WALLED LAKE SCHOOLS
Charter #6613 | MI
100M-500M
(1077 CUs)
Micro
($0-$500M)
67 100M-500M in MI
WALLED LAKE SCHOOLS has 5 strengths but faces 13 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 19.9% in tier
- + Emerging Performer: Top 32.0% in tier
- + Wallet Share Momentum: Top 35.6% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 9.8% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 5.6% in tier
- - Membership Headwinds: Bottom 13.3% in tier
- - Institutional Decline: Bottom 18.8% in tier
- - Stagnation Risk: Bottom 19.2% in tier
- - Credit Quality Pressure: Bottom 21.2% in tier
- - ROA 0.63% below tier average
- - Delinquency rate 0.11% above tier average
- - Member decline: -3.1% YoY
- - Net Interest Margin (NIM): Bottom 0.2% in tier
- - Fee Income Per Member: Bottom 0.5% in tier
- - Total Loans: Bottom 1.1% in tier
- - Loan-to-Share Ratio: Bottom 1.3% in tier
- - Total Members: Bottom 3.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,063
-3.1% YoY-0.5% QoQ
|
-10.6K |
15,628
-3.4% YoY
|
35,456
+8.6% YoY
|
33,089
+6.1% YoY
|
Bottom 3.2% in tier |
| Assets |
$134.7M
+0.2% YoY-1.0% QoQ
|
$-96.6M |
$231.3M
-0.0% YoY
|
$650.8M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 22.7% in tier |
| Loans |
$31.6M
-5.2% YoY-2.7% QoQ
|
$-116.1M |
$147.8M
-1.4% YoY
|
$461.6M
+14.9% YoY
|
$388.7M
+8.6% YoY
|
Bottom 1.0% in tier |
| Deposits |
$116.0M
-1.6% YoY-2.1% QoQ
|
$-84.3M |
$200.3M
-0.0% YoY
|
$550.3M
+12.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 22.7% in tier |
| ROA |
0.2%
-85.0% YoY-79.8% QoQ
|
-0.6% |
0.8%
+15.5% YoY
|
0.8%
-27.1% YoY
|
0.7%
+273.4% YoY
|
Bottom 11.8% in tier |
| NIM |
0.4%
-85.6% YoY-87.1% QoQ
|
-3.2% |
3.6%
+6.9% YoY
|
3.7%
+8.5% YoY
|
3.7%
+5.0% YoY
|
Bottom 0.1% in tier |
| Efficiency Ratio |
61.1%
-11.3% YoY-20.2% QoQ
|
-16.2% |
77.3%
-3.0% YoY
|
76.1%
-1.3% YoY
|
79.1%
-3.3% YoY
|
Bottom 9.8% in tier |
| Delinquency Rate |
1.0%
+8.8% YoY+115.8% QoQ
|
+0.1 |
0.9%
+7.6% YoY
|
0.9%
-19.7% YoY
|
1.2%
-0.9% YoY
|
69th in tier |
| Loan To Share |
27.3%
-3.7% YoY-0.6% QoQ
|
-45.4% |
72.7%
-1.5% YoY
|
68.1%
+0.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 1.2% in tier |
| AMR |
$29,165
+0.7% YoY-1.8% QoQ
|
+$5K |
$24,363
+2.9% YoY
|
$22,054
+2.5% YoY
|
$19,418
+1.3% YoY
|
Top 19.1% in tier |
| CD Concentration |
13.1%
+10.5% YoY+8.3% QoQ
|
-11.3% |
24.4%
+4.2% YoY
|
18.6%
+6.0% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
11.9%
-2.7% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (3)
Relationship Depth Leader
growth
#550 of 1006 • Top 19.9% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
0.70%
(Tier:
3.68%, National:
4.19%)
Share Draft per Member:
$4.7K
(Tier: $2.8K, National: $2.0K)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
New qualifier
Emerging Performer
growth
#601 of 627 • Top 32.0% in tier
Profitable credit union with positive returns. May represent growth potential worth exploring.
