ARSENAL

Charter #67195 | MO

100M-500M (1077 CUs) Micro
24 100M-500M in MO

ARSENAL has 7 strengths but faces 12 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 13.3% in tier
  • + Relationship Depth Leader: Top 15.9% in tier
  • + Net Interest Margin 0.45% above tier average
  • + Total Deposits: Top 4.1% in tier
  • + Total Loans: Top 6.4% in tier
  • + Total Assets: Top 7.1% in tier
  • + Total Members: Top 7.4% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 3.7% in tier
  • - Membership Headwinds: Bottom 9.2% in tier
  • - Institutional Decline: Bottom 14.0% in tier
  • - Indirect Auto Dependency: Bottom 19.7% in tier
  • - Stagnation Risk: Bottom 19.8% in tier
  • - ROA 0.55% below tier average
  • - Efficiency ratio 2.03% above tier (higher cost structure)
  • - Delinquency rate 1.34% above tier average
  • - Member decline: -4.2% YoY
  • - Net Worth Ratio: Bottom 2.6% in tier
  • - Net Charge-Off Rate: Bottom 4.2% in tier
  • - Total Delinquency Rate (60+ days): Bottom 4.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Members 30,244
-4.2% YoY-0.1% QoQ
 +14.6K 15,628
-3.4% YoY
 15,920
+4.0% YoY
 33,089
+6.1% YoY
 Top 7.5% in tier
Assets $427.6M
+1.2% YoY-0.9% QoQ
 +$196.3M $231.3M
-0.0% YoY
 $210.9M
+9.4% YoY
 $547.7M
+7.8% YoY
 Top 7.1% in tier
Loans $297.0M
-0.9% YoY+2.0% QoQ
 +$149.2M $147.8M
-1.4% YoY
 $147.8M
+9.0% YoY
 $388.7M
+8.6% YoY
 Top 6.5% in tier
Deposits $394.7M
+3.6% YoY-1.5% QoQ
 +$194.4M $200.3M
-0.0% YoY
 $183.9M
+12.2% YoY
 $464.6M
+9.3% YoY
 Top 4.2% in tier
ROA 0.2%
-114.5% YoY-17.3% QoQ
 -0.6% 0.8%
+15.5% YoY
 0.6%
+117.2% YoY
 0.7%
+273.4% YoY
 Bottom 15.2% in tier
NIM 4.0%
+10.1% YoY+4.7% QoQ
 +0.5% 3.6%
+6.9% YoY
 3.8%
+3.2% YoY
 3.7%
+5.0% YoY
 Top 24.6% in tier
Efficiency Ratio 79.3%
-24.2% YoY-0.3% QoQ
 +2.0% 77.3%
-3.0% YoY
 78.5%
-6.5% YoY
 79.1%
-3.3% YoY
 58th in tier
Delinquency Rate 2.2%
+41.0% YoY+7.5% QoQ
 +1.3 0.9%
+7.6% YoY
 1.2%
+9.9% YoY
 1.2%
-0.9% YoY
 Top 4.9% in tier
Loan To Share 75.2%
-4.3% YoY+3.6% QoQ
 +2.5% 72.7%
-1.5% YoY
 72.3%
-3.7% YoY
 68.0%
-1.7% YoY
 52nd in tier
AMR $22,869
+6.1% YoY+0.1% QoQ
 $-1K $24,363
+2.9% YoY
 $16,810
+3.4% YoY
 $19,418
+1.3% YoY
 52nd in tier
CD Concentration 20.3%
-7.3% YoY-4.3% QoQ
 -4.2% 24.4%
+4.2% YoY
 18.1%
+9.5% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 26.7%
-24.5% YoY-5.8% QoQ
 +12.8% 14.0%
-5.8% YoY
 10.3%
-9.1% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#368 of 1006 • Top 13.3% in tier

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

Why This Signature
AMR Growth (YoY): 6.05%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#439 of 1006 • Top 15.9% in tier

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

Why This Signature
AMR Growth (YoY): 6.05%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.5K
(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 | Rank worsening

Concerns (5)

Credit Quality Pressure

risk
#93 of 736 • Bottom 3.7% in tier

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

Why This Signature
Delinquency Change (YoY): 0.64% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | New qualifier

Membership Headwinds

decline
#153 of 550 • Bottom 9.2% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -4.19%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Institutional Decline

decline
#111 of 256 • Bottom 14.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $427.64M
(Tier: $231.30M, National: $547.69M)
but better than tier avg
Member Growth (YoY): -4.19%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -0.86%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
256 of 1077 Community CUs have this signature | 293 nationally
↓ Shrinking -43 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#318 of 525 • Bottom 19.7% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 1.21%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 26.71%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -4.19%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank worsening

Stagnation Risk

risk
#327 of 550 • Bottom 19.8% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.23%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -4.19%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $22.9K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 20.25%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 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 (6 metrics)

45
Total Deposits
balance_sheet
Value: $394.69M
Peer Avg: $200.29M
#45 of 1077 Top 4.1% in 100M-500M tier
70
Total Loans
balance_sheet
Value: $296.95M
Peer Avg: $147.80M
#70 of 1077 Top 6.4% in 100M-500M tier
77
Total Assets
balance_sheet
Value: $427.64M
Peer Avg: $231.30M
#77 of 1077 Top 7.1% in 100M-500M tier
81
Total Members
engagement
Value: 30,244
Peer Avg: 15,628
#81 of 1077 Top 7.4% in 100M-500M tier
236
First Mortgage Concentration (%)
balance_sheet
Value: 15.54%
Peer Avg: 30.43%
#236 of 1077 Top 21.8% in 100M-500M tier
265
Net Interest Margin (NIM)
profitability
Value: 4.04%
Peer Avg: 3.58%
#265 of 1077 Top 24.5% in 100M-500M tier

Top Weaknesses (6 metrics)

1050
Net Worth Ratio
risk
Value: 7.73%
Peer Avg: 12.15%
#1050 of 1077 Bottom 2.6% in 100M-500M tier
1033
Net Charge-Off Rate
risk
Value: 1.43%
Peer Avg: 0.47%
#1033 of 1077 Bottom 4.2% in 100M-500M tier
1025
Total Delinquency Rate (60+ days)
risk
Value: 2.20%
Peer Avg: 0.86%
#1025 of 1077 Bottom 4.9% in 100M-500M tier
947
Member Growth Rate
growth
Value: -4.19%
Peer Avg: 0.72%
#947 of 1077 Bottom 12.2% in 100M-500M tier
913
Return on Assets (ROA)
profitability
Value: 0.23%
Peer Avg: 0.79%
#913 of 1077 Bottom 15.3% in 100M-500M tier
864
Indirect Auto Concentration (%)
balance_sheet
Value: 26.71%
Peer Avg: 13.34%
#864 of 1077 Bottom 19.9% in 100M-500M tier