MEMBERSOWN

Charter #66268 | NE

100M-500M (1077 CUs) Micro
12 100M-500M in NE

MEMBERSOWN has 4 strengths but faces 10 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 17.5% in tier
  • + ROA 0.19% above tier average
  • + Net Interest Margin 1.09% above tier average
  • + First Mortgage Concentration (%): Top 7.5% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 3.4% in tier
  • - Deposit Outflow: Bottom 17.9% in tier
  • - Liquidity Overhang: Bottom 20.0% in tier
  • - Stagnation Risk: Bottom 26.8% in tier
  • - Membership Headwinds: Bottom 30.9% in tier
  • - Indirect Auto Dependency: Bottom 32.0% in tier
  • - Delinquency rate 0.49% above tier average
  • - Total Assets: Bottom 4.6% in tier
  • - Total Deposits: Bottom 4.8% in tier
  • - Asset Growth Rate: Bottom 9.7% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Members 8,967
-0.7% YoY-0.6% QoQ
 -6.7K 15,628
-3.4% YoY
 11,261
+2.9% YoY
 33,089
+6.1% YoY
 Bottom 22.4% in tier
Assets $106.5M
-2.1% YoY-2.2% QoQ
 $-124.8M $231.3M
-0.0% YoY
 $135.7M
+6.0% YoY
 $547.7M
+7.8% YoY
 Bottom 4.5% in tier
Loans $70.5M
+0.4% YoY-0.2% QoQ
 $-77.3M $147.8M
-1.4% YoY
 $98.5M
+7.2% YoY
 $388.7M
+8.6% YoY
 Bottom 15.6% in tier
Deposits $92.5M
-1.3% YoY-2.9% QoQ
 $-107.8M $200.3M
-0.0% YoY
 $114.5M
+4.4% YoY
 $464.6M
+9.3% YoY
 Bottom 4.7% in tier
ROA 1.0%
-3.0% YoY+4.2% QoQ
 +0.2% 0.8%
+15.5% YoY
 0.7%
+41.5% YoY
 0.7%
+273.4% YoY
 64th in tier
NIM 4.7%
+12.7% YoY+3.3% QoQ
 +1.1% 3.6%
+6.9% YoY
 4.0%
+7.0% YoY
 3.7%
+5.0% YoY
 Top 5.9% in tier
Efficiency Ratio 73.5%
-0.5% YoY-0.8% QoQ
 -3.8% 77.3%
-3.0% YoY
 80.8%
-5.9% YoY
 79.1%
-3.3% YoY
 36th in tier
Delinquency Rate 1.4%
+105.4% YoY+23.4% QoQ
 +0.5 0.9%
+7.6% YoY
 1.1%
+1.3% YoY
 1.2%
-0.9% YoY
 Top 17.5% in tier
Loan To Share 76.2%
+1.7% YoY+2.8% QoQ
 +3.5% 72.7%
-1.5% YoY
 71.7%
-1.6% YoY
 68.0%
-1.7% YoY
 54th in tier
AMR $18,168
+0.2% YoY-1.2% QoQ
 $-6K $24,363
+2.9% YoY
 $16,886
+0.6% YoY
 $19,418
+1.3% YoY
 Bottom 23.7% in tier
CD Concentration 27.0%
+4.8% YoY-2.3% QoQ
 +2.6% 24.4%
+4.2% YoY
 22.1%
+4.2% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 17.1%
-3.7% YoY-2.8% QoQ
 +3.2% 14.0%
-5.8% YoY
 5.8%
-5.5% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (1)

Emerging Performer

growth
#329 of 627 • Top 17.5% in tier

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

Why This Signature
Return on Assets: 0.98%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): -0.73%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank worsening

Concerns (6)

Credit Quality Pressure

risk
#84 of 736 • Bottom 3.4% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.69% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank improving

Deposit Outflow

decline
#106 of 114 • Bottom 17.9% in tier

Members staying but deposits leaving. They're losing to higher-yield competitors - rate pressure is real.

Why This Signature
Deposit Growth (YoY): -1.28%
(Tier: 4.79%, National: 12.00%)
worse than tier avg
Total Assets: $106.52M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
114 of 1077 Community CUs have this signature | 143 nationally
↓ Shrinking -169 CUs YoY | Rank improving

Liquidity Overhang

risk
#310 of 552 • Bottom 20.0% 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: 13.85%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 76.22%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank improving

Stagnation Risk

risk
#441 of 550 • Bottom 26.8% 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: 0.98%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -0.73%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $18.2K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 26.96%
(Tier: 24.41%, National: 19.60%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Membership Headwinds

decline
#509 of 550 • Bottom 30.9% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -0.73%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#515 of 525 • Bottom 32.0% in tier

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

Why This Signature
Asset Growth (YoY): -2.14%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 17.12%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -0.73%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 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 1077 peers in tier

Top Strengths (3 metrics)

64
Net Interest Margin (NIM)
profitability
Value: 4.68%
Peer Avg: 3.58%
#64 of 1077 Top 5.8% in 100M-500M tier
82
First Mortgage Concentration (%)
balance_sheet
Value: 6.18%
Peer Avg: 30.43%
#82 of 1077 Top 7.5% in 100M-500M tier
246
Net Worth Ratio
risk
Value: 13.85%
Peer Avg: 12.15%
#246 of 1077 Top 22.7% in 100M-500M tier

Top Weaknesses (10 metrics)

1028
Total Assets
balance_sheet
Value: $106.52M
Peer Avg: $231.30M
#1028 of 1077 Bottom 4.6% in 100M-500M tier
1026
Total Deposits
balance_sheet
Value: $92.45M
Peer Avg: $200.29M
#1026 of 1077 Bottom 4.8% in 100M-500M tier
974
Asset Growth Rate
growth
Value: -2.14%
Peer Avg: 4.70%
#974 of 1077 Bottom 9.7% in 100M-500M tier
951
Deposit Growth Rate
growth
Value: -1.28%
Peer Avg: 4.69%
#951 of 1077 Bottom 11.8% in 100M-500M tier
909
Total Loans
balance_sheet
Value: $70.46M
Peer Avg: $147.80M
#909 of 1077 Bottom 15.7% in 100M-500M tier
889
Total Delinquency Rate (60+ days)
risk
Value: 1.35%
Peer Avg: 0.86%
#889 of 1077 Bottom 17.5% in 100M-500M tier
836
Total Members
engagement
Value: 8,967
Peer Avg: 15,628
#836 of 1077 Bottom 22.5% in 100M-500M tier
832
AMR Growth Rate
growth
Value: 0.16%
Peer Avg: 3.64%
#832 of 1077 Bottom 22.8% in 100M-500M tier
827
Fee Income Per Member
profitability
Value: $115.84
Peer Avg: $174.31
#827 of 1077 Bottom 23.3% in 100M-500M tier
822
Average Member Relationship (AMR)
engagement
Value: $18,168
Peer Avg: $24,363
#822 of 1077 Bottom 23.8% in 100M-500M tier