EMERGENCY RESPONDERS
Charter #66354 | NC
<100M
(2596 CUs)
Micro
($0-$500M)
32 <100M in NC
EMERGENCY RESPONDERS has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.68% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 7.2% in tier
- + Members Per Employee (MPE): Top 9.7% in tier
Key Concerns
Areas that may need attention
- - ROA 1.64% below tier average
- - Efficiency ratio 14.51% above tier (higher cost structure)
- - Delinquency rate 0.67% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,372
+3.2% YoY+1.2% QoQ
|
+746 |
2,625
-2.2% YoY
|
91,841
+6.6% YoY
|
33,089
+6.1% YoY
|
72nd in tier |
| Assets |
$27.8M
-6.6% YoY-4.1% QoQ
|
$-2.0M |
$29.9M
+1.1% YoY
|
$1.5B
+5.5% YoY
|
$547.7M
+7.8% YoY
|
58th in tier |
| Loans |
$23.5M
-3.8% YoY+1.5% QoQ
|
+$7.8M |
$15.8M
-2.4% YoY
|
$1.1B
+9.9% YoY
|
$388.7M
+8.6% YoY
|
Top 25.0% in tier |
| Deposits |
$24.9M
-3.3% YoY-4.1% QoQ
|
$-597K |
$25.5M
+0.4% YoY
|
$1.3B
+12.1% YoY
|
$464.6M
+9.3% YoY
|
59th in tier |
| ROA |
-1.0%
+102.5% YoY-49.9% QoQ
|
-1.6% |
0.7%
-731.4% YoY
|
0.4%
-19.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 5.7% in tier |
| NIM |
4.6%
+37.9% YoY+4.4% QoQ
|
+0.7% |
3.9%
+3.8% YoY
|
4.1%
+4.0% YoY
|
3.7%
+5.0% YoY
|
Top 23.1% in tier |
| Efficiency Ratio |
95.9%
+10.0% YoY-13.6% QoQ
|
+14.5% |
81.4%
-2.4% YoY
|
81.5%
-1.2% YoY
|
79.1%
-3.3% YoY
|
Top 15.0% in tier |
| Delinquency Rate |
2.2%
+126.1% YoY+54.9% QoQ
|
+0.7 |
1.5%
-2.0% YoY
|
1.5%
+2.4% YoY
|
1.2%
-0.9% YoY
|
Top 18.2% in tier |
| Loan To Share |
94.7%
-0.5% YoY+5.8% QoQ
|
+33.4% |
61.2%
-3.0% YoY
|
76.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
Top 7.4% in tier |
| AMR |
$14,351
-6.5% YoY-2.6% QoQ
|
$-276 |
$14,627
-2.7% YoY
|
$17,441
+4.0% YoY
|
$19,418
+1.3% YoY
|
54th in tier |
| CD Concentration |
21.5%
-15.1% YoY-1.8% QoQ
|
-2.9% |
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 (0)
No strengths identified
Concerns (0)
No concerns identified
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 (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
189
Loan-to-Share Ratio
balance_sheet
Value:
94.68%
Peer Avg: 61.23%
#189 of 2596
Top 7.2% in <100M tier
254
Members Per Employee (MPE)
engagement
Value:
562.000
Peer Avg: 365.701
#254 of 2596
Top 9.7% in <100M tier
301
Member Growth Rate
growth
Value:
3.18%
Peer Avg: 14.92%
#301 of 2596
Top 11.6% in <100M tier
599
Net Interest Margin (NIM)
profitability
Value:
4.62%
Peer Avg: 3.93%
#599 of 2596
Top 23.0% in <100M tier
650
Total Loans
balance_sheet
Value:
$23.53M
Peer Avg: $15.77M
#650 of 2596
Top 25.0% in <100M tier
Top Weaknesses (7 metrics)
2448
Return on Assets (ROA)
profitability
Value:
-0.95%
Peer Avg: 0.68%
#2448 of 2596
Bottom 5.7% in <100M tier
2336
Asset Growth Rate
growth
Value:
-6.61%
Peer Avg: 1.82%
#2336 of 2596
Bottom 10.1% in <100M tier
2246
AMR Growth Rate
growth
Value:
-6.52%
Peer Avg: 4.67%
#2246 of 2596
Bottom 13.5% in <100M tier
2207
Efficiency Ratio
profitability
Value:
95.90%
Peer Avg: 81.39%
#2207 of 2596
Bottom 15.0% in <100M tier
2193
Net Charge-Off Rate
risk
Value:
0.93%
Peer Avg: 0.57%
#2193 of 2596
Bottom 15.6% in <100M tier
2124
Total Delinquency Rate (60+ days)
risk
Value:
2.18%
Peer Avg: 1.51%
#2124 of 2596
Bottom 18.2% in <100M tier
2101
Net Worth Ratio
risk
Value:
10.29%
Peer Avg: 16.43%
#2101 of 2596
Bottom 19.1% in <100M tier