COMMUNITY CHOICE
Charter #65078 | IA
750M-1B
(112 CUs)
Community
($500M-$1B)
(281 CUs)
1 750M-1B in IA
COMMUNITY CHOICE has 7 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 7.2% in tier
- + Organic Growth Leader: Top 8.8% in tier
- + Relationship Depth Leader: Top 9.3% in tier
- + Wallet Share Momentum: Top 17.8% in tier
- + ROA 0.28% above tier average
- + Net Interest Margin 0.80% above tier average
- + Fee Income Per Member: Top 8.9% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 6.1% in tier
- - Growth-at-Risk: Bottom 21.8% in tier
- - Credit Quality Pressure: Bottom 28.3% in tier
- - Liquidity Overhang: Bottom 34.6% in tier
- - Efficiency ratio 4.10% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
53,383
+4.1% YoY+0.5% QoQ
|
+1.3K |
52,114
-2.1% YoY
|
24,664
+0.3% YoY
|
33,089
+6.1% YoY
|
53rd in tier |
| Assets |
$865.3M
+9.4% YoY-0.5% QoQ
|
+$6.3M |
$859.0M
+0.0% YoY
|
$515.3M
+7.1% YoY
|
$547.7M
+7.8% YoY
|
54th in tier |
| Loans |
$714.1M
+9.0% YoY+2.8% QoQ
|
+$110.8M |
$603.4M
+1.0% YoY
|
$418.6M
+8.3% YoY
|
$388.7M
+8.6% YoY
|
Top 16.1% in tier |
| Deposits |
$724.2M
+9.3% YoY-2.4% QoQ
|
$-9.9M |
$734.2M
+0.9% YoY
|
$421.4M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
46th in tier |
| ROA |
1.0%
+7.2% YoY+6.0% QoQ
|
+0.3% |
0.7%
+27.6% YoY
|
1.0%
+0.3% YoY
|
0.7%
+273.4% YoY
|
70th in tier |
| NIM |
4.2%
+0.9% YoY-2.4% QoQ
|
+0.8% |
3.4%
+9.6% YoY
|
3.8%
+3.9% YoY
|
3.7%
+5.0% YoY
|
Top 8.9% in tier |
| Efficiency Ratio |
78.6%
+1.1% YoY+0.1% QoQ
|
+4.1% |
74.5%
-3.2% YoY
|
72.0%
+0.4% YoY
|
79.1%
-3.3% YoY
|
61st in tier |
| Delinquency Rate |
0.5%
+2.7% YoY-14.2% QoQ
|
-0.3 |
0.8%
+5.0% YoY
|
1.2%
-5.8% YoY
|
1.2%
-0.9% YoY
|
29th in tier |
| Loan To Share |
98.6%
-0.2% YoY+5.4% QoQ
|
+15.9% |
82.7%
+0.1% YoY
|
77.1%
-1.2% YoY
|
68.0%
-1.7% YoY
|
Top 13.4% in tier |
| AMR |
$26,944
+4.9% YoY-0.4% QoQ
|
$-2K |
$28,651
+2.5% YoY
|
$20,702
+4.3% YoY
|
$19,418
+1.3% YoY
|
54th in tier |
| CD Concentration |
18.1%
+22.1% YoY+9.2% QoQ
|
-6.3% |
24.4%
+4.2% YoY
|
22.0%
+1.0% YoY
|
19.6%
+6.2% YoY
|
28th in tier |
| Indirect Auto % |
0.4%
-63.0% YoY-20.5% QoQ
|
-13.6% |
14.0%
-5.8% YoY
|
9.3%
-2.2% YoY
|
7.9%
-2.9% YoY
|
34th in tier |
Signature Analysis
Strengths (4)
Organic Growth Engine
growth
#133 of 603 • Top 7.2% in tier
Growing membership while maintaining profitability. Healthy fundamentals in place.
