CREDIT UNION 1

Charter #66157 | AK

1B-3B (304 CUs) Mid-Market (380 CUs)
2 1B-3B in AK

CREDIT UNION 1 has 7 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 4.7% in tier
  • + Relationship Depth Leader: Top 11.2% in tier
  • + Organic Growth Engine: Top 12.8% in tier
  • + Wallet Share Momentum: Top 16.8% in tier
  • + ROA 0.52% above tier average
  • + Net Interest Margin 1.35% above tier average
  • + Share Certificate Concentration (%): Top 7.9% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 7.6% in tier
  • - Liquidity Overhang: Bottom 21.8% in tier
  • - Indirect Auto Dependency: Bottom 23.9% in tier
  • - Delinquency rate 0.22% above tier average
  • - Members Per Employee (MPE): Bottom 6.2% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (AK) National Avg Tier Percentile
Members 95,084
+2.8% YoY+0.9% QoQ
 -3.6K 98,678
-1.9% YoY
 113,900
+3.3% YoY
 33,089
+6.1% YoY
 56th in tier
Assets $1.5B
+3.8% YoY+1.2% QoQ
 $-218.4M $1.7B
+0.5% YoY
 $1.8B
+11.8% YoY
 $547.7M
+7.8% YoY
 49th in tier
Loans $1.2B
+10.3% YoY+2.9% QoQ
 $-38.9M $1.2B
+0.5% YoY
 $1.5B
+8.8% YoY
 $388.7M
+8.6% YoY
 58th in tier
Deposits $1.2B
+5.4% YoY+1.0% QoQ
 $-255.8M $1.5B
+1.3% YoY
 $1.6B
+14.4% YoY
 $464.6M
+9.3% YoY
 42nd in tier
ROA 1.2%
+46.1% YoY+38.1% QoQ
 +0.5% 0.7%
+13.4% YoY
 0.6%
+34.6% YoY
 0.7%
+273.4% YoY
 Top 11.8% in tier
NIM 4.6%
+9.6% YoY+2.7% QoQ
 +1.3% 3.3%
+9.3% YoY
 4.2%
+5.6% YoY
 3.7%
+5.0% YoY
 Top 2.3% in tier
Efficiency Ratio 68.3%
-7.6% YoY-5.7% QoQ
 -5.6% 74.0%
-10.9% YoY
 78.1%
-3.3% YoY
 79.1%
-3.3% YoY
 27th in tier
Delinquency Rate 1.0%
-14.5% YoY-4.1% QoQ
 +0.2 0.8%
+6.1% YoY
 0.8%
-14.6% YoY
 1.2%
-0.9% YoY
 Top 22.7% in tier
Loan To Share 99.6%
+4.7% YoY+1.8% QoQ
 +14.4% 85.2%
-0.8% YoY
 77.0%
-0.7% YoY
 68.0%
-1.7% YoY
 Top 15.5% in tier
AMR $25,165
+4.9% YoY+1.0% QoQ
 $-4K $29,172
+2.8% YoY
 $25,886
+3.8% YoY
 $19,418
+1.3% YoY
 36th in tier
CD Concentration 15.8%
+13.9% YoY+2.8% QoQ
 -13.2% 29.0%
+0.8% YoY
 21.9%
+3.2% YoY
 19.6%
+6.2% YoY
 Bottom 7.4% in tier
Indirect Auto % 23.5%
-2.4% YoY+0.5% QoQ
 +4.7% 18.8%
-2.8% YoY
 15.6%
-2.3% YoY
 7.9%
-2.9% YoY
 65th in tier

Signature Analysis

Strengths (4)

Emerging Performer

growth
#26 of 184 • Top 4.7% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 1.22%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Member Growth (YoY): 2.75%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | Rank improving

Relationship Depth Leader

growth
#82 of 264 • Top 11.2% in tier

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

Why This Signature
AMR Growth (YoY): 4.89%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.4K
(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 | New qualifier

Organic Growth Engine

growth
#94 of 246 • Top 12.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.75%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
Return on Assets: 1.22%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 23.52%
(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 | Rank improving

Wallet Share Momentum

growth
#122 of 264 • Top 16.8% in tier

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

Why This Signature
AMR Growth (YoY): 4.89%
(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 | New qualifier

Concerns (3)

Liquidity Strain

risk
#41 of 183 • Bottom 7.6% in tier

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

Why This Signature
Loan-to-Share Ratio: 99.64%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 10.30%
(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

Liquidity Overhang

risk
#71 of 113 • Bottom 21.8% 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: 14.09%
(Tier: 11.30%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 99.64%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
113 of 380 Mid-Market CUs have this signature | 691 nationally
↑ Growing +9 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#148 of 202 • Bottom 23.9% in tier

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

Why This Signature
Asset Growth (YoY): 3.76%
(Tier: 5.36%, National: 3.04%)
worse than tier avg
Indirect Auto %: 23.52%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 2.75%
(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 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)

7
Net Interest Margin (NIM)
profitability
Value: 4.61%
Peer Avg: 3.26%
#7 of 304 Top 2.0% in 1B-3B tier
25
Share Certificate Concentration (%)
balance_sheet
Value: 15.80%
Peer Avg: 28.53%
#25 of 304 Top 7.9% in 1B-3B tier
33
Net Worth Ratio
risk
Value: 14.09%
Peer Avg: 11.44%
#33 of 304 Top 10.5% in 1B-3B tier
36
Return on Assets (ROA)
profitability
Value: 1.22%
Peer Avg: 0.70%
#36 of 304 Top 11.5% in 1B-3B tier
47
Loan-to-Share Ratio
balance_sheet
Value: 99.64%
Peer Avg: 85.19%
#47 of 304 Top 15.1% in 1B-3B tier
57
Loan Growth Rate
growth
Value: 10.30%
Peer Avg: 5.27%
#57 of 304 Top 18.4% in 1B-3B tier
64
Fee Income Per Member
profitability
Value: $257.86
Peer Avg: $210.52
#64 of 304 Top 20.7% in 1B-3B tier

Top Weaknesses (2 metrics)

286
Members Per Employee (MPE)
engagement
Value: 251.545
Peer Avg: 364.953
#286 of 304 Bottom 6.2% in 1B-3B tier
236
Total Delinquency Rate (60+ days)
risk
Value: 1.04%
Peer Avg: 0.83%
#236 of 304 Bottom 22.7% in 1B-3B tier