ARCHER COOPERATIVE

Charter #66270 | NE

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

ARCHER COOPERATIVE has 11 strengths but faces 14 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 0.2% in tier
  • + Wallet Share Momentum: Top 1.1% in tier
  • + Emerging Performer: Top 24.9% in tier
  • + ROA 0.27% above tier average
  • + Net Interest Margin 0.58% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Loan-to-Share Ratio: Top 1.8% in tier
  • + AMR Growth Rate: Top 2.2% in tier
  • + Loan-to-Member Ratio (LMR): Top 5.2% in tier
  • + Average Member Relationship (AMR): Top 8.4% in tier
  • + Asset Growth Rate: Top 9.2% in tier

Key Concerns

Areas that may need attention

  • - Stagnation Risk: Bottom 0.2% in tier
  • - Liquidity Strain: Bottom 3.0% in tier
  • - Credit Quality Pressure: Bottom 3.2% in tier
  • - Membership Headwinds: Bottom 3.3% in tier
  • - Growth-at-Risk: Bottom 3.5% in tier
  • - Delinquency rate 1.18% above tier average
  • - Member decline: -8.2% YoY
  • - Total Deposits: Bottom 0.8% in tier
  • - Members Per Employee (MPE): Bottom 1.3% in tier
  • - Total Assets: Bottom 2.5% in tier
  • - Total Members: Bottom 2.8% in tier
  • - Share Certificate Concentration (%): Bottom 4.3% in tier
  • - Member Growth Rate: Bottom 4.9% in tier
  • - Total Delinquency Rate (60+ days): Bottom 6.2% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Members 4,857
-8.2% YoY+0.4% QoQ
 -10.8K 15,628
-3.4% YoY
 11,261
+2.9% YoY
 33,089
+6.1% YoY
 Bottom 2.7% in tier
Assets $104.1M
+10.7% YoY+3.7% QoQ
 $-127.2M $231.3M
-0.0% YoY
 $135.7M
+6.0% YoY
 $547.7M
+7.8% YoY
 Bottom 2.4% in tier
Loans $87.5M
+7.7% YoY+3.3% QoQ
 $-60.3M $147.8M
-1.4% YoY
 $98.5M
+7.2% YoY
 $388.7M
+8.6% YoY
 27th in tier
Deposits $84.9M
+8.4% YoY-2.0% QoQ
 $-115.4M $200.3M
-0.0% YoY
 $114.5M
+4.4% YoY
 $464.6M
+9.3% YoY
 Bottom 0.7% in tier
ROA 1.1%
+111.5% YoY+2.8% QoQ
 +0.3% 0.8%
+15.5% YoY
 0.7%
+41.5% YoY
 0.7%
+273.4% YoY
 69th in tier
NIM 4.2%
+6.0% YoY-0.2% QoQ
 +0.6% 3.6%
+6.9% YoY
 4.0%
+7.0% YoY
 3.7%
+5.0% YoY
 Top 18.6% in tier
Efficiency Ratio 71.1%
-7.5% YoY-2.8% QoQ
 -6.2% 77.3%
-3.0% YoY
 80.8%
-5.9% YoY
 79.1%
-3.3% YoY
 28th in tier
Delinquency Rate 2.0%
+54.8% YoY+63.0% QoQ
 +1.2 0.9%
+7.6% YoY
 1.1%
+1.3% YoY
 1.2%
-0.9% YoY
 Top 6.2% in tier
Loan To Share 103.1%
-0.7% YoY+5.4% QoQ
 +30.4% 72.7%
-1.5% YoY
 71.7%
-1.6% YoY
 68.0%
-1.7% YoY
 Top 1.9% in tier
AMR $35,487
+17.7% YoY+0.3% QoQ
 +$11K $24,363
+2.9% YoY
 $16,886
+0.6% YoY
 $19,418
+1.3% YoY
 Top 8.4% in tier
CD Concentration 42.9%
+0.4% YoY+4.5% QoQ
 +18.5% 24.4%
+4.2% YoY
 22.1%
+4.2% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 5.8%
-5.5% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth
#5 of 1006 • Top 0.2% in tier

