KOHLER

Charter #66872 | WI

500M-750M (169 CUs) Community (281 CUs)
5 500M-750M in WI

KOHLER has 14 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 0.8% in tier
  • + Organic Growth Engine: Top 1.0% in tier
  • + ROA 0.71% above tier average
  • + Net Interest Margin 0.49% above tier average
  • + Strong member growth: 25.2% YoY
  • + Member Growth Rate: Top 1.8% in tier
  • + Share Certificate Concentration (%): Top 1.8% in tier
  • + Asset Growth Rate: Top 2.4% in tier
  • + Total Assets: Top 2.4% in tier
  • + Total Loans: Top 3.0% in tier
  • + Deposit Growth Rate: Top 3.6% in tier
  • + Loan Growth Rate: Top 4.7% in tier
  • + Net Charge-Off Rate: Top 7.7% in tier
  • + Total Members: Top 8.9% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 3.6% in tier
  • - Shrinking Wallet Share: Bottom 7.2% in tier
  • - Growth-at-Risk: Bottom 11.9% in tier
  • - Credit Quality Pressure: Bottom 25.6% in tier
  • - AMR Growth Rate: Bottom 9.5% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Members 55,199
+25.2% YoY+0.6% QoQ
 +15.4K 39,752
-2.7% YoY
 38,719
+8.7% YoY
 33,089
+6.1% YoY
 Top 9.5% in tier
Assets $745.8M
+21.2% YoY-0.3% QoQ
 +$123.4M $622.4M
+0.3% YoY
 $717.4M
+12.8% YoY
 $547.7M
+7.8% YoY
 Top 3.0% in tier
Loans $606.1M
+20.8% YoY+1.0% QoQ
 +$170.2M $435.9M
-0.4% YoY
 $555.6M
+13.3% YoY
 $388.7M
+8.6% YoY
 Top 3.6% in tier
Deposits $621.7M
+18.4% YoY+0.3% QoQ
 +$83.7M $538.0M
+1.3% YoY
 $603.1M
+13.2% YoY
 $464.6M
+9.3% YoY
 Top 14.8% in tier
ROA 1.4%
+134.1% YoY+40.1% QoQ
 +0.7% 0.7%
+33.9% YoY
 0.7%
-20.1% YoY
 0.7%
+273.4% YoY
 Top 9.5% in tier
NIM 3.9%
+28.2% YoY+1.5% QoQ
 +0.5% 3.4%
+8.6% YoY
 3.5%
-0.2% YoY
 3.7%
+5.0% YoY
 Top 16.6% in tier
Efficiency Ratio 73.0%
-14.7% YoY-7.8% QoQ
 -5.1% 78.1%
-3.4% YoY
 74.2%
-2.5% YoY
 79.1%
-3.3% YoY
 25th in tier
Delinquency Rate 0.6%
+6.5% YoY+25.2% QoQ
 -0.2 0.8%
-4.9% YoY
 1.0%
+20.8% YoY
 1.2%
-0.9% YoY
 44th in tier
Loan To Share 97.5%
+2.1% YoY+0.8% QoQ
 +16.5% 81.0%
-1.8% YoY
 80.3%
+0.1% YoY
 68.0%
-1.7% YoY
 Top 11.2% in tier
AMR $22,244
-4.5% YoY+0.0% QoQ
 $-4K $26,482
+2.6% YoY
 $22,950
+4.4% YoY
 $19,418
+1.3% YoY
 31st in tier
CD Concentration 12.5%
-17.4% YoY+15.9% QoQ
 -11.9% 24.4%
+4.2% YoY
 21.1%
+6.2% YoY
 19.6%
+6.2% YoY
 Bottom 13.5% in tier
Indirect Auto % 7.7%
-0.7% YoY-1.1% QoQ
 -6.3% 14.0%
-5.8% YoY
 8.1%
-7.1% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Organic Growth Leader

growth
#11 of 430 • Top 0.8% in tier

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

Why This Signature
Member Growth (YoY): 25.15%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 281 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank improving

Organic Growth Engine

growth
#20 of 603 • Top 1.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 25.15%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 1.37%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 7.70%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Concerns (4)

Liquidity Strain

risk
#29 of 258 • Bottom 3.6% in tier

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

Why This Signature
Loan-to-Share Ratio: 97.49%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 20.84%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
258 of 281 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | Rank improving

Shrinking Wallet Share

decline
#73 of 244 • Bottom 7.2% in tier

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

Why This Signature
AMR Growth (YoY): -4.46%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 281 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY | New qualifier

Growth-at-Risk

risk
#179 of 446 • Bottom 11.9% in tier

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

Why This Signature
Loan Growth (YoY): 20.84%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.03% points
(Tier: 0.04% points, National: 0.07% points)
but better than tier avg
446 of 281 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | Rank improving

Credit Quality Pressure

risk
#635 of 736 • Bottom 25.6% in tier

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

Why This Signature
Delinquency Change (YoY): 0.03% points
(Tier: 0.04% points, National: 0.07% points)
but better than tier avg
736 of 281 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 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)

Comparing against 169 peers in tier

Top Strengths (13 metrics)

4
Member Growth Rate
growth
Value: 25.15%
Peer Avg: 1.75%
#4 of 169 Top 1.8% in 500M-750M tier
4
Share Certificate Concentration (%)
balance_sheet
Value: 12.54%
Peer Avg: 26.87%
#4 of 169 Top 1.8% in 500M-750M tier
5
Asset Growth Rate
growth
Value: 21.23%
Peer Avg: 4.33%
#5 of 169 Top 2.4% in 500M-750M tier
5
Total Assets
balance_sheet
Value: $745.78M
Peer Avg: $622.38M
#5 of 169 Top 2.4% in 500M-750M tier
6
Total Loans
balance_sheet
Value: $606.14M
Peer Avg: $435.95M
#6 of 169 Top 3.0% in 500M-750M tier
7
Deposit Growth Rate
growth
Value: 18.37%
Peer Avg: 5.25%
#7 of 169 Top 3.6% in 500M-750M tier
9
Loan Growth Rate
growth
Value: 20.84%
Peer Avg: 4.04%
#9 of 169 Top 4.7% in 500M-750M tier
14
Net Charge-Off Rate
risk
Value: 0.07%
Peer Avg: 0.51%
#14 of 169 Top 7.7% in 500M-750M tier
16
Return on Assets (ROA)
profitability
Value: 1.37%
Peer Avg: 0.66%
#16 of 169 Top 8.9% in 500M-750M tier
16
Total Members
engagement
Value: 55,199
Peer Avg: 39,752
#16 of 169 Top 8.9% in 500M-750M tier

Top Weaknesses (2 metrics)

154
AMR Growth Rate
growth
Value: -4.46%
Peer Avg: 3.12%
#154 of 169 Bottom 9.5% in 500M-750M tier
138
First Mortgage Concentration (%)
balance_sheet
Value: 46.63%
Peer Avg: 33.53%
#138 of 169 Bottom 18.9% in 500M-750M tier