ST. ATHANASIUS
Charter #65136 | IA
<100M
(2596 CUs)
Micro
($0-$500M)
39 <100M in IA
ST. ATHANASIUS has 6 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.04% above tier average
- + Net Interest Margin 2.14% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 11.09% above tier average
- - Total Delinquency Rate (60+ days): Bottom 1.8% in tier
- - Total Assets: Bottom 4.0% in tier
- - Total Deposits: Bottom 4.4% in tier
- - Total Members: Bottom 5.6% in tier
- - Total Loans: Bottom 6.9% in tier
- - Average Member Relationship (AMR): Bottom 7.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
233
-1.7% YoY-0.9% QoQ
|
-2.4K |
2,625
-2.2% YoY
|
24,664
+0.3% YoY
|
33,089
+6.1% YoY
|
Bottom 5.5% in tier |
| Assets |
$650,387
+1.2% YoY-1.2% QoQ
|
$-29.2M |
$29.9M
+1.1% YoY
|
$515.3M
+7.1% YoY
|
$547.7M
+7.8% YoY
|
Bottom 4.0% in tier |
| Loans |
$446,639
-4.0% YoY+5.4% QoQ
|
$-15.3M |
$15.8M
-2.4% YoY
|
$418.6M
+8.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 6.9% in tier |
| Deposits |
$539,566
+2.8% YoY-1.2% QoQ
|
$-24.9M |
$25.5M
+0.4% YoY
|
$421.4M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 4.4% in tier |
| ROA |
0.7%
-71.3% YoY-48.5% QoQ
|
+0.0% |
0.7%
-731.4% YoY
|
1.0%
+0.3% YoY
|
0.7%
+273.4% YoY
|
48th in tier |
| NIM |
6.1%
-10.6% YoY-7.5% QoQ
|
+2.1% |
3.9%
+3.8% YoY
|
3.8%
+3.9% YoY
|
3.7%
+5.0% YoY
|
Top 4.0% in tier |
| Efficiency Ratio |
71.7%
+9.8% YoY+10.1% QoQ
|
-9.7% |
81.4%
-2.4% YoY
|
72.0%
+0.4% YoY
|
79.1%
-3.3% YoY
|
35th in tier |
| Delinquency Rate |
12.6%
-49.3% YoY+22.8% QoQ
|
+11.1 |
1.5%
-2.0% YoY
|
1.2%
-5.8% YoY
|
1.2%
-0.9% YoY
|
Top 1.8% in tier |
| Loan To Share |
82.8%
-6.5% YoY+6.7% QoQ
|
+21.5% |
61.2%
-3.0% YoY
|
77.1%
-1.2% YoY
|
68.0%
-1.7% YoY
|
Top 19.1% in tier |
| AMR |
$4,233
+1.3% YoY+2.5% QoQ
|
$-10K |
$14,627
-2.7% YoY
|
$20,702
+4.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 6.9% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
22.0%
+1.0% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
9.3%
-2.2% 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 (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
103
Net Interest Margin (NIM)
profitability
Value:
6.07%
Peer Avg: 3.93%
#103 of 2596
Top 3.9% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
491
Loan-to-Share Ratio
balance_sheet
Value:
82.78%
Peer Avg: 61.23%
#491 of 2596
Top 18.9% in <100M tier
Top Weaknesses (9 metrics)
2550
Total Delinquency Rate (60+ days)
risk
Value:
12.60%
Peer Avg: 1.51%
#2550 of 2596
Bottom 1.8% in <100M tier
2492
Total Assets
balance_sheet
Value:
$650,387
Peer Avg: $29.86M
#2492 of 2596
Bottom 4.0% in <100M tier
2483
Total Deposits
balance_sheet
Value:
$539,566
Peer Avg: $25.45M
#2483 of 2596
Bottom 4.4% in <100M tier
2451
Total Members
engagement
Value:
233
Peer Avg: 2,626
#2451 of 2596
Bottom 5.6% in <100M tier
2418
Total Loans
balance_sheet
Value:
$446,639
Peer Avg: $15.77M
#2418 of 2596
Bottom 6.9% in <100M tier
2416
Average Member Relationship (AMR)
engagement
Value:
$4,233
Peer Avg: $14,627
#2416 of 2596
Bottom 7.0% in <100M tier
2311
Fee Income Per Member
profitability
Value:
$2.58
Peer Avg: $182.96
#2311 of 2596
Bottom 11.0% in <100M tier
2283
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,917
Peer Avg: $5,488
#2283 of 2596
Bottom 12.1% in <100M tier
2025
Members Per Employee (MPE)
engagement
Value:
233.000
Peer Avg: 365.701
#2025 of 2596
Bottom 22.0% in <100M tier