FELLOWSHIP
Charter #64852 | CO
<100M
(2596 CUs)
Micro
($0-$500M)
29 <100M in CO
FELLOWSHIP has 11 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.36% above tier average
- + Net Interest Margin 0.44% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 1.3% in tier
- + Loan-to-Share Ratio: Top 3.0% in tier
- + Asset Growth Rate: Top 5.5% in tier
- + Total Loans: Top 5.7% in tier
- + Loan Growth Rate: Top 6.0% in tier
- + Net Charge-Off Rate: Top 6.2% in tier
- + Deposit Growth Rate: Top 6.8% in tier
- + Total Members: Top 9.8% in tier
Key Concerns
Areas that may need attention
- - Member decline: -10.5% YoY
- - First Mortgage Concentration (%): Bottom 3.7% in tier
- - Member Growth Rate: Bottom 5.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,878
-10.5% YoY-1.2% QoQ
|
+3.3K |
2,625
-2.2% YoY
|
38,063
+8.0% YoY
|
33,089
+6.1% YoY
|
Top 9.8% in tier |
| Assets |
$54.1M
+11.9% YoY+3.2% QoQ
|
+$24.3M |
$29.9M
+1.1% YoY
|
$678.0M
+7.3% YoY
|
$547.7M
+7.8% YoY
|
Top 20.3% in tier |
| Loans |
$49.4M
+14.9% YoY+4.8% QoQ
|
+$33.6M |
$15.8M
-2.4% YoY
|
$529.4M
+8.0% YoY
|
$388.7M
+8.6% YoY
|
Top 5.7% in tier |
| Deposits |
$48.3M
+11.4% YoY+3.8% QoQ
|
+$22.8M |
$25.5M
+0.4% YoY
|
$571.8M
+9.1% YoY
|
$464.6M
+9.3% YoY
|
Top 18.7% in tier |
| ROA |
1.0%
+9.0% YoY-6.8% QoQ
|
+0.4% |
0.7%
-731.4% YoY
|
0.5%
+8.5% YoY
|
0.7%
+273.4% YoY
|
64th in tier |
| NIM |
4.4%
-3.9% YoY-1.3% QoQ
|
+0.4% |
3.9%
+3.8% YoY
|
3.6%
+3.7% YoY
|
3.7%
+5.0% YoY
|
69th in tier |
| Efficiency Ratio |
77.8%
+0.3% YoY+0.1% QoQ
|
-3.6% |
81.4%
-2.4% YoY
|
80.6%
-2.6% YoY
|
79.1%
-3.3% YoY
|
49th in tier |
| Delinquency Rate |
1.2%
+58.7% YoY+19.7% QoQ
|
-0.3 |
1.5%
-2.0% YoY
|
0.9%
+6.2% YoY
|
1.2%
-0.9% YoY
|
65th in tier |
| Loan To Share |
102.3%
+3.2% YoY+0.9% QoQ
|
+41.1% |
61.2%
-3.0% YoY
|
72.9%
-3.4% YoY
|
68.0%
-1.7% YoY
|
Top 3.2% in tier |
| AMR |
$16,614
+26.4% YoY+5.5% QoQ
|
+$2K |
$14,627
-2.7% YoY
|
$22,866
+4.1% YoY
|
$19,418
+1.3% YoY
|
66th in tier |
| CD Concentration |
25.6%
+37.1% YoY+8.4% QoQ
|
+1.2% |
24.4%
+4.2% YoY
|
26.3%
+7.3% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
12.4%
-8.4% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
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)
Top Strengths (12 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
36
AMR Growth Rate
growth
Value:
26.41%
Peer Avg: 4.67%
#36 of 2596
Top 1.3% in <100M tier
80
Loan-to-Share Ratio
balance_sheet
Value:
102.31%
Peer Avg: 61.23%
#80 of 2596
Top 3.0% in <100M tier
145
Asset Growth Rate
growth
Value:
11.90%
Peer Avg: 1.82%
#145 of 2596
Top 5.5% in <100M tier
148
Total Loans
balance_sheet
Value:
$49.39M
Peer Avg: $15.77M
#148 of 2596
Top 5.7% in <100M tier
158
Loan Growth Rate
growth
Value:
14.93%
Peer Avg: 59.01%
#158 of 2596
Top 6.0% in <100M tier
161
Net Charge-Off Rate
risk
Value:
-0.04%
Peer Avg: 0.57%
#161 of 2596
Top 6.2% in <100M tier
178
Deposit Growth Rate
growth
Value:
11.38%
Peer Avg: 16.80%
#178 of 2596
Top 6.8% in <100M tier
255
Total Members
engagement
Value:
5,878
Peer Avg: 2,626
#255 of 2596
Top 9.8% in <100M tier
405
Loan-to-Member Ratio (LMR)
engagement
Value:
$8,402
Peer Avg: $5,488
#405 of 2596
Top 15.6% in <100M tier
Top Weaknesses (4 metrics)
2500
First Mortgage Concentration (%)
balance_sheet
Value:
60.30%
Peer Avg: 14.49%
#2500 of 2596
Bottom 3.7% in <100M tier
2456
Member Growth Rate
growth
Value:
-10.49%
Peer Avg: 14.92%
#2456 of 2596
Bottom 5.4% in <100M tier
2211
Net Worth Ratio
risk
Value:
9.73%
Peer Avg: 16.43%
#2211 of 2596
Bottom 14.9% in <100M tier
1992
Share Certificate Concentration (%)
balance_sheet
Value:
25.62%
Peer Avg: 15.37%
#1992 of 2596
Bottom 23.3% in <100M tier