GOVERNMENTAL EMPLOYEES
Charter #66529 | WI
100M-500M
(1077 CUs)
Micro
($0-$500M)
27 100M-500M in WI
GOVERNMENTAL EMPLOYEES has 6 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 16.7% in tier
- + Organic Growth Engine: Top 30.9% in tier
- + Organic Growth Leader: Top 31.8% in tier
- + Relationship Depth Leader: Top 33.1% in tier
- + Wallet Share Momentum: Top 33.6% in tier
- + Net Charge-Off Rate: Top 6.6% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 10.2% in tier
- - Indirect Auto Dependency: Bottom 25.8% in tier
- - Liquidity Strain: Bottom 32.7% in tier
- - ROA 0.03% below tier average
- - Fee Income Per Member: Bottom 3.5% in tier
- - Total Members: Bottom 8.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,662
+0.6% YoY+0.5% QoQ
|
-9.0K |
15,628
-3.4% YoY
|
38,719
+8.7% YoY
|
33,089
+6.1% YoY
|
Bottom 8.2% in tier |
| Assets |
$114.5M
+3.9% YoY-0.2% QoQ
|
$-116.8M |
$231.3M
-0.0% YoY
|
$717.4M
+12.8% YoY
|
$547.7M
+7.8% YoY
|
Bottom 9.9% in tier |
| Loans |
$93.0M
+0.5% YoY+1.4% QoQ
|
$-54.8M |
$147.8M
-1.4% YoY
|
$555.6M
+13.3% YoY
|
$388.7M
+8.6% YoY
|
30th in tier |
| Deposits |
$102.9M
+3.4% YoY-0.4% QoQ
|
$-97.4M |
$200.3M
-0.0% YoY
|
$603.1M
+13.2% YoY
|
$464.6M
+9.3% YoY
|
Bottom 12.8% in tier |
| ROA |
0.8%
+107.2% YoY+29.2% QoQ
|
-0.0% |
0.8%
+15.5% YoY
|
0.7%
-20.1% YoY
|
0.7%
+273.4% YoY
|
49th in tier |
| NIM |
3.1%
+18.5% YoY+3.7% QoQ
|
-0.5% |
3.6%
+6.9% YoY
|
3.5%
-0.2% YoY
|
3.7%
+5.0% YoY
|
Bottom 24.3% in tier |
| Efficiency Ratio |
69.8%
-10.4% YoY-1.9% QoQ
|
-7.5% |
77.3%
-3.0% YoY
|
74.2%
-2.5% YoY
|
79.1%
-3.3% YoY
|
25th in tier |
| Delinquency Rate |
0.8%
+67.2% YoY+10.8% QoQ
|
-0.1 |
0.9%
+7.6% YoY
|
1.0%
+20.8% YoY
|
1.2%
-0.9% YoY
|
58th in tier |
| Loan To Share |
90.4%
-2.8% YoY+1.8% QoQ
|
+17.7% |
72.7%
-1.5% YoY
|
80.3%
+0.1% YoY
|
68.0%
-1.7% YoY
|
Top 15.0% in tier |
| AMR |
$29,414
+1.4% YoY-0.0% QoQ
|
+$5K |
$24,363
+2.9% YoY
|
$22,950
+4.4% YoY
|
$19,418
+1.3% YoY
|
Top 18.4% in tier |
| CD Concentration |
33.5%
-11.7% YoY-6.8% QoQ
|
+9.1% |
24.4%
+4.2% YoY
|
21.1%
+6.2% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % |
19.4%
-2.7% YoY-1.2% QoQ
|
+5.4% |
14.0%
-5.8% YoY
|
8.1%
-7.1% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (5)
Emerging Performer
growth
#314 of 627 • Top 16.7% in tier
Profitable credit union with positive returns. May represent growth potential worth exploring.
Why This Signature
Return on Assets:
0.76%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
0.59%
(Tier:
0.88%, National:
9.37%)
627 of 1077 Community CUs have this signature
| 852 nationally
↑ Growing
+13 CUs YoY
|
Rank improving
Organic Growth Engine
growth
#566 of 603 • Top 30.9% in tier
Growing membership while maintaining profitability. Healthy fundamentals in place.
