THD DISTRICT 17
Charter #67480 | TX
<100M
(2596 CUs)
Micro
($0-$500M)
245 <100M in TX
THD DISTRICT 17 has 3 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.42% below tier average
- - Efficiency ratio 11.50% above tier (higher cost structure)
- - Delinquency rate 2.63% above tier average
- - Loan Growth Rate: Bottom 2.8% in tier
- - AMR Growth Rate: Bottom 5.2% in tier
- - Total Delinquency Rate (60+ days): Bottom 7.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
499
+2.0% YoY+0.8% QoQ
|
-2.1K |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
Bottom 13.8% in tier |
| Assets |
$4.0M
+3.4% YoY+1.5% QoQ
|
$-25.9M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
Bottom 16.2% in tier |
| Loans |
$1.8M
-29.0% YoY+0.0% QoQ
|
$-13.9M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 16.7% in tier |
| Deposits |
$3.1M
+5.0% YoY+2.0% QoQ
|
$-22.3M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
Bottom 16.4% in tier |
| ROA |
0.3%
-74.8% YoY-21.3% QoQ
|
-0.4% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
26th in tier |
| NIM |
3.5%
-7.3% YoY-4.9% QoQ
|
-0.4% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
35th in tier |
| Efficiency Ratio |
92.9%
+24.0% YoY+1.7% QoQ
|
+11.5% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
Top 19.1% in tier |
| Delinquency Rate |
4.1%
+2494.3% YoY-30.9% QoQ
|
+2.6 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
Top 7.9% in tier |
| Loan To Share |
58.6%
-32.4% YoY-1.9% QoQ
|
-2.6% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
46th in tier |
| AMR |
$9,941
-12.6% YoY+0.4% QoQ
|
$-5K |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
28th in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
7.2%
-0.2% 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 (6 metrics)
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
