ALIVE

Charter #67316 | FL

100M-500M (1077 CUs) Micro
35 100M-500M in FL

ALIVE has 2 strengths but faces 11 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 21.1% in tier
  • + Wallet Share Momentum: Top 23.6% in tier

Key Concerns

Areas that may need attention

  • - Stagnation Risk: Bottom 5.6% in tier
  • - Membership Headwinds: Bottom 6.9% in tier
  • - Institutional Decline: Bottom 14.9% in tier
  • - Credit Quality Pressure: Bottom 16.3% in tier
  • - Indirect Auto Dependency: Bottom 21.8% in tier
  • - Flatlined Growth: Bottom 50.5% in tier
  • - ROA 0.00% below tier average
  • - Delinquency rate 0.01% above tier average
  • - Member decline: -5.1% YoY
  • - Deposit Growth Rate: Bottom 8.4% in tier
  • - Member Growth Rate: Bottom 9.5% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Members 18,665
-5.1% YoY-1.0% QoQ
 +3.0K 15,628
-3.4% YoY
 69,671
+4.3% YoY
 33,089
+6.1% YoY
 70th in tier
Assets $279.8M
-1.7% YoY-0.2% QoQ
 +$48.5M $231.3M
-0.0% YoY
 $1.1B
+3.8% YoY
 $547.7M
+7.8% YoY
 70th in tier
Loans $161.4M
-1.1% YoY-2.6% QoQ
 +$13.6M $147.8M
-1.4% YoY
 $773.4M
+7.4% YoY
 $388.7M
+8.6% YoY
 64th in tier
Deposits $246.8M
-2.3% YoY-0.9% QoQ
 +$46.5M $200.3M
-0.0% YoY
 $908.2M
+6.5% YoY
 $464.6M
+9.3% YoY
 70th in tier
ROA 0.8%
+48.5% YoY-2.3% QoQ
 -0.0% 0.8%
+15.5% YoY
 0.6%
+15.9% YoY
 0.7%
+273.4% YoY
 52nd in tier
NIM 3.3%
+22.7% YoY+2.3% QoQ
 -0.3% 3.6%
+6.9% YoY
 3.6%
+6.7% YoY
 3.7%
+5.0% YoY
 30th in tier
Efficiency Ratio 74.0%
-7.7% YoY+1.9% QoQ
 -3.2% 77.3%
-3.0% YoY
 79.0%
+0.0% YoY
 79.1%
-3.3% YoY
 38th in tier
Delinquency Rate 0.9%
+23.1% YoY+21.3% QoQ
 +0.0 0.9%
+7.6% YoY
 0.7%
+3.1% YoY
 1.2%
-0.9% YoY
 64th in tier
Loan To Share 65.4%
+1.2% YoY-1.7% QoQ
 -7.3% 72.7%
-1.5% YoY
 71.2%
+0.4% YoY
 68.0%
-1.7% YoY
 32nd in tier
AMR $21,870
+3.4% YoY-0.6% QoQ
 $-2K $24,363
+2.9% YoY
 $22,283
+3.7% YoY
 $19,418
+1.3% YoY
 46th in tier
CD Concentration 19.4%
+14.3% YoY+8.0% QoQ
 -5.0% 24.4%
+4.2% YoY
 23.4%
+4.5% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 28.3%
-4.0% YoY-0.1% QoQ
 +14.3% 14.0%
-5.8% YoY
 10.9%
-1.4% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth
#583 of 1006 • Top 21.1% in tier

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

Why This Signature
AMR Growth (YoY): 3.41%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $2.8K
(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

Wallet Share Momentum

growth
#652 of 1006 • Top 23.6% in tier

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

Why This Signature
AMR Growth (YoY): 3.41%
(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)

Stagnation Risk

risk
#93 of 550 • Bottom 5.6% 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: 0.78%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -5.08%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $21.9K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 19.36%
(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 | New qualifier

Membership Headwinds

decline
#115 of 550 • Bottom 6.9% in tier

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

Why This Signature
Member Growth (YoY): -5.08%
(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 | New qualifier

Institutional Decline

decline
#118 of 256 • Bottom 14.9% in tier

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

Why This Signature
Total Assets: $279.75M
(Tier: $231.30M, National: $547.69M)
but better than tier avg
Member Growth (YoY): -5.08%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -1.15%
(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

Credit Quality Pressure

risk
#404 of 736 • Bottom 16.3% in tier

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

Why This Signature
Delinquency Change (YoY): 0.16% 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 worsening

Indirect Auto Dependency

risk
#351 of 525 • Bottom 21.8% in tier

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

Why This Signature
Asset Growth (YoY): -1.65%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 28.30%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -5.08%
(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

Flatlined Growth

risk
#53 of 58 • Bottom 50.5% in tier

Asset growth has flattened despite healthy profitability. May indicate a need to reassess growth strategy.

Why This Signature
Total Assets: $279.75M
(Tier: $231.30M, National: $547.69M)
but better than tier avg
Asset Growth (YoY): -1.65%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Return on Assets: 0.78%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
58 of 1077 Community CUs have this signature | 82 nationally
↑ Growing +10 CUs YoY | New qualifier

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 (1 metrics)

239
Fee Income Per Member
profitability
Value: $220.75
Peer Avg: $174.31
#239 of 1077 Top 22.1% in 100M-500M tier

Top Weaknesses (5 metrics)

987
Deposit Growth Rate
growth
Value: -2.28%
Peer Avg: 4.69%
#987 of 1077 Bottom 8.4% in 100M-500M tier
976
Member Growth Rate
growth
Value: -5.08%
Peer Avg: 0.72%
#976 of 1077 Bottom 9.5% in 100M-500M tier
956
Asset Growth Rate
growth
Value: -1.65%
Peer Avg: 4.70%
#956 of 1077 Bottom 11.3% in 100M-500M tier
879
Indirect Auto Concentration (%)
balance_sheet
Value: 28.30%
Peer Avg: 13.34%
#879 of 1077 Bottom 18.5% in 100M-500M tier
842
Net Charge-Off Rate
risk
Value: 0.66%
Peer Avg: 0.47%
#842 of 1077 Bottom 21.9% in 100M-500M tier