: $770.96M
(Tier: $859.01M, National: $547.69M)
worse than tier avg
28 of 281 Community CUs have this signature | 39 nationally
↓ Shrinking -32 CUs YoY | New qualifier

Liquidity Strain

risk
#73 of 258 • Bottom 9.3% in tier

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

Why This Signature
Loan-to-Share Ratio: 98.84%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 5.83%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
258 of 281 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#415 of 525 • Bottom 25.8% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 2.26%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 31.00%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 6.40%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 281 Community CUs have this signature | 768 nationally
↓ Shrinking -18 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 112 peers in tier

Top Strengths (5 metrics)

9
Member Growth Rate
growth
Value: 6.40%
Peer Avg: 1.14%
#9 of 112 Top 7.1% in 750M-1B tier
11
Loan-to-Share Ratio
balance_sheet
Value: 98.84%
Peer Avg: 82.66%
#11 of 112 Top 8.9% in 750M-1B tier
20
Loan-to-Member Ratio (LMR)
engagement
Value: $16,526
Peer Avg: $12,810
#20 of 112 Top 17.0% in 750M-1B tier
27
Average Member Relationship (AMR)
engagement
Value: $33,246
Peer Avg: $28,651
#27 of 112 Top 23.2% in 750M-1B tier
29
Net Interest Margin (NIM)
profitability
Value: 3.77%
Peer Avg: 3.38%
#29 of 112 Top 25.0% in 750M-1B tier

Top Weaknesses (8 metrics)

109
Deposit Growth Rate
growth
Value: -3.08%
Peer Avg: 5.03%
#109 of 112 Bottom 3.6% in 750M-1B tier
108
AMR Growth Rate
growth
Value: -4.93%
Peer Avg: 4.90%
#108 of 112 Bottom 4.5% in 750M-1B tier
108
Net Worth Ratio
risk
Value: 7.51%
Peer Avg: 11.52%
#108 of 112 Bottom 4.5% in 750M-1B tier
99
Total Assets
balance_sheet
Value: $770.96M
Peer Avg: $859.01M
#99 of 112 Bottom 12.5% in 750M-1B tier
97
Return on Assets (ROA)
profitability
Value: 0.16%
Peer Avg: 0.71%
#97 of 112 Bottom 14.3% in 750M-1B tier
97
Total Deposits
balance_sheet
Value: $670.18M
Peer Avg: $734.17M
#97 of 112 Bottom 14.3% in 750M-1B tier
95
Net Charge-Off Rate
risk
Value: 0.98%
Peer Avg: 0.61%
#95 of 112 Bottom 16.1% in 750M-1B tier
92
Indirect Auto Concentration (%)
balance_sheet
Value: 31.00%
Peer Avg: 16.60%
#92 of 112 Bottom 18.8% in 750M-1B tier