CITY-COUNTY EMPLOYEES
Charter #67323 | FL
<100M
(2596 CUs)
Micro
($0-$500M)
40 <100M in FL
CITY-COUNTY EMPLOYEES has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.56% above tier average
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Deposit Growth Rate: Top 7.1% in tier
- + Asset Growth Rate: Top 8.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.15% below tier average
- - Net Worth Ratio: Bottom 5.2% in tier
- - Net Charge-Off Rate: Bottom 8.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,898
-1.8% YoY-1.4% QoQ
|
+1.3K |
2,625
-2.2% YoY
|
69,671
+4.3% YoY
|
33,089
+6.1% YoY
|
Top 22.3% in tier |
| Assets |
$40.9M
+10.1% YoY+1.2% QoQ
|
+$11.1M |
$29.9M
+1.1% YoY
|
$1.1B
+3.8% YoY
|
$547.7M
+7.8% YoY
|
71st in tier |
| Loans |
$25.3M
-2.3% YoY+1.0% QoQ
|
+$9.5M |
$15.8M
-2.4% YoY
|
$773.4M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
Top 22.8% in tier |
| Deposits |
$37.3M
+11.2% YoY+0.4% QoQ
|
+$11.8M |
$25.5M
+0.4% YoY
|
$908.2M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
73rd in tier |
| ROA |
0.5%
+324.5% YoY-9.5% QoQ
|
-0.2% |
0.7%
-731.4% YoY
|
0.6%
+15.9% YoY
|
0.7%
+273.4% YoY
|
38th in tier |
| NIM |
4.5%
-2.4% YoY+2.3% QoQ
|
+0.6% |
3.9%
+3.8% YoY
|
3.6%
+6.7% YoY
|
3.7%
+5.0% YoY
|
73rd in tier |
| Efficiency Ratio |
73.1%
-2.0% YoY+1.0% QoQ
|
-8.3% |
81.4%
-2.4% YoY
|
79.0%
+0.0% YoY
|
79.1%
-3.3% YoY
|
38th in tier |
| Delinquency Rate |
0.8%
-15.3% YoY-19.8% QoQ
|
-0.7 |
1.5%
-2.0% YoY
|
0.7%
+3.1% YoY
|
1.2%
-0.9% YoY
|
55th in tier |
| Loan To Share |
67.9%
-12.1% YoY+0.6% QoQ
|
+6.7% |
61.2%
-3.0% YoY
|
71.2%
+0.4% YoY
|
68.0%
-1.7% YoY
|
59th in tier |
| AMR |
$16,058
+7.3% YoY+2.1% QoQ
|
+$1K |
$14,627
-2.7% YoY
|
$22,283
+3.7% YoY
|
$19,418
+1.3% YoY
|
63rd in tier |
| CD Concentration |
24.7%
+22.4% YoY+6.3% QoQ
|
+0.3% |
24.4%
+4.2% YoY
|
23.4%
+4.5% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % |
0.3%
-53.6% YoY-15.5% QoQ
|
-13.6% |
14.0%
-5.8% YoY
|
10.9%
-1.4% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (7 metrics)
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
185
Deposit Growth Rate
growth
Value:
11.16%
Peer Avg: 16.80%
#185 of 2596
Top 7.1% in <100M tier
218
Asset Growth Rate
growth
Value:
10.09%
Peer Avg: 1.82%
#218 of 2596
Top 8.4% in <100M tier
425
AMR Growth Rate
growth
Value:
7.28%
Peer Avg: 4.67%
#425 of 2596
Top 16.3% in <100M tier
580
Total Members
engagement
Value:
3,898
Peer Avg: 2,626
#580 of 2596
Top 22.3% in <100M tier
591
Total Loans
balance_sheet
Value:
$25.31M
Peer Avg: $15.77M
#591 of 2596
Top 22.7% in <100M tier
596
Members Per Employee (MPE)
engagement
Value:
433.111
Peer Avg: 365.701
#596 of 2596
Top 22.9% in <100M tier
Top Weaknesses (4 metrics)
2462
Net Worth Ratio
risk
Value:
8.17%
Peer Avg: 16.43%
#2462 of 2596
Bottom 5.2% in <100M tier
2381
Net Charge-Off Rate
risk
Value:
1.53%
Peer Avg: 0.57%
#2381 of 2596
Bottom 8.3% in <100M tier
2211
Indirect Auto Concentration (%)
balance_sheet
Value:
0.33%
Peer Avg: 2.84%
#2211 of 2596
Bottom 14.9% in <100M tier
1958
Share Certificate Concentration (%)
balance_sheet
Value:
24.71%
Peer Avg: 15.37%
#1958 of 2596
Bottom 24.6% in <100M tier