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

Why This Signature
AMR Growth (YoY): 17.71%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $4.7K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Wallet Share Momentum

growth
#31 of 1006 • Top 1.1% in tier

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

Why This Signature
AMR Growth (YoY): 17.71%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Emerging Performer

growth
#468 of 627 • Top 24.9% in tier

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

Why This Signature
Return on Assets: 1.06%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): -8.24%
(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 | New qualifier

Concerns (5)

Stagnation Risk

risk
#5 of 550 • Bottom 0.2% 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: 1.06%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -8.24%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $35.5K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 42.89%
(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

Liquidity Strain

risk
#24 of 258 • Bottom 3.0% in tier

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

Why This Signature
Loan-to-Share Ratio: 103.08%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 7.66%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
258 of 1077 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | New qualifier

Credit Quality Pressure

risk
#80 of 736 • Bottom 3.2% in tier

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

Why This Signature
Delinquency Change (YoY): 0.72% 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 | New qualifier

Membership Headwinds

decline
#55 of 550 • Bottom 3.3% in tier

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

Why This Signature
Member Growth (YoY): -8.24%
(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

Growth-at-Risk

risk
#54 of 446 • Bottom 3.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 7.66%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.72% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 1077 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | New qualifier

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 (10 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
20
Loan-to-Share Ratio
balance_sheet
Value: 103.08%
Peer Avg: 72.70%
#20 of 1077 Top 1.8% in 100M-500M tier
25
AMR Growth Rate
growth
Value: 17.71%
Peer Avg: 3.64%
#25 of 1077 Top 2.2% in 100M-500M tier
57
Loan-to-Member Ratio (LMR)
engagement
Value: $18,012
Peer Avg: $10,245
#57 of 1077 Top 5.2% in 100M-500M tier
91
Average Member Relationship (AMR)
engagement
Value: $35,487
Peer Avg: $24,363
#91 of 1077 Top 8.4% in 100M-500M tier
100
Asset Growth Rate
growth
Value: 10.67%
Peer Avg: 4.70%
#100 of 1077 Top 9.2% in 100M-500M tier
188
First Mortgage Concentration (%)
balance_sheet
Value: 13.46%
Peer Avg: 30.43%
#188 of 1077 Top 17.4% in 100M-500M tier
197
Deposit Growth Rate
growth
Value: 8.38%
Peer Avg: 4.69%
#197 of 1077 Top 18.2% in 100M-500M tier
200
Net Interest Margin (NIM)
profitability
Value: 4.16%
Peer Avg: 3.58%
#200 of 1077 Top 18.5% in 100M-500M tier
258
Loan Growth Rate
growth
Value: 7.66%
Peer Avg: 3.45%
#258 of 1077 Top 23.9% in 100M-500M tier

Top Weaknesses (8 metrics)

1069
Total Deposits
balance_sheet
Value: $84.88M
Peer Avg: $200.29M
#1069 of 1077 Bottom 0.8% in 100M-500M tier
1064
Members Per Employee (MPE)
engagement
Value: 173.464
Peer Avg: 332.881
#1064 of 1077 Bottom 1.3% in 100M-500M tier
1051
Total Assets
balance_sheet
Value: $104.13M
Peer Avg: $231.30M
#1051 of 1077 Bottom 2.5% in 100M-500M tier
1048
Total Members
engagement
Value: 4,857
Peer Avg: 15,628
#1048 of 1077 Bottom 2.8% in 100M-500M tier
1032
Share Certificate Concentration (%)
balance_sheet
Value: 42.89%
Peer Avg: 23.61%
#1032 of 1077 Bottom 4.3% in 100M-500M tier
1025
Member Growth Rate
growth
Value: -8.24%
Peer Avg: 0.72%
#1025 of 1077 Bottom 4.9% in 100M-500M tier
1011
Total Delinquency Rate (60+ days)
risk
Value: 2.04%
Peer Avg: 0.86%
#1011 of 1077 Bottom 6.2% in 100M-500M tier
826
Net Worth Ratio
risk
Value: 9.73%
Peer Avg: 12.15%
#826 of 1077 Bottom 23.4% in 100M-500M tier