CONNECTS

Charter #6670 | VA

100M-500M (1077 CUs) Micro
25 100M-500M in VA

CONNECTS has 7 strengths but faces 12 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Strong member growth: 73.9% YoY
  • + Member Growth Rate: Top 0.2% in tier
  • + Loan Growth Rate: Top 0.3% in tier
  • + Members Per Employee (MPE): Top 1.4% in tier
  • + Deposit Growth Rate: Top 1.7% in tier
  • + Asset Growth Rate: Top 2.1% in tier
  • + First Mortgage Concentration (%): Top 5.5% in tier

Key Concerns

Areas that may need attention

  • - Shrinking Wallet Share: Bottom 0.7% in tier
  • - Indirect Auto Dependency: Bottom 13.0% in tier
  • - Growth-at-Risk: Bottom 14.7% in tier
  • - Efficiency Drag: Bottom 20.8% in tier
  • - Credit Quality Pressure: Bottom 29.6% in tier
  • - ROA 1.99% below tier average
  • - Efficiency ratio 28.66% above tier (higher cost structure)
  • - Net Worth Ratio: Bottom 0.3% in tier
  • - AMR Growth Rate: Bottom 0.8% in tier
  • - Average Member Relationship (AMR): Bottom 0.9% in tier
  • - Total Assets: Bottom 3.1% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 5.1% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Members 15,558
+73.9% YoY+41.2% QoQ
 -70 15,628
-3.4% YoY
 220,190
+7.3% YoY
 33,089
+6.1% YoY
 59th in tier
Assets $104.8M
+21.7% YoY+3.0% QoQ
 $-126.5M $231.3M
-0.0% YoY
 $2.9B
+6.5% YoY
 $547.7M
+7.8% YoY
 Bottom 3.0% in tier
Loans $75.2M
+65.3% YoY+36.0% QoQ
 $-72.6M $147.8M
-1.4% YoY
 $2.1B
+5.3% YoY
 $388.7M
+8.6% YoY
 Bottom 19.1% in tier
Deposits $99.4M
+25.8% YoY+7.1% QoQ
 $-100.9M $200.3M
-0.0% YoY
 $2.4B
+8.1% YoY
 $464.6M
+9.3% YoY
 Bottom 10.5% in tier
ROA -1.2%
+1486.7% YoY-137.3% QoQ
 -2.0% 0.8%
+15.5% YoY
 0.7%
+11.3% YoY
 0.7%
+273.4% YoY
 Bottom 0.6% in tier
NIM 3.4%
+12.7% YoY-59.2% QoQ
 -0.2% 3.6%
+6.9% YoY
 3.9%
+2.0% YoY
 3.7%
+5.0% YoY
 38th in tier
Efficiency Ratio 105.9%
+13.8% YoY+87.8% QoQ
 +28.7% 77.3%
-3.0% YoY
 80.4%
+0.4% YoY
 79.1%
-3.3% YoY
 Top 1.3% in tier
Delinquency Rate 0.7%
+0.2% YoY-2.3% QoQ
 -0.1 0.9%
+7.6% YoY
 1.7%
+32.7% YoY
 1.2%
-0.9% YoY
 53rd in tier
Loan To Share 75.7%
+31.4% YoY+27.0% QoQ
 +3.0% 72.7%
-1.5% YoY
 66.7%
-4.2% YoY
 68.0%
-1.7% YoY
 53rd in tier
AMR $11,220
-19.4% YoY-16.5% QoQ
 $-13K $24,363
+2.9% YoY
 $18,613
+1.9% YoY
 $19,418
+1.3% YoY
 Bottom 0.8% in tier
CD Concentration 17.9%
+31.6% YoY+33.8% QoQ
 -6.6% 24.4%
+4.2% YoY
 18.8%
+3.1% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 23.4%
-32.5% YoY-26.0% QoQ
 +9.5% 14.0%
-5.8% YoY
 9.7%
-0.5% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Shrinking Wallet Share

decline
#8 of 244 • Bottom 0.7% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -19.36%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 1077 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#209 of 525 • Bottom 13.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 21.68%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 23.44%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 73.89%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | New qualifier

Growth-at-Risk

risk
#221 of 446 • Bottom 14.7% in tier

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

Why This Signature
Loan Growth (YoY): 65.27%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.00% points
(Tier: 0.04% points, National: 0.07% points)
but better than tier avg
446 of 1077 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | New qualifier

Efficiency Drag

risk
#367 of 521 • Bottom 20.8% in tier

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

Why This Signature
Efficiency Ratio: 105.94%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -1.12% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): 73.89%
(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 | New qualifier

Credit Quality Pressure

risk
#733 of 736 • Bottom 29.6% in tier

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

Why This Signature
Delinquency Change (YoY): 0.00% points
(Tier: 0.04% points, National: 0.07% points)
but better than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 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 (6 metrics)

3
Member Growth Rate
growth
Value: 73.89%
Peer Avg: 0.72%
#3 of 1077 Top 0.2% in 100M-500M tier
4
Loan Growth Rate
growth
Value: 65.27%
Peer Avg: 3.45%
#4 of 1077 Top 0.3% in 100M-500M tier
16
Members Per Employee (MPE)
engagement
Value: 648.250
Peer Avg: 332.881
#16 of 1077 Top 1.4% in 100M-500M tier
19
Deposit Growth Rate
growth
Value: 25.79%
Peer Avg: 4.69%
#19 of 1077 Top 1.7% in 100M-500M tier
24
Asset Growth Rate
growth
Value: 21.68%
Peer Avg: 4.70%
#24 of 1077 Top 2.1% in 100M-500M tier
60
First Mortgage Concentration (%)
balance_sheet
Value: 4.58%
Peer Avg: 30.43%
#60 of 1077 Top 5.5% in 100M-500M tier

Top Weaknesses (12 metrics)

1075
Net Worth Ratio
risk
Value: 5.90%
Peer Avg: 12.15%
#1075 of 1077 Bottom 0.3% in 100M-500M tier
1070
Return on Assets (ROA)
profitability
Value: -1.20%
Peer Avg: 0.79%
#1070 of 1077 Bottom 0.7% in 100M-500M tier
1069
AMR Growth Rate
growth
Value: -19.36%
Peer Avg: 3.64%
#1069 of 1077 Bottom 0.8% in 100M-500M tier
1068
Average Member Relationship (AMR)
engagement
Value: $11,220
Peer Avg: $24,363
#1068 of 1077 Bottom 0.9% in 100M-500M tier
1064
Efficiency Ratio
profitability
Value: 105.94%
Peer Avg: 77.28%
#1064 of 1077 Bottom 1.3% in 100M-500M tier
1045
Total Assets
balance_sheet
Value: $104.83M
Peer Avg: $231.30M
#1045 of 1077 Bottom 3.1% in 100M-500M tier
1023
Loan-to-Member Ratio (LMR)
engagement
Value: $4,833
Peer Avg: $10,245
#1023 of 1077 Bottom 5.1% in 100M-500M tier
964
Total Deposits
balance_sheet
Value: $99.36M
Peer Avg: $200.29M
#964 of 1077 Bottom 10.6% in 100M-500M tier
907
Fee Income Per Member
profitability
Value: $102.18
Peer Avg: $174.31
#907 of 1077 Bottom 15.9% in 100M-500M tier
871
Total Loans
balance_sheet
Value: $75.20M
Peer Avg: $147.80M
#871 of 1077 Bottom 19.2% in 100M-500M tier