Why This Signature
Return on Assets:
0.15%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
-3.10%
(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
#982 of 1006 • Top 35.6% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
0.70%
(Tier:
3.68%, National:
4.19%)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
New qualifier
Concerns (5)
Liquidity Overhang
risk
#87 of 552 • Bottom 5.6% 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:
13.89%
(Tier:
11.95%, National:
14.51%)
Loan-to-Share Ratio:
27.28%
(Tier:
74.56%, National:
67.96%)
552 of 1077 Community CUs have this signature
| 691 nationally
↑ Growing
+65 CUs YoY
|
Rank improving
Membership Headwinds
decline
#220 of 550 • Bottom 13.3% in tier
Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Why This Signature
Member Growth (YoY):
-3.10%
(Tier:
0.88%, National:
9.37%)
550 of 1077 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
Rank improving
Institutional Decline
decline
#149 of 256 • Bottom 18.8% in tier
Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Why This Signature
Total Assets:
$134.72M
(Tier: $231.30M, National: $547.69M)
Member Growth (YoY):
-3.10%
(Tier:
0.88%, National:
9.37%)
Loan Growth (YoY):
-5.22%
(Tier:
3.64%, National:
36.38%)
256 of 1077 Community CUs have this signature
| 293 nationally
↓ Shrinking
-43 CUs YoY
|
New qualifier
Stagnation Risk
risk
#317 of 550 • Bottom 19.2% in tier
Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.
Why This Signature
Return on Assets:
0.15%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
-3.10%
(Tier:
0.88%, National:
9.37%)
Avg Member Relationship:
$29.2K
(Tier: $25.0K, National: $19.4K)
CD Concentration:
13.07%
(Tier:
24.41%, National:
19.60%)
550 of 1077 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
Rank worsening
Credit Quality Pressure
risk
#526 of 736 • Bottom 21.2% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
0.08% 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
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 (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 13.34%
#1 of 1077
Top 0.0% in 100M-500M tier
107
Efficiency Ratio
profitability
Value:
61.07%
Peer Avg: 77.28%
#107 of 1077
Top 9.8% in 100M-500M tier
186
Share Certificate Concentration (%)
balance_sheet
Value:
13.07%
Peer Avg: 23.61%
#186 of 1077
Top 17.2% in 100M-500M tier
206
Average Member Relationship (AMR)
engagement
Value:
$29,165
Peer Avg: $24,363
#206 of 1077
Top 19.0% in 100M-500M tier
244
Net Worth Ratio
risk
Value:
13.89%
Peer Avg: 12.15%
#244 of 1077
Top 22.6% in 100M-500M tier
Top Weaknesses (13 metrics)
1076
Net Interest Margin (NIM)
profitability
Value:
0.39%
Peer Avg: 3.58%
#1076 of 1077
Bottom 0.2% in 100M-500M tier
1073
Fee Income Per Member
profitability
Value:
$10.32
Peer Avg: $174.31
#1073 of 1077
Bottom 0.5% in 100M-500M tier
1066
Total Loans
balance_sheet
Value:
$31.65M
Peer Avg: $147.80M
#1066 of 1077
Bottom 1.1% in 100M-500M tier
1064
Loan-to-Share Ratio
balance_sheet
Value:
27.28%
Peer Avg: 72.70%
#1064 of 1077
Bottom 1.3% in 100M-500M tier
1042
Total Members
engagement
Value:
5,063
Peer Avg: 15,628
#1042 of 1077
Bottom 3.3% in 100M-500M tier
963
Deposit Growth Rate
growth
Value:
-1.63%
Peer Avg: 4.69%
#963 of 1077
Bottom 10.7% in 100M-500M tier
951
Loan Growth Rate
growth
Value:
-5.22%
Peer Avg: 3.45%
#951 of 1077
Bottom 11.8% in 100M-500M tier
950
Return on Assets (ROA)
profitability
Value:
0.15%
Peer Avg: 0.79%
#950 of 1077
Bottom 11.9% in 100M-500M tier
908
Loan-to-Member Ratio (LMR)
engagement
Value:
$6,251
Peer Avg: $10,245
#908 of 1077
Bottom 15.8% in 100M-500M tier
888
Member Growth Rate
growth
Value:
-3.10%
Peer Avg: 0.72%
#888 of 1077
Bottom 17.6% in 100M-500M tier