ACCESS COMMUNITY

Charter #67178 | TX

100M-500M (1077 CUs) Micro
79 100M-500M in TX

ACCESS COMMUNITY has 5 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 22.3% in tier
  • + Wallet Share Momentum: Top 29.0% in tier
  • + Relationship Depth Leader: Top 35.6% in tier
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Loan-to-Share Ratio: Top 0.9% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 1.5% in tier
  • - Efficiency Drag: Bottom 2.2% in tier
  • - ROA 0.90% below tier average
  • - Efficiency ratio 21.17% above tier (higher cost structure)
  • - Share Certificate Concentration (%): Bottom 6.3% in tier
  • - Members Per Employee (MPE): Bottom 9.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Members 13,169
+1.6% YoY+1.1% QoQ
 -2.5K 15,628
-3.4% YoY
 26,896
+3.7% YoY
 33,089
+6.1% YoY
 48th in tier
Assets $196.8M
+1.2% YoY+0.7% QoQ
 $-34.5M $231.3M
-0.0% YoY
 $411.3M
+5.9% YoY
 $547.7M
+7.8% YoY
 50th in tier
Loans $171.9M
+8.3% YoY+6.6% QoQ
 +$24.1M $147.8M
-1.4% YoY
 $295.8M
+5.3% YoY
 $388.7M
+8.6% YoY
 68th in tier
Deposits $157.1M
-0.2% YoY-2.3% QoQ
 $-43.2M $200.3M
-0.0% YoY
 $341.5M
+6.1% YoY
 $464.6M
+9.3% YoY
 44th in tier
ROA -0.1%
-442.9% YoY-54.6% QoQ
 -0.9% 0.8%
+15.5% YoY
 0.5%
-24.0% YoY
 0.7%
+273.4% YoY
 Bottom 6.0% in tier
NIM 3.5%
+8.6% YoY+4.6% QoQ
 -0.1% 3.6%
+6.9% YoY
 3.9%
+4.3% YoY
 3.7%
+5.0% YoY
 41st in tier
Efficiency Ratio 98.4%
+0.8% YoY-3.3% QoQ
 +21.2% 77.3%
-3.0% YoY
 79.6%
-0.9% YoY
 79.1%
-3.3% YoY
 Top 3.1% in tier
Delinquency Rate 0.4%
-21.7% YoY+16.4% QoQ
 -0.5 0.9%
+7.6% YoY
 1.2%
+20.3% YoY
 1.2%
-0.9% YoY
 26th in tier
Loan To Share 109.4%
+8.6% YoY+9.1% QoQ
 +36.7% 72.7%
-1.5% YoY
 71.8%
-2.5% YoY
 68.0%
-1.7% YoY
 Top 1.0% in tier
AMR $24,982
+2.4% YoY+1.0% QoQ
 +$619 $24,363
+2.9% YoY
 $17,515
+1.3% YoY
 $19,418
+1.3% YoY
 64th in tier
CD Concentration 40.9%
+4.8% YoY+2.9% QoQ
 +16.5% 24.4%
+4.2% YoY
 20.9%
+7.1% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 7.2%
-0.2% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Organic Growth Leader

growth
#295 of 430 • Top 22.3% in tier

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

Why This Signature
Member Growth (YoY): 1.61%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 1077 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#801 of 1006 • Top 29.0% in tier

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

Why This Signature
AMR Growth (YoY): 2.43%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Relationship Depth Leader

growth
#982 of 1006 • Top 35.6% in tier

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

Why This Signature
AMR Growth (YoY): 2.43%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $1.3K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (2)

Liquidity Strain

risk
#13 of 258 • Bottom 1.5% in tier

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

Why This Signature
Loan-to-Share Ratio: 109.45%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 8.34%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
258 of 1077 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | Rank improving

Efficiency Drag

risk
#39 of 521 • Bottom 2.2% in tier

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

Why This Signature
Efficiency Ratio: 98.45%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.14% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): 1.61%
(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 | 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 1077 peers in tier

Top Strengths (5 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
11
Loan-to-Share Ratio
balance_sheet
Value: 109.45%
Peer Avg: 72.70%
#11 of 1077 Top 0.9% in 100M-500M tier
188
Loan-to-Member Ratio (LMR)
engagement
Value: $13,054
Peer Avg: $10,245
#188 of 1077 Top 17.4% in 100M-500M tier
231
Loan Growth Rate
growth
Value: 8.34%
Peer Avg: 3.45%
#231 of 1077 Top 21.4% in 100M-500M tier
241
Net Charge-Off Rate
risk
Value: 0.15%
Peer Avg: 0.47%
#241 of 1077 Top 22.3% in 100M-500M tier

Top Weaknesses (6 metrics)

1045
Efficiency Ratio
profitability
Value: 98.45%
Peer Avg: 77.28%
#1045 of 1077 Bottom 3.1% in 100M-500M tier
1012
Return on Assets (ROA)
profitability
Value: -0.11%
Peer Avg: 0.79%
#1012 of 1077 Bottom 6.1% in 100M-500M tier
1010
Share Certificate Concentration (%)
balance_sheet
Value: 40.91%
Peer Avg: 23.61%
#1010 of 1077 Bottom 6.3% in 100M-500M tier
971
Members Per Employee (MPE)
engagement
Value: 227.052
Peer Avg: 332.881
#971 of 1077 Bottom 9.9% in 100M-500M tier
894
First Mortgage Concentration (%)
balance_sheet
Value: 47.18%
Peer Avg: 30.43%
#894 of 1077 Bottom 17.1% in 100M-500M tier
890
Deposit Growth Rate
growth
Value: -0.22%
Peer Avg: 4.69%
#890 of 1077 Bottom 17.5% in 100M-500M tier