CEDAR FALLS COMMUNITY
Charter #65565 | IA
100M-500M
(1077 CUs)
Micro
($0-$500M)
17 100M-500M in IA
CEDAR FALLS COMMUNITY has 17 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 3.3% in tier
- + Emerging Performer: Top 3.5% in tier
- + Wallet Share Momentum: Top 4.2% in tier
- + Organic Growth Engine: Top 7.4% in tier
- + Organic Growth Leader: Top 20.2% in tier
- + ROA 0.76% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 2.6% in tier
- + Loan-to-Member Ratio (LMR): Top 3.2% in tier
- + Average Member Relationship (AMR): Top 4.9% in tier
- + Asset Growth Rate: Top 6.4% in tier
- + Deposit Growth Rate: Top 6.9% in tier
- + Loan-to-Share Ratio: Top 8.2% in tier
- + AMR Growth Rate: Top 8.6% in tier
- + Loan Growth Rate: Top 9.1% in tier
- + Net Worth Ratio: Top 9.5% in tier
- + Fee Income Per Member: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Growth-at-Risk: Bottom 7.3% in tier
- - Liquidity Strain: Bottom 10.5% in tier
- - Credit Quality Pressure: Bottom 18.2% in tier
- - Liquidity Overhang: Bottom 21.4% in tier
- - Share Certificate Concentration (%): Bottom 1.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,812
+1.9% YoY+0.5% QoQ
|
-6.8K |
15,628
-3.4% YoY
|
24,664
+0.3% YoY
|
33,089
+6.1% YoY
|
Bottom 21.4% in tier |
| Assets |
$229.0M
+11.8% YoY+2.6% QoQ
|
$-2.3M |
$231.3M
-0.0% YoY
|
$515.3M
+7.1% YoY
|
$547.7M
+7.8% YoY
|
58th in tier |
| Loans |
$179.3M
+12.7% YoY+3.6% QoQ
|
+$31.5M |
$147.8M
-1.4% YoY
|
$418.6M
+8.3% YoY
|
$388.7M
+8.6% YoY
|
70th in tier |
| Deposits |
$189.8M
+12.1% YoY+2.7% QoQ
|
$-10.5M |
$200.3M
-0.0% YoY
|
$421.4M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
56th in tier |
| ROA |
1.5%
-3.4% YoY-4.4% QoQ
|
+0.8% |
0.8%
+15.5% YoY
|
1.0%
+0.3% YoY
|
0.7%
+273.4% YoY
|
Top 11.0% in tier |
| NIM |
3.2%
+6.3% YoY+0.3% QoQ
|
-0.4% |
3.6%
+6.9% YoY
|
3.8%
+3.9% YoY
|
3.7%
+5.0% YoY
|
27th in tier |
| Efficiency Ratio |
51.4%
-8.3% YoY+1.1% QoQ
|
-25.9% |
77.3%
-3.0% YoY
|
72.0%
+0.4% YoY
|
79.1%
-3.3% YoY
|
Bottom 2.6% in tier |
| Delinquency Rate |
0.8%
+19.6% YoY-3.4% QoQ
|
-0.1 |
0.9%
+7.6% YoY
|
1.2%
-5.8% YoY
|
1.2%
-0.9% YoY
|
58th in tier |
| Loan To Share |
94.5%
+0.5% YoY+0.9% QoQ
|
+21.8% |
72.7%
-1.5% YoY
|
77.1%
-1.2% YoY
|
68.0%
-1.7% YoY
|
Top 8.3% in tier |
| AMR |
$41,892
+10.3% YoY+2.6% QoQ
|
+$18K |
$24,363
+2.9% YoY
|
$20,702
+4.3% YoY
|
$19,418
+1.3% YoY
|
Top 5.0% in tier |
| CD Concentration |
50.0%
+8.0% YoY+3.0% QoQ
|
+25.6% |
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 (5)
Relationship Depth Leader
growth
#93 of 1006 • Top 3.3% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
10.27%
(Tier:
3.68%, National:
4.19%)
Share Draft per Member:
$3.1K
(Tier: $2.8K, National: $2.0K)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
Rank worsening
Emerging Performer
growth
#67 of 627 • Top 3.5% in tier
Profitable credit union with positive returns. May represent growth potential worth exploring.
Why This Signature
Return on Assets:
1.54%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
1.92%
(Tier:
0.88%, National:
9.37%)
627 of 1077 Community CUs have this signature
| 852 nationally
↑ Growing
+13 CUs YoY
|
Rank worsening
Wallet Share Momentum
growth
#118 of 1006 • Top 4.2% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
10.27%
(Tier:
3.68%, National:
4.19%)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
Rank worsening
Organic Growth Engine
growth
#137 of 603 • Top 7.4% in tier
Growing membership while maintaining profitability. Healthy fundamentals in place.
