COMMUNITY CHOICE

Charter #64880 | MI

1B-3B (304 CUs) Mid-Market (380 CUs)
19 1B-3B in MI

COMMUNITY CHOICE has 5 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 2.8% in tier
  • + Wallet Share Momentum: Top 6.8% in tier
  • + Organic Growth Engine: Top 29.6% in tier
  • + Net Interest Margin 0.63% above tier average
  • + Fee Income Per Member: Top 6.9% in tier

Key Concerns

Areas that may need attention

  • - Growth-at-Risk: Bottom 4.5% in tier
  • - Credit Quality Pressure: Bottom 11.8% in tier
  • - Indirect Auto Dependency: Bottom 16.4% in tier
  • - Liquidity Strain: Bottom 17.0% in tier
  • - Efficiency Drag: Bottom 26.8% in tier
  • - ROA 0.06% below tier average
  • - Efficiency ratio 6.21% above tier (higher cost structure)
  • - Members Per Employee (MPE): Bottom 8.6% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Members 115,548
+1.4% YoY+0.2% QoQ
 +16.9K 98,678
-1.9% YoY
 35,456
+8.6% YoY
 33,089
+6.1% YoY
 68th in tier
Assets $2.0B
+7.4% YoY+2.0% QoQ
 +$262.8M $1.7B
+0.5% YoY
 $650.8M
+12.6% YoY
 $547.7M
+7.8% YoY
 68th in tier
Loans $1.6B
+10.8% YoY+4.5% QoQ
 +$330.1M $1.2B
+0.5% YoY
 $461.6M
+14.9% YoY
 $388.7M
+8.6% YoY
 74th in tier
Deposits $1.7B
+9.0% YoY+2.2% QoQ
 +$208.6M $1.5B
+1.3% YoY
 $550.3M
+12.5% YoY
 $464.6M
+9.3% YoY
 68th in tier
ROA 0.6%
+131.7% YoY+3.6% QoQ
 -0.1% 0.7%
+13.4% YoY
 0.8%
-27.1% YoY
 0.7%
+273.4% YoY
 48th in tier
NIM 3.9%
+11.6% YoY-0.0% QoQ
 +0.6% 3.3%
+9.3% YoY
 3.7%
+8.5% YoY
 3.7%
+5.0% YoY
 Top 14.5% in tier
Efficiency Ratio 80.2%
-7.9% YoY-0.6% QoQ
 +6.2% 74.0%
-10.9% YoY
 76.1%
-1.3% YoY
 79.1%
-3.3% YoY
 73rd in tier
Delinquency Rate 0.8%
+22.8% YoY+36.6% QoQ
 -0.0 0.8%
+6.1% YoY
 0.9%
-19.7% YoY
 1.2%
-0.9% YoY
 62nd in tier
Loan To Share 94.0%
+1.7% YoY+2.3% QoQ
 +8.8% 85.2%
-0.8% YoY
 68.1%
+0.3% YoY
 68.0%
-1.7% YoY
 70th in tier
AMR $27,920
+8.4% YoY+3.1% QoQ
 $-1K $29,172
+2.8% YoY
 $22,054
+2.5% YoY
 $19,418
+1.3% YoY
 53rd in tier
CD Concentration 22.5%
+29.5% YoY+11.5% QoQ
 -6.5% 29.0%
+0.8% YoY
 18.6%
+6.0% YoY
 19.6%
+6.2% YoY
 Bottom 21.6% in tier
Indirect Auto % 20.3%
-14.1% YoY-6.7% QoQ
 +1.5% 18.8%
-2.8% YoY
 11.9%
-2.7% YoY
 7.9%
-2.9% YoY
 58th in tier

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth
#21 of 264 • Top 2.8% in tier

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

Why This Signature
AMR Growth (YoY): 8.41%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $4.1K
(Tier: $3.1K, National: $2.0K)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank improving

Wallet Share Momentum

growth
#50 of 264 • Top 6.8% in tier

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

Why This Signature
AMR Growth (YoY): 8.41%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank improving

Organic Growth Engine

growth
#215 of 246 • Top 29.6% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.37%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
Return on Assets: 0.65%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 20.29%
(Tier: 18.80%, National: 7.90%)
but worse than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | New qualifier

Concerns (5)

Growth-at-Risk

risk
#26 of 161 • Bottom 4.5% in tier

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

Why This Signature
Loan Growth (YoY): 10.84%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.15% 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 | Rank improving

Credit Quality Pressure

risk
#91 of 217 • Bottom 11.8% in tier

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

Why This Signature
Delinquency Change (YoY): 0.15% 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

Indirect Auto Dependency

risk
#102 of 202 • Bottom 16.4% in tier

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

Why This Signature
Asset Growth (YoY): 7.38%
(Tier: 5.36%, National: 3.04%)
but better than tier avg
Indirect Auto %: 20.29%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 1.37%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank improving

Liquidity Strain

risk
#90 of 183 • Bottom 17.0% in tier

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

Why This Signature
Loan-to-Share Ratio: 94.00%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 10.84%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY | Rank improving

Efficiency Drag

risk
#89 of 96 • Bottom 26.8% in tier

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

Why This Signature
Efficiency Ratio: 80.18%
(Tier: 73.45%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.37% points
(Tier: 0.07% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): 1.37%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
96 of 380 Mid-Market CUs have this signature | 624 nationally
↓ Shrinking -32 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 304 peers in tier

Top Strengths (7 metrics)

22
Fee Income Per Member
profitability
Value: $329.95
Peer Avg: $210.52
#22 of 304 Top 6.9% in 1B-3B tier
43
AMR Growth Rate
growth
Value: 8.41%
Peer Avg: 3.29%
#43 of 304 Top 13.8% in 1B-3B tier
44
Net Interest Margin (NIM)
profitability
Value: 3.89%
Peer Avg: 3.26%
#44 of 304 Top 14.1% in 1B-3B tier
49
First Mortgage Concentration (%)
balance_sheet
Value: 19.23%
Peer Avg: 34.01%
#49 of 304 Top 15.8% in 1B-3B tier
52
Loan Growth Rate
growth
Value: 10.84%
Peer Avg: 5.27%
#52 of 304 Top 16.8% in 1B-3B tier
54
Deposit Growth Rate
growth
Value: 9.03%
Peer Avg: 5.58%
#54 of 304 Top 17.4% in 1B-3B tier
71
Share Certificate Concentration (%)
balance_sheet
Value: 22.52%
Peer Avg: 28.53%
#71 of 304 Top 23.0% in 1B-3B tier

Top Weaknesses (2 metrics)

279
Members Per Employee (MPE)
engagement
Value: 265.628
Peer Avg: 364.953
#279 of 304 Bottom 8.6% in 1B-3B tier
268
Net Worth Ratio
risk
Value: 9.09%
Peer Avg: 11.44%
#268 of 304 Bottom 12.2% in 1B-3B tier