SERVICE
Charter #66530 | WI
<100M
(2596 CUs)
Micro
($0-$500M)
53 <100M in WI
SERVICE has 4 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 6.1% in tier
- + Loan-to-Member Ratio (LMR): Top 9.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.02% below tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
997
-1.5% YoY-1.0% QoQ
|
-1.6K |
2,625
-2.2% YoY
|
38,719
+8.7% YoY
|
33,089
+6.1% YoY
|
28th in tier |
| Assets |
$12.8M
-3.9% YoY+0.2% QoQ
|
$-17.0M |
$29.9M
+1.1% YoY
|
$717.4M
+12.8% YoY
|
$547.7M
+7.8% YoY
|
38th in tier |
| Loans |
$9.5M
-1.4% YoY+1.0% QoQ
|
$-6.3M |
$15.8M
-2.4% YoY
|
$555.6M
+13.3% YoY
|
$388.7M
+8.6% YoY
|
50th in tier |
| Deposits |
$9.9M
-5.9% YoY-0.1% QoQ
|
$-15.6M |
$25.5M
+0.4% YoY
|
$603.1M
+13.2% YoY
|
$464.6M
+9.3% YoY
|
36th in tier |
| ROA |
0.7%
+44.4% YoY+9.1% QoQ
|
-0.0% |
0.7%
-731.4% YoY
|
0.7%
-20.1% YoY
|
0.7%
+273.4% YoY
|
45th in tier |
| NIM |
3.2%
+17.3% YoY+0.7% QoQ
|
-0.7% |
3.9%
+3.8% YoY
|
3.5%
-0.2% YoY
|
3.7%
+5.0% YoY
|
Bottom 24.9% in tier |
| Efficiency Ratio |
79.1%
-6.3% YoY-2.4% QoQ
|
-2.3% |
81.4%
-2.4% YoY
|
74.2%
-2.5% YoY
|
79.1%
-3.3% YoY
|
52nd in tier |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.5 |
1.5%
-2.0% YoY
|
1.0%
+20.8% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
96.5%
+4.8% YoY+1.1% QoQ
|
+35.2% |
61.2%
-3.0% YoY
|
80.3%
+0.1% YoY
|
68.0%
-1.7% YoY
|
Top 6.3% in tier |
| AMR |
$19,420
-2.3% YoY+1.5% QoQ
|
+$5K |
$14,627
-2.7% YoY
|
$22,950
+4.4% YoY
|
$19,418
+1.3% YoY
|
Top 22.9% in tier |
| CD Concentration |
28.4%
-9.5% YoY-3.9% QoQ
|
+4.0% |
24.4%
+4.2% YoY
|
21.1%
+6.2% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
8.1%
-7.1% 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
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: 1.51%
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
159
Loan-to-Share Ratio
balance_sheet
Value:
96.46%
Peer Avg: 61.23%
#159 of 2596
Top 6.1% in <100M tier
251
Loan-to-Member Ratio (LMR)
engagement
Value:
$9,535
Peer Avg: $5,488
#251 of 2596
Top 9.6% in <100M tier
409
Net Worth Ratio
risk
Value:
22.37%
Peer Avg: 16.43%
#409 of 2596
Top 15.7% in <100M tier
594
Average Member Relationship (AMR)
engagement
Value:
$19,420
Peer Avg: $14,627
#594 of 2596
Top 22.8% in <100M tier
Top Weaknesses (4 metrics)
2211
Deposit Growth Rate
growth
Value:
-5.88%
Peer Avg: 16.80%
#2211 of 2596
Bottom 14.9% in <100M tier
2131
Asset Growth Rate
growth
Value:
-3.91%
Peer Avg: 1.82%
#2131 of 2596
Bottom 18.0% in <100M tier
2102
Share Certificate Concentration (%)
balance_sheet
Value:
28.40%
Peer Avg: 15.37%
#2102 of 2596
Bottom 19.1% in <100M tier
1949
Net Interest Margin (NIM)
profitability
Value:
3.23%
Peer Avg: 3.93%
#1949 of 2596
Bottom 25.0% in <100M tier