FOX COMMUNITIES

Charter #66731 | WI

3B-5B (76 CUs) Mid-Market (380 CUs)
5 3B-5B in WI

FOX COMMUNITIES has 5 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 4.8% in tier
  • + Organic Growth Leader: Top 13.3% in tier
  • + Relationship Depth Leader: Top 16.8% in tier
  • + Wallet Share Momentum: Top 19.9% in tier
  • + ROA 0.28% above tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 1.9% in tier
  • - Growth-at-Risk: Bottom 13.5% in tier
  • - Credit Quality Pressure: Bottom 24.2% in tier
  • - Total Deposits: Bottom 2.6% in tier
  • - Total Members: Bottom 6.6% in tier
  • - Members Per Employee (MPE): Bottom 9.2% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Members 139,167
+4.7% YoY+1.5% QoQ
 -99.3K 238,465
+0.6% YoY
 38,719
+8.7% YoY
 33,089
+6.1% YoY
 Bottom 5.3% in tier
Assets $3.2B
+3.3% YoY+2.7% QoQ
 $-735.9M $4.0B
-0.1% YoY
 $717.4M
+12.8% YoY
 $547.7M
+7.8% YoY
 Bottom 10.5% in tier
Loans $2.6B
+12.8% YoY+3.9% QoQ
 $-452.4M $3.0B
+3.3% YoY
 $555.6M
+13.3% YoY
 $388.7M
+8.6% YoY
 Bottom 21.1% in tier
Deposits $2.5B
+5.1% YoY+3.0% QoQ
 $-838.7M $3.3B
+1.1% YoY
 $603.1M
+13.2% YoY
 $464.6M
+9.3% YoY
 Bottom 1.3% in tier
ROA 1.0%
+37.3% YoY+7.7% QoQ
 +0.3% 0.7%
+5.3% YoY
 0.7%
-20.1% YoY
 0.7%
+273.4% YoY
 66th in tier
NIM 2.8%
+23.2% YoY+2.5% QoQ
 -0.4% 3.2%
+13.7% YoY
 3.5%
-0.2% YoY
 3.7%
+5.0% YoY
 26th in tier
Efficiency Ratio 68.1%
-7.8% YoY-1.7% QoQ
 -3.2% 71.3%
-0.6% YoY
 74.2%
-2.5% YoY
 79.1%
-3.3% YoY
 41st in tier
Delinquency Rate 0.3%
+9.0% YoY+11.4% QoQ
 -0.5 0.8%
+15.9% YoY
 1.0%
+20.8% YoY
 1.2%
-0.9% YoY
 Bottom 15.8% in tier
Loan To Share 102.9%
+7.4% YoY+0.9% QoQ
 +12.0% 90.8%
+2.0% YoY
 80.3%
+0.1% YoY
 68.0%
-1.7% YoY
 Top 15.8% in tier
AMR $36,366
+3.9% YoY+1.9% QoQ
 +$7K $29,088
+0.1% YoY
 $22,950
+4.4% YoY
 $19,418
+1.3% YoY
 Top 15.8% in tier
CD Concentration 29.4%
-8.3% YoY-2.7% QoQ
 +0.4% 29.0%
+0.8% YoY
 21.1%
+6.2% YoY
 19.6%
+6.2% YoY
 53rd in tier
Indirect Auto % 9.1%
+2.0% YoY+1.9% QoQ
 -9.7% 18.8%
-2.8% YoY
 8.1%
-7.1% YoY
 7.9%
-2.9% YoY
 34th in tier

Signature Analysis

Strengths (4)

Organic Growth Engine

growth
#36 of 246 • Top 4.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 4.74%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 1.03%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 9.10%
(Tier: 18.80%, National: 7.90%)
better than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank improving

Organic Growth Leader

growth
#53 of 138 • Top 13.3% in tier

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

Why This Signature
Member Growth (YoY): 4.74%
(Tier: 3.18%, National: 9.37%)
better than tier avg
138 of 380 Mid-Market CUs have this signature | 608 nationally
↑ Growing +11 CUs YoY | Rank improving

Relationship Depth Leader

growth
#122 of 264 • Top 16.8% in tier

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

Why This Signature
AMR Growth (YoY): 3.95%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.2K
(Tier: $3.1K, National: $2.0K)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Wallet Share Momentum

growth
#145 of 264 • Top 19.9% in tier

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

Why This Signature
AMR Growth (YoY): 3.95%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Concerns (3)

Liquidity Strain

risk
#11 of 183 • Bottom 1.9% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 102.89%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 12.83%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY | Rank improving

Growth-at-Risk

risk
#76 of 161 • Bottom 13.5% in tier

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

Why This Signature
Loan Growth (YoY): 12.83%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.03% points
(Tier: 0.07% points, National: 0.07% points)
but better than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 CUs YoY | Rank improving

Credit Quality Pressure

risk
#186 of 217 • Bottom 24.2% in tier

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

Why This Signature
Delinquency Change (YoY): 0.03% points
(Tier: 0.07% points, National: 0.07% points)
but better than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 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 76 peers in tier

Top Strengths (7 metrics)

9
Net Charge-Off Rate
risk
Value: 0.16%
Peer Avg: 0.64%
#9 of 76 Top 10.5% in 3B-5B tier
9
Loan-to-Member Ratio (LMR)
engagement
Value: $18,442
Peer Avg: $13,761
#9 of 76 Top 10.5% in 3B-5B tier
12
Loan-to-Share Ratio
balance_sheet
Value: 102.89%
Peer Avg: 90.85%
#12 of 76 Top 14.5% in 3B-5B tier
12
Average Member Relationship (AMR)
engagement
Value: $36,366
Peer Avg: $29,088
#12 of 76 Top 14.5% in 3B-5B tier
13
Total Delinquency Rate (60+ days)
risk
Value: 0.32%
Peer Avg: 0.84%
#13 of 76 Top 15.8% in 3B-5B tier
14
Loan Growth Rate
growth
Value: 12.83%
Peer Avg: 9.56%
#14 of 76 Top 17.1% in 3B-5B tier
20
Indirect Auto Concentration (%)
balance_sheet
Value: 9.10%
Peer Avg: 20.57%
#20 of 76 Top 25.0% in 3B-5B tier

Top Weaknesses (5 metrics)

75
Total Deposits
balance_sheet
Value: $2.49B
Peer Avg: $3.33B
#75 of 76 Bottom 2.6% in 3B-5B tier
72
Total Members
engagement
Value: 139,167
Peer Avg: 238,466
#72 of 76 Bottom 6.6% in 3B-5B tier
70
Members Per Employee (MPE)
engagement
Value: 279.452
Peer Avg: 433.941
#70 of 76 Bottom 9.2% in 3B-5B tier
68
Total Assets
balance_sheet
Value: $3.23B
Peer Avg: $3.97B
#68 of 76 Bottom 11.8% in 3B-5B tier
60
Total Loans
balance_sheet
Value: $2.57B
Peer Avg: $3.02B
#60 of 76 Bottom 22.4% in 3B-5B tier