Why This Signature
Member Growth (YoY):
4.07%
(Tier:
0.88%, National:
9.37%)
Return on Assets:
0.99%
(Tier:
0.77%, National:
0.71%)
Indirect Auto %:
0.36%
(Tier:
13.96%, National:
7.90%)
603 of 281 Community CUs have this signature
| 917 nationally
→ Stable (608→603 CUs)
-5 CUs YoY
|
New qualifier
Organic Growth Leader
growth
#117 of 430 • Top 8.8% in tier
Attracting members without relying on indirect channels. Healthy, sustainable growth model.
Why This Signature
Member Growth (YoY):
4.07%
(Tier:
0.88%, National:
9.37%)
430 of 281 Community CUs have this signature
| 608 nationally
↓ Shrinking
-21 CUs YoY
|
New qualifier
Relationship Depth Leader
growth
#256 of 1006 • Top 9.3% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
4.90%
(Tier:
3.68%, National:
4.19%)
Share Draft per Member:
$3.4K
(Tier: $2.8K, National: $2.0K)
1006 of 281 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
New qualifier
Wallet Share Momentum
growth
#492 of 1006 • Top 17.8% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
4.90%
(Tier:
3.68%, National:
4.19%)
1006 of 281 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
New qualifier
Concerns (4)
Liquidity Strain
risk
#48 of 258 • Bottom 6.1% in tier
Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Why This Signature
Loan-to-Share Ratio:
98.61%
(Tier:
74.56%, National:
67.96%)
Loan Growth (YoY):
9.04%
(Tier:
3.64%, National:
36.38%)
258 of 281 Community CUs have this signature
| 484 nationally
↓ Shrinking
-28 CUs YoY
|
Rank improving
Growth-at-Risk
risk
#328 of 446 • Bottom 21.8% in tier
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Why This Signature
Loan Growth (YoY):
9.04%
(Tier:
3.64%, National:
36.38%)
Delinquency Change (YoY):
0.01% points
(Tier:
0.04% points, National:
0.07% points)
446 of 281 Community CUs have this signature
| 646 nationally
↓ Shrinking
-77 CUs YoY
|
New qualifier
Credit Quality Pressure
risk
#701 of 736 • Bottom 28.3% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
0.01% points
(Tier:
0.04% points, National:
0.07% points)
736 of 281 Community CUs have this signature
| 1002 nationally
↓ Shrinking
-199 CUs YoY
|
Rank worsening
Liquidity Overhang
risk
#536 of 552 • Bottom 34.6% in tier
Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
Why This Signature
Net Worth Ratio:
12.63%
(Tier:
11.95%, National:
14.51%)
Loan-to-Share Ratio:
98.61%
(Tier:
74.56%, National:
67.96%)
552 of 281 Community CUs have this signature
| 691 nationally
↑ Growing
+65 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)
Top Strengths (9 metrics)
10
Net Interest Margin (NIM)
profitability
Value:
4.17%
Peer Avg: 3.38%
#10 of 112
Top 8.0% in 750M-1B tier
11
Fee Income Per Member
profitability
Value:
$327.53
Peer Avg: $204.75
#11 of 112
Top 8.9% in 750M-1B tier
15
Loan-to-Share Ratio
balance_sheet
Value:
98.61%
Peer Avg: 82.66%
#15 of 112
Top 12.5% in 750M-1B tier
16
Share Certificate Concentration (%)
balance_sheet
Value:
18.14%
Peer Avg: 28.34%
#16 of 112
Top 13.4% in 750M-1B tier
18
Deposit Growth Rate
growth
Value:
9.30%
Peer Avg: 5.03%
#18 of 112
Top 15.2% in 750M-1B tier
18
Total Loans
balance_sheet
Value:
$714.14M
Peer Avg: $603.36M
#18 of 112
Top 15.2% in 750M-1B tier
20
Asset Growth Rate
growth
Value:
9.42%
Peer Avg: 4.25%
#20 of 112
Top 17.0% in 750M-1B tier
22
Indirect Auto Concentration (%)
balance_sheet
Value:
0.36%
Peer Avg: 16.60%
#22 of 112
Top 18.8% in 750M-1B tier
23
Member Growth Rate
growth
Value:
4.07%
Peer Avg: 1.14%
#23 of 112
Top 19.6% in 750M-1B tier
Top Weaknesses (0 metrics)
No weakness rankings available