Why This Signature
Member Growth (YoY):
1.92%
(Tier:
0.88%, National:
9.37%)
Return on Assets:
1.54%
(Tier:
0.77%, National:
0.71%)
Indirect Auto %:
0.00%
(Tier:
13.96%, National:
7.90%)
603 of 1077 Community CUs have this signature
| 917 nationally
→ Stable (608→603 CUs)
-5 CUs YoY
|
New qualifier
Organic Growth Leader
growth
#267 of 430 • Top 20.2% in tier
Attracting members without relying on indirect channels. Healthy, sustainable growth model.
Why This Signature
Member Growth (YoY):
1.92%
(Tier:
0.88%, National:
9.37%)
430 of 1077 Community CUs have this signature
| 608 nationally
↓ Shrinking
-21 CUs YoY
|
New qualifier
Concerns (4)
Growth-at-Risk
risk
#111 of 446 • Bottom 7.3% in tier
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Why This Signature
Loan Growth (YoY):
12.66%
(Tier:
3.64%, National:
36.38%)
Delinquency Change (YoY):
0.13% points
(Tier:
0.04% points, National:
0.07% points)
446 of 1077 Community CUs have this signature
| 646 nationally
↓ Shrinking
-77 CUs YoY
|
Rank improving
Liquidity Strain
risk
#82 of 258 • Bottom 10.5% in tier
Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Why This Signature
Loan-to-Share Ratio:
94.46%
(Tier:
74.56%, National:
67.96%)
Loan Growth (YoY):
12.66%
(Tier:
3.64%, National:
36.38%)
258 of 1077 Community CUs have this signature
| 484 nationally
↓ Shrinking
-28 CUs YoY
|
Rank improving
Credit Quality Pressure
risk
#450 of 736 • Bottom 18.2% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
0.13% points
(Tier:
0.04% points, National:
0.07% points)
736 of 1077 Community CUs have this signature
| 1002 nationally
↓ Shrinking
-199 CUs YoY
|
Rank worsening
Liquidity Overhang
risk
#332 of 552 • Bottom 21.4% 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:
16.40%
(Tier:
11.95%, National:
14.51%)
Loan-to-Share Ratio:
94.46%
(Tier:
74.56%, National:
67.96%)
552 of 1077 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 (12 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 13.34%
#1 of 1077
Top 0.0% in 100M-500M tier
29
Efficiency Ratio
profitability
Value:
51.42%
Peer Avg: 77.28%
#29 of 1077
Top 2.6% in 100M-500M tier
36
Loan-to-Member Ratio (LMR)
engagement
Value:
$20,349
Peer Avg: $10,245
#36 of 1077
Top 3.2% in 100M-500M tier
54
Average Member Relationship (AMR)
engagement
Value:
$41,892
Peer Avg: $24,363
#54 of 1077
Top 4.9% in 100M-500M tier
70
Asset Growth Rate
growth
Value:
11.85%
Peer Avg: 4.70%
#70 of 1077
Top 6.4% in 100M-500M tier
75
Deposit Growth Rate
growth
Value:
12.12%
Peer Avg: 4.69%
#75 of 1077
Top 6.9% in 100M-500M tier
89
Loan-to-Share Ratio
balance_sheet
Value:
94.46%
Peer Avg: 72.70%
#89 of 1077
Top 8.2% in 100M-500M tier
94
AMR Growth Rate
growth
Value:
10.27%
Peer Avg: 3.64%
#94 of 1077
Top 8.6% in 100M-500M tier
99
Loan Growth Rate
growth
Value:
12.66%
Peer Avg: 3.45%
#99 of 1077
Top 9.1% in 100M-500M tier
103
Net Worth Ratio
risk
Value:
16.40%
Peer Avg: 12.15%
#103 of 1077
Top 9.5% in 100M-500M tier
Top Weaknesses (4 metrics)
1063
Share Certificate Concentration (%)
balance_sheet
Value:
50.05%
Peer Avg: 23.61%
#1063 of 1077
Bottom 1.4% in 100M-500M tier
846
Total Members
engagement
Value:
8,812
Peer Avg: 15,628
#846 of 1077
Bottom 21.5% in 100M-500M tier
843
First Mortgage Concentration (%)
balance_sheet
Value:
44.00%
Peer Avg: 30.43%
#843 of 1077
Bottom 21.8% in 100M-500M tier
843
Members Per Employee (MPE)
engagement
Value:
259.176
Peer Avg: 332.881
#843 of 1077
Bottom 21.8% in 100M-500M tier