ELECTRICIANS' LOCAL 349
Charter #67338 | FL
<100M
(2596 CUs)
Micro
($0-$500M)
40 <100M in FL
ELECTRICIANS' LOCAL 349 has 7 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.64% above tier average
- + Net Interest Margin 0.68% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Member decline: -6.4% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
619
-6.4% YoY-1.1% QoQ
|
-2.0K |
2,625
-2.2% YoY
|
69,671
+4.3% YoY
|
33,089
+6.1% YoY
|
Bottom 17.0% in tier |
| Assets |
$4.9M
-3.8% YoY+0.9% QoQ
|
$-25.0M |
$29.9M
+1.1% YoY
|
$1.1B
+3.8% YoY
|
$547.7M
+7.8% YoY
|
Bottom 18.7% in tier |
| Loans |
$1.1M
-7.4% YoY-1.0% QoQ
|
$-14.6M |
$15.8M
-2.4% YoY
|
$773.4M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
Bottom 12.5% in tier |
| Deposits |
$3.9M
-6.5% YoY+0.6% QoQ
|
$-21.6M |
$25.5M
+0.4% YoY
|
$908.2M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 18.7% in tier |
| ROA |
1.3%
-29.0% YoY+10.9% QoQ
|
+0.6% |
0.7%
-731.4% YoY
|
0.6%
+15.9% YoY
|
0.7%
+273.4% YoY
|
74th in tier |
| NIM |
4.6%
-6.8% YoY+1.0% QoQ
|
+0.7% |
3.9%
+3.8% YoY
|
3.6%
+6.7% YoY
|
3.7%
+5.0% YoY
|
Top 23.4% in tier |
| Efficiency Ratio |
71.4%
+14.8% YoY-2.2% QoQ
|
-10.0% |
81.4%
-2.4% YoY
|
79.0%
+0.0% YoY
|
79.1%
-3.3% YoY
|
34th in tier |
| Delinquency Rate |
0.0%
-100.0% YoY-100.0% QoQ
|
-1.5 |
1.5%
-2.0% YoY
|
0.7%
+3.1% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
29.7%
-1.0% YoY-1.6% QoQ
|
-31.5% |
61.2%
-3.0% YoY
|
71.2%
+0.4% YoY
|
68.0%
-1.7% YoY
|
Bottom 9.9% in tier |
| AMR |
$8,094
-0.4% YoY+1.4% QoQ
|
$-7K |
$14,627
-2.7% YoY
|
$22,283
+3.7% YoY
|
$19,418
+1.3% YoY
|
Bottom 19.9% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
23.4%
+4.5% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
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
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: 1.51%
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
562
Net Worth Ratio
risk
Value:
20.20%
Peer Avg: 16.43%
#562 of 2596
Top 21.6% in <100M tier
607
Net Interest Margin (NIM)
profitability
Value:
4.61%
Peer Avg: 3.93%
#607 of 2596
Top 23.3% in <100M tier
Top Weaknesses (11 metrics)
2336
Loan-to-Share Ratio
balance_sheet
Value:
29.70%
Peer Avg: 61.23%
#2336 of 2596
Bottom 10.1% in <100M tier
2296
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,853
Peer Avg: $5,488
#2296 of 2596
Bottom 11.6% in <100M tier
2293
Member Growth Rate
growth
Value:
-6.35%
Peer Avg: 14.92%
#2293 of 2596
Bottom 11.7% in <100M tier
2272
Total Loans
balance_sheet
Value:
$1.15M
Peer Avg: $15.77M
#2272 of 2596
Bottom 12.5% in <100M tier
2261
Deposit Growth Rate
growth
Value:
-6.48%
Peer Avg: 16.80%
#2261 of 2596
Bottom 12.9% in <100M tier
2164
Members Per Employee (MPE)
engagement
Value:
206.333
Peer Avg: 365.701
#2164 of 2596
Bottom 16.7% in <100M tier
2154
Total Members
engagement
Value:
619
Peer Avg: 2,626
#2154 of 2596
Bottom 17.1% in <100M tier
2120
Asset Growth Rate
growth
Value:
-3.77%
Peer Avg: 1.82%
#2120 of 2596
Bottom 18.4% in <100M tier
2111
Total Deposits
balance_sheet
Value:
$3.86M
Peer Avg: $25.45M
#2111 of 2596
Bottom 18.7% in <100M tier
2110
Total Assets
balance_sheet
Value:
$4.85M
Peer Avg: $29.86M
#2110 of 2596
Bottom 18.8% in <100M tier