RHODE ISLAND

Charter #67269 | RI

100M-500M (1077 CUs) Micro
3 100M-500M in RI

RHODE ISLAND has 6 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 23.5% in tier
  • + Wallet Share Momentum: Top 27.8% in tier
  • + Total Loans: Top 8.0% in tier
  • + Total Deposits: Top 8.4% in tier
  • + Total Assets: Top 9.3% in tier
  • + Total Members: Top 9.7% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 9.6% in tier
  • - Indirect Auto Dependency: Bottom 16.6% in tier
  • - Credit Quality Pressure: Bottom 17.2% in tier
  • - Growth-at-Risk: Bottom 23.7% in tier
  • - Membership Headwinds: Bottom 27.2% in tier
  • - Stagnation Risk: Bottom 32.0% in tier
  • - ROA 0.76% below tier average
  • - Efficiency ratio 16.88% above tier (higher cost structure)

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (RI) National Avg Tier Percentile
Members 27,479
-1.2% YoY+0.0% QoQ
 +11.9K 15,628
-3.4% YoY
 35,904
+9.4% YoY
 33,089
+6.1% YoY
 Top 9.8% in tier
Assets $410.1M
+0.6% YoY-1.6% QoQ
 +$178.8M $231.3M
-0.0% YoY
 $771.6M
+10.6% YoY
 $547.7M
+7.8% YoY
 Top 9.4% in tier
Loans $286.5M
+2.6% YoY+0.7% QoQ
 +$138.7M $147.8M
-1.4% YoY
 $651.4M
+12.0% YoY
 $388.7M
+8.6% YoY
 Top 8.1% in tier
Deposits $362.6M
+0.6% YoY-1.8% QoQ
 +$162.4M $200.3M
-0.0% YoY
 $641.8M
+11.9% YoY
 $464.6M
+9.3% YoY
 Top 8.4% in tier
ROA 0.0%
-97.3% YoY-61.4% QoQ
 -0.8% 0.8%
+15.5% YoY
 0.5%
-21.3% YoY
 0.7%
+273.4% YoY
 Bottom 7.7% in tier
NIM 3.4%
+13.3% YoY+4.0% QoQ
 -0.2% 3.6%
+6.9% YoY
 2.9%
+1.1% YoY
 3.7%
+5.0% YoY
 37th in tier
Efficiency Ratio 94.2%
+29.9% YoY+0.4% QoQ
 +16.9% 77.3%
-3.0% YoY
 83.0%
+4.4% YoY
 79.1%
-3.3% YoY
 Top 5.5% in tier
Delinquency Rate 0.4%
+66.1% YoY-9.3% QoQ
 -0.5 0.9%
+7.6% YoY
 0.5%
-36.2% YoY
 1.2%
-0.9% YoY
 Bottom 23.4% in tier
Loan To Share 79.0%
+2.0% YoY+2.6% QoQ
 +6.3% 72.7%
-1.5% YoY
 78.6%
+0.3% YoY
 68.0%
-1.7% YoY
 60th in tier
AMR $23,623
+2.6% YoY-0.8% QoQ
 $-741 $24,363
+2.9% YoY
 $26,126
+7.2% YoY
 $19,418
+1.3% YoY
 57th in tier
CD Concentration 22.3%
-1.6% YoY-3.8% QoQ
 -2.1% 24.4%
+4.2% YoY
 27.4%
+6.5% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 36.7%
+4.4% YoY+1.1% QoQ
 +22.7% 14.0%
-5.8% YoY
 10.6%
+7.4% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth
#649 of 1006 • Top 23.5% in tier

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

Why This Signature
AMR Growth (YoY): 2.62%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $2.9K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#768 of 1006 • Top 27.8% in tier

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

Why This Signature
AMR Growth (YoY): 2.62%
(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 | Rank worsening

Concerns (6)

Efficiency Drag

risk
#170 of 521 • Bottom 9.6% in tier

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

Why This Signature
Efficiency Ratio: 94.16%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -1.11% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): -1.15%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#267 of 525 • Bottom 16.6% in tier

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

Why This Signature
Asset Growth (YoY): 0.55%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 36.66%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -1.15%
(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

Credit Quality Pressure

risk
#425 of 736 • Bottom 17.2% in tier

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

Why This Signature
Delinquency Change (YoY): 0.14% 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 | Rank improving

Growth-at-Risk

risk
#355 of 446 • Bottom 23.7% in tier

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

Why This Signature
Loan Growth (YoY): 2.55%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 0.14% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 1077 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | New qualifier

Membership Headwinds

decline
#449 of 550 • Bottom 27.2% in tier

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

Why This Signature
Member Growth (YoY): -1.15%
(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 worsening

Stagnation Risk

risk
#527 of 550 • Bottom 32.0% 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: 0.03%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -1.15%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $23.6K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 22.32%
(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 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 1077 peers in tier

Top Strengths (5 metrics)

87
Total Loans
balance_sheet
Value: $286.49M
Peer Avg: $147.80M
#87 of 1077 Top 8.0% in 100M-500M tier
91
Total Deposits
balance_sheet
Value: $362.64M
Peer Avg: $200.29M
#91 of 1077 Top 8.4% in 100M-500M tier
101
Total Assets
balance_sheet
Value: $410.09M
Peer Avg: $231.30M
#101 of 1077 Top 9.3% in 100M-500M tier
106
Total Members
engagement
Value: 27,479
Peer Avg: 15,628
#106 of 1077 Top 9.7% in 100M-500M tier
253
Total Delinquency Rate (60+ days)
risk
Value: 0.36%
Peer Avg: 0.86%
#253 of 1077 Top 23.4% in 100M-500M tier

Top Weaknesses (6 metrics)

1019
Efficiency Ratio
profitability
Value: 94.16%
Peer Avg: 77.28%
#1019 of 1077 Bottom 5.5% in 100M-500M tier
994
Return on Assets (ROA)
profitability
Value: 0.03%
Peer Avg: 0.79%
#994 of 1077 Bottom 7.8% in 100M-500M tier
963
Indirect Auto Concentration (%)
balance_sheet
Value: 36.66%
Peer Avg: 13.34%
#963 of 1077 Bottom 10.7% in 100M-500M tier
954
Fee Income Per Member
profitability
Value: $89.76
Peer Avg: $174.31
#954 of 1077 Bottom 11.5% in 100M-500M tier
842
Asset Growth Rate
growth
Value: 0.55%
Peer Avg: 4.70%
#842 of 1077 Bottom 21.9% in 100M-500M tier
830
Deposit Growth Rate
growth
Value: 0.57%
Peer Avg: 4.69%
#830 of 1077 Bottom 23.0% in 100M-500M tier