DAY AIR
Charter #66835 | OH
750M-1B
(112 CUs)
Community
($500M-$1B)
(281 CUs)
5 750M-1B in OH
DAY AIR has 7 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 13.4% in tier
- + Wallet Share Momentum: Top 15.3% in tier
- + Relationship Depth Leader: Top 25.7% in tier
- + ROA 0.84% above tier average
- + Net Interest Margin 0.03% above tier average
- + Efficiency Ratio: Top 6.2% in tier
- + Loan-to-Share Ratio: Top 7.1% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 4.1% in tier
- - Indirect Auto Dependency: Bottom 5.5% in tier
- - Liquidity Overhang: Bottom 30.2% in tier
- - Indirect Auto Concentration (%): Bottom 8.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
53,817
+2.4% YoY+0.5% QoQ
|
+1.7K |
52,114
-2.1% YoY
|
16,553
+5.8% YoY
|
33,089
+6.1% YoY
|
54th in tier |
| Assets |
$873.0M
+5.7% YoY+0.4% QoQ
|
+$14.0M |
$859.0M
+0.0% YoY
|
$245.2M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
55th in tier |
| Loans |
$717.9M
+8.1% YoY+0.8% QoQ
|
+$114.5M |
$603.4M
+1.0% YoY
|
$170.6M
+8.7% YoY
|
$388.7M
+8.6% YoY
|
Top 13.4% in tier |
| Deposits |
$715.4M
+8.0% YoY-0.2% QoQ
|
$-18.7M |
$734.2M
+0.9% YoY
|
$209.1M
+9.7% YoY
|
$464.6M
+9.3% YoY
|
44th in tier |
| ROA |
1.6%
+7.9% YoY-4.1% QoQ
|
+0.8% |
0.7%
+27.6% YoY
|
0.5%
-7.3% YoY
|
0.7%
+273.4% YoY
|
Top 7.1% in tier |
| NIM |
3.4%
+15.5% YoY+1.9% QoQ
|
+0.0% |
3.4%
+9.6% YoY
|
3.7%
+3.3% YoY
|
3.7%
+5.0% YoY
|
49th in tier |
| Efficiency Ratio |
56.4%
-1.6% YoY+2.1% QoQ
|
-18.1% |
74.5%
-3.2% YoY
|
83.9%
+3.6% YoY
|
79.1%
-3.3% YoY
|
Bottom 6.2% in tier |
| Delinquency Rate |
0.8%
-7.7% YoY+1.4% QoQ
|
-0.0 |
0.8%
+5.0% YoY
|
1.5%
+29.9% YoY
|
1.2%
-0.9% YoY
|
61st in tier |
| Loan To Share |
100.3%
+0.1% YoY+1.0% QoQ
|
+17.7% |
82.7%
+0.1% YoY
|
63.8%
-2.4% YoY
|
68.0%
-1.7% YoY
|
Top 8.0% in tier |
| AMR |
$26,633
+5.5% YoY-0.2% QoQ
|
$-2K |
$28,651
+2.5% YoY
|
$17,099
+5.9% YoY
|
$19,418
+1.3% YoY
|
49th in tier |
| CD Concentration |
23.8%
-7.8% YoY+0.2% QoQ
|
-0.6% |
24.4%
+4.2% YoY
|
19.2%
+8.0% YoY
|
19.6%
+6.2% YoY
|
48th in tier |
| Indirect Auto % |
43.4%
-1.3% YoY+1.2% QoQ
|
+29.4% |
14.0%
-5.8% YoY
|
11.2%
-0.8% YoY
|
7.9%
-2.9% YoY
|
Top 6.9% in tier |
Signature Analysis
Strengths (3)
Organic Growth Engine
growth
#247 of 603 • Top 13.4% in tier
Growing membership while maintaining profitability. Healthy fundamentals in place.
Why This Signature
Member Growth (YoY):
2.39%
(Tier:
0.88%, National:
9.37%)
Return on Assets:
1.55%
(Tier:
0.77%, National:
0.71%)
Indirect Auto %:
43.37%
(Tier:
13.96%, National:
7.90%)
603 of 281 Community CUs have this signature
| 917 nationally
→ Stable (608→603 CUs)
-5 CUs YoY
|
Rank worsening
Wallet Share Momentum
growth
#422 of 1006 • Top 15.3% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
5.54%
(Tier:
3.68%, National:
4.19%)
1006 of 281 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
Rank improving
Relationship Depth Leader
growth
#710 of 1006 • Top 25.7% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
5.54%
(Tier:
3.68%, National:
4.19%)
Share Draft per Member:
$1.9K
(Tier: $2.8K, National: $2.0K)
1006 of 281 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
Rank worsening
Concerns (3)
Liquidity Strain
risk
#33 of 258 • Bottom 4.1% in tier
Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Why This Signature
Loan-to-Share Ratio:
100.34%
(Tier:
74.56%, National:
67.96%)
Loan Growth (YoY):
8.12%
(Tier:
3.64%, National:
36.38%)
258 of 281 Community CUs have this signature
| 484 nationally
↓ Shrinking
-28 CUs YoY
|
Rank improving
Indirect Auto Dependency
risk
#90 of 525 • Bottom 5.5% in tier
Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Why This Signature
Asset Growth (YoY):
5.68%
(Tier:
4.61%, National:
3.04%)
Indirect Auto %:
43.37%
(Tier:
13.96%, National:
7.90%)
Member Growth (YoY):
2.39%
(Tier:
0.88%, National:
9.37%)
525 of 281 Community CUs have this signature
| 768 nationally
↓ Shrinking
-18 CUs YoY
|
Rank improving
Liquidity Overhang
risk
#468 of 552 • Bottom 30.2% in tier
Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
Why This Signature
Net Worth Ratio:
13.85%
(Tier:
11.95%, National:
14.51%)
Loan-to-Share Ratio:
100.34%
(Tier:
74.56%, National:
67.96%)
552 of 281 Community CUs have this signature
| 691 nationally
↑ Growing
+65 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 (7 metrics)
8
Return on Assets (ROA)
profitability
Value:
1.55%
Peer Avg: 0.71%
#8 of 112
Top 6.2% in 750M-1B tier
8
Efficiency Ratio
profitability
Value:
56.41%
Peer Avg: 74.52%
#8 of 112
Top 6.2% in 750M-1B tier
9
Loan-to-Share Ratio
balance_sheet
Value:
100.34%
Peer Avg: 82.66%
#9 of 112
Top 7.1% in 750M-1B tier
15
Members Per Employee (MPE)
engagement
Value:
463.940
Peer Avg: 361.634
#15 of 112
Top 12.5% in 750M-1B tier
15
Total Loans
balance_sheet
Value:
$717.85M
Peer Avg: $603.36M
#15 of 112
Top 12.5% in 750M-1B tier
19
Net Worth Ratio
risk
Value:
13.85%
Peer Avg: 11.52%
#19 of 112
Top 16.1% in 750M-1B tier
24
Deposit Growth Rate
growth
Value:
8.00%
Peer Avg: 5.03%
#24 of 112
Top 20.5% in 750M-1B tier
Top Weaknesses (1 metrics)
103
Indirect Auto Concentration (%)
balance_sheet
Value:
43.37%
Peer Avg: 16.60%
#103 of 112
Bottom 8.9% in 750M-1B tier