CO-OP

Charter #66983 | WI

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

CO-OP has 10 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 6.5% in tier
  • + Organic Growth Leader: Top 7.1% in tier
  • + Relationship Depth Leader: Top 15.7% in tier
  • + Wallet Share Momentum: Top 28.2% in tier
  • + ROA 0.36% above tier average
  • + Net Charge-Off Rate: Top 0.0% in tier
  • + Loan-to-Member Ratio (LMR): Top 3.0% in tier
  • + Average Member Relationship (AMR): Top 4.1% in tier
  • + Loan-to-Share Ratio: Top 8.3% in tier
  • + Efficiency Ratio: Top 8.9% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 3.4% in tier
  • - Growth-at-Risk: Bottom 10.2% in tier
  • - Credit Quality Pressure: Bottom 17.8% in tier
  • - Fee Income Per Member: Bottom 2.4% in tier
  • - Members Per Employee (MPE): Bottom 4.7% in tier
  • - Total Members: Bottom 5.3% in tier
  • - First Mortgage Concentration (%): Bottom 7.1% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Members 23,563
+4.6% YoY+0.0% QoQ
 -16.2K 39,752
-2.7% YoY
 38,719
+8.7% YoY
 33,089
+6.1% YoY
 Bottom 4.7% in tier
Assets $573.2M
+5.5% YoY+0.4% QoQ
 $-49.2M $622.4M
+0.3% YoY
 $717.4M
+12.8% YoY
 $547.7M
+7.8% YoY
 32nd in tier
Loans $499.2M
+9.8% YoY+3.4% QoQ
 +$63.3M $435.9M
-0.4% YoY
 $555.6M
+13.3% YoY
 $388.7M
+8.6% YoY
 72nd in tier
Deposits $501.8M
+4.9% YoY+0.2% QoQ
 $-36.3M $538.0M
+1.3% YoY
 $603.1M
+13.2% YoY
 $464.6M
+9.3% YoY
 33rd in tier
ROA 1.0%
+88.1% YoY+4.6% QoQ
 +0.4% 0.7%
+33.9% YoY
 0.7%
-20.1% YoY
 0.7%
+273.4% YoY
 Top 20.7% in tier
NIM 3.0%
+20.3% YoY+2.7% QoQ
 -0.5% 3.4%
+8.6% YoY
 3.5%
-0.2% YoY
 3.7%
+5.0% YoY
 Bottom 20.7% in tier
Efficiency Ratio 66.3%
-15.8% YoY-2.5% QoQ
 -11.8% 78.1%
-3.4% YoY
 74.2%
-2.5% YoY
 79.1%
-3.3% YoY
 Bottom 8.9% in tier
Delinquency Rate 0.5%
+35.2% YoY-3.3% QoQ
 -0.3 0.8%
-4.9% YoY
 1.0%
+20.8% YoY
 1.2%
-0.9% YoY
 38th in tier
Loan To Share 99.5%
+4.7% YoY+3.1% QoQ
 +18.5% 81.0%
-1.8% YoY
 80.3%
+0.1% YoY
 68.0%
-1.7% YoY
 Top 8.9% in tier
AMR $42,480
+2.6% YoY+1.8% QoQ
 +$16K $26,482
+2.6% YoY
 $22,950
+4.4% YoY
 $19,418
+1.3% YoY
 Top 4.7% in tier
CD Concentration 34.3%
-3.9% YoY+3.9% QoQ
 +9.9% 24.4%
+4.2% YoY
 21.1%
+6.2% YoY
 19.6%
+6.2% YoY
 Top 17.7% in tier
Indirect Auto % 3.9%
-18.9% YoY-6.1% QoQ
 -10.1% 14.0%
-5.8% YoY
 8.1%
-7.1% YoY
 7.9%
-2.9% YoY
 43rd in tier

Signature Analysis

Strengths (4)

Organic Growth Engine

growth
#121 of 603 • Top 6.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 4.61%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 1.02%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 3.90%
(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

Organic Growth Leader

growth
#94 of 430 • Top 7.1% in tier

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

Why This Signature
Member Growth (YoY): 4.61%
(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

Relationship Depth Leader

growth
#433 of 1006 • Top 15.7% in tier

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

Why This Signature
AMR Growth (YoY): 2.58%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $3.9K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#777 of 1006 • Top 28.2% in tier

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

Why This Signature
AMR Growth (YoY): 2.58%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Concerns (3)

Liquidity Strain

risk
#27 of 258 • Bottom 3.4% in tier

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

Why This Signature
Loan-to-Share Ratio: 99.49%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 9.85%
(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

Growth-at-Risk

risk
#154 of 446 • Bottom 10.2% in tier

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

Why This Signature
Loan Growth (YoY): 9.85%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.13% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 281 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | Rank improving

Credit Quality Pressure

risk
#440 of 736 • Bottom 17.8% in tier

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

Why This Signature
Delinquency Change (YoY): 0.13% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 281 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 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 169 peers in tier

Top Strengths (8 metrics)

1
Net Charge-Off Rate
risk
Value: 0.01%
Peer Avg: 0.51%
#1 of 169 Top 0.0% in 500M-750M tier
6
Loan-to-Member Ratio (LMR)
engagement
Value: $21,186
Peer Avg: $11,805
#6 of 169 Top 3.0% in 500M-750M tier
8
Average Member Relationship (AMR)
engagement
Value: $42,480
Peer Avg: $26,482
#8 of 169 Top 4.1% in 500M-750M tier
15
Loan-to-Share Ratio
balance_sheet
Value: 99.49%
Peer Avg: 81.02%
#15 of 169 Top 8.3% in 500M-750M tier
16
Efficiency Ratio
profitability
Value: 66.33%
Peer Avg: 78.10%
#16 of 169 Top 8.9% in 500M-750M tier
25
Member Growth Rate
growth
Value: 4.61%
Peer Avg: 1.75%
#25 of 169 Top 14.2% in 500M-750M tier
32
Loan Growth Rate
growth
Value: 9.85%
Peer Avg: 4.04%
#32 of 169 Top 18.3% in 500M-750M tier
35
Return on Assets (ROA)
profitability
Value: 1.02%
Peer Avg: 0.66%
#35 of 169 Top 20.1% in 500M-750M tier

Top Weaknesses (6 metrics)

166
Fee Income Per Member
profitability
Value: $77.16
Peer Avg: $199.27
#166 of 169 Bottom 2.4% in 500M-750M tier
162
Members Per Employee (MPE)
engagement
Value: 226.567
Peer Avg: 338.010
#162 of 169 Bottom 4.7% in 500M-750M tier
161
Total Members
engagement
Value: 23,563
Peer Avg: 39,752
#161 of 169 Bottom 5.3% in 500M-750M tier
158
First Mortgage Concentration (%)
balance_sheet
Value: 56.74%
Peer Avg: 33.53%
#158 of 169 Bottom 7.1% in 500M-750M tier
138
Share Certificate Concentration (%)
balance_sheet
Value: 34.29%
Peer Avg: 26.87%
#138 of 169 Bottom 18.9% in 500M-750M tier
134
Net Interest Margin (NIM)
profitability
Value: 2.97%
Peer Avg: 3.43%
#134 of 169 Bottom 21.3% in 500M-750M tier