WEYCO COMMUNITY

Charter #66324 | NC

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

WEYCO COMMUNITY has 6 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 7.0% in tier
  • + Wallet Share Momentum: Top 15.7% in tier
  • + Organic Growth Leader: Top 19.9% in tier
  • + Emerging Performer: Top 20.3% in tier
  • + Organic Growth Engine: Top 26.3% in tier
  • + Indirect Auto Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 9.8% in tier
  • - ROA 0.45% below tier average
  • - Efficiency ratio 6.42% above tier (higher cost structure)
  • - Delinquency rate 1.25% above tier average
  • - First Mortgage Concentration (%): Bottom 3.2% in tier
  • - Total Members: Bottom 4.5% in tier
  • - Total Delinquency Rate (60+ days): Bottom 5.5% in tier
  • - Total Assets: Bottom 8.2% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (NC) National Avg Tier Percentile
Members 5,601
+1.9% YoY+1.1% QoQ
 -10.0K 15,628
-3.4% YoY
 91,841
+6.6% YoY
 33,089
+6.1% YoY
 Bottom 4.4% in tier
Assets $111.8M
+5.7% YoY+0.4% QoQ
 $-119.5M $231.3M
-0.0% YoY
 $1.5B
+5.5% YoY
 $547.7M
+7.8% YoY
 Bottom 8.1% in tier
Loans $63.7M
+10.3% YoY+5.8% QoQ
 $-84.1M $147.8M
-1.4% YoY
 $1.1B
+9.9% YoY
 $388.7M
+8.6% YoY
 Bottom 11.7% in tier
Deposits $100.0M
+5.9% YoY+0.7% QoQ
 $-100.3M $200.3M
-0.0% YoY
 $1.3B
+12.1% YoY
 $464.6M
+9.3% YoY
 Bottom 11.1% in tier
ROA 0.3%
-5.9% YoY+3.2% QoQ
 -0.4% 0.8%
+15.5% YoY
 0.4%
-19.0% YoY
 0.7%
+273.4% YoY
 Bottom 20.9% in tier
NIM 2.9%
+6.9% YoY+3.5% QoQ
 -0.7% 3.6%
+6.9% YoY
 4.1%
+4.0% YoY
 3.7%
+5.0% YoY
 Bottom 14.0% in tier
Efficiency Ratio 83.7%
-1.8% YoY+0.4% QoQ
 +6.4% 77.3%
-3.0% YoY
 81.5%
-1.2% YoY
 79.1%
-3.3% YoY
 73rd in tier
Delinquency Rate 2.1%
-13.2% YoY-3.2% QoQ
 +1.3 0.9%
+7.6% YoY
 1.5%
+2.4% YoY
 1.2%
-0.9% YoY
 Top 5.5% in tier
Loan To Share 63.7%
+4.2% YoY+5.0% QoQ
 -9.0% 72.7%
-1.5% YoY
 76.3%
+1.1% YoY
 68.0%
-1.7% YoY
 28th in tier
AMR $29,217
+5.5% YoY+1.5% QoQ
 +$5K $24,363
+2.9% YoY
 $17,441
+4.0% YoY
 $19,418
+1.3% YoY
 Top 18.9% in tier
CD Concentration 36.3%
+8.6% YoY+2.4% QoQ
 +11.9% 24.4%
+4.2% YoY
 20.6%
+2.2% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 5.3%
-2.9% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (5)

Relationship Depth Leader

growth
#194 of 1006 • Top 7.0% in tier

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

Why This Signature
AMR Growth (YoY): 5.47%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.6K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#433 of 1006 • Top 15.7% in tier

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

Why This Signature
AMR Growth (YoY): 5.47%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Organic Growth Leader

growth
#263 of 430 • Top 19.9% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 1.95%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 1077 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | New qualifier

Emerging Performer

growth
#381 of 627 • Top 20.3% in tier

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

Why This Signature
Return on Assets: 0.34%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): 1.95%
(Tier: 0.88%, National: 9.37%)
better than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank improving

Organic Growth Engine

growth
#483 of 603 • Top 26.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.95%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.34%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 0.00%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Concerns (1)

Efficiency Drag

risk
#174 of 521 • Bottom 9.8% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 83.70%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.02% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): 1.95%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank improving

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)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
157
Loan Growth Rate
growth
Value: 10.26%
Peer Avg: 3.45%
#157 of 1077 Top 14.5% in 100M-500M tier
204
Average Member Relationship (AMR)
engagement
Value: $29,217
Peer Avg: $24,363
#204 of 1077 Top 18.8% in 100M-500M tier

Top Weaknesses (10 metrics)

1044
First Mortgage Concentration (%)
balance_sheet
Value: 67.86%
Peer Avg: 30.43%
#1044 of 1077 Bottom 3.2% in 100M-500M tier
1030
Total Members
engagement
Value: 5,601
Peer Avg: 15,628
#1030 of 1077 Bottom 4.5% in 100M-500M tier
1019
Total Delinquency Rate (60+ days)
risk
Value: 2.11%
Peer Avg: 0.86%
#1019 of 1077 Bottom 5.5% in 100M-500M tier
990
Total Assets
balance_sheet
Value: $111.82M
Peer Avg: $231.30M
#990 of 1077 Bottom 8.2% in 100M-500M tier
957
Total Deposits
balance_sheet
Value: $99.97M
Peer Avg: $200.29M
#957 of 1077 Bottom 11.2% in 100M-500M tier
951
Total Loans
balance_sheet
Value: $63.68M
Peer Avg: $147.80M
#951 of 1077 Bottom 11.8% in 100M-500M tier
943
Share Certificate Concentration (%)
balance_sheet
Value: 36.26%
Peer Avg: 23.61%
#943 of 1077 Bottom 12.5% in 100M-500M tier
926
Net Interest Margin (NIM)
profitability
Value: 2.86%
Peer Avg: 3.58%
#926 of 1077 Bottom 14.1% in 100M-500M tier
906
Members Per Employee (MPE)
engagement
Value: 243.522
Peer Avg: 332.881
#906 of 1077 Bottom 16.0% in 100M-500M tier
852
Return on Assets (ROA)
profitability
Value: 0.34%
Peer Avg: 0.79%
#852 of 1077 Bottom 21.0% in 100M-500M tier