Why This Signature
Member Growth (YoY):
0.59%
(Tier:
0.88%, National:
9.37%)
Return on Assets:
0.76%
(Tier:
0.77%, National:
0.71%)
Indirect Auto %:
19.40%
(Tier:
13.96%, National:
7.90%)
603 of 1077 Community CUs have this signature
| 917 nationally
→ Stable (608→603 CUs)
-5 CUs YoY
|
New qualifier
Organic Growth Leader
growth
#420 of 430 • Top 31.8% in tier
Attracting members without relying on indirect channels. Healthy, sustainable growth model.
Why This Signature
Member Growth (YoY):
0.59%
(Tier:
0.88%, National:
9.37%)
430 of 1077 Community CUs have this signature
| 608 nationally
↓ Shrinking
-21 CUs YoY
|
New qualifier
Relationship Depth Leader
growth
#914 of 1006 • Top 33.1% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
1.38%
(Tier:
3.68%, National:
4.19%)
Share Draft per Member:
$2.3K
(Tier: $2.8K, National: $2.0K)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
Rank worsening
Wallet Share Momentum
growth
#927 of 1006 • Top 33.6% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
1.38%
(Tier:
3.68%, National:
4.19%)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
Rank worsening
Concerns (3)
Credit Quality Pressure
risk
#254 of 736 • Bottom 10.2% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
0.31% points
(Tier:
0.04% points, National:
0.07% points)
736 of 1077 Community CUs have this signature
| 1002 nationally
↓ Shrinking
-199 CUs YoY
|
Rank improving
Indirect Auto Dependency
risk
#416 of 525 • Bottom 25.8% in tier
Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Why This Signature
Asset Growth (YoY):
3.91%
(Tier:
4.61%, National:
3.04%)
Indirect Auto %:
19.40%
(Tier:
13.96%, National:
7.90%)
Member Growth (YoY):
0.59%
(Tier:
0.88%, National:
9.37%)
525 of 1077 Community CUs have this signature
| 768 nationally
↓ Shrinking
-18 CUs YoY
|
Rank improving
Liquidity Strain
risk
#254 of 258 • Bottom 32.7% in tier
Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Why This Signature
Loan-to-Share Ratio:
90.39%
(Tier:
74.56%, National:
67.96%)
Loan Growth (YoY):
0.48%
(Tier:
3.64%, National:
36.38%)
258 of 1077 Community CUs have this signature
| 484 nationally
↓ Shrinking
-28 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)
Top Strengths (5 metrics)
72
Net Charge-Off Rate
risk
Value:
0.04%
Peer Avg: 0.47%
#72 of 1077
Top 6.6% in 100M-500M tier
145
Loan-to-Member Ratio (LMR)
engagement
Value:
$13,965
Peer Avg: $10,245
#145 of 1077
Top 13.4% in 100M-500M tier
162
Loan-to-Share Ratio
balance_sheet
Value:
90.39%
Peer Avg: 72.70%
#162 of 1077
Top 14.9% in 100M-500M tier
174
Members Per Employee (MPE)
engagement
Value:
416.375
Peer Avg: 332.881
#174 of 1077
Top 16.1% in 100M-500M tier
198
Average Member Relationship (AMR)
engagement
Value:
$29,414
Peer Avg: $24,363
#198 of 1077
Top 18.3% in 100M-500M tier
Top Weaknesses (7 metrics)
1040
Fee Income Per Member
profitability
Value:
$58.70
Peer Avg: $174.31
#1040 of 1077
Bottom 3.5% in 100M-500M tier
989
Total Members
engagement
Value:
6,662
Peer Avg: 15,628
#989 of 1077
Bottom 8.3% in 100M-500M tier
970
Total Assets
balance_sheet
Value:
$114.46M
Peer Avg: $231.30M
#970 of 1077
Bottom 10.0% in 100M-500M tier
939
Total Deposits
balance_sheet
Value:
$102.92M
Peer Avg: $200.29M
#939 of 1077
Bottom 12.9% in 100M-500M tier
872
Share Certificate Concentration (%)
balance_sheet
Value:
33.52%
Peer Avg: 23.61%
#872 of 1077
Bottom 19.1% in 100M-500M tier
863
Net Worth Ratio
risk
Value:
9.47%
Peer Avg: 12.15%
#863 of 1077
Bottom 20.0% in 100M-500M tier
815
Net Interest Margin (NIM)
profitability
Value:
3.13%
Peer Avg: 3.58%
#815 of 1077
Bottom 24.4% in 100M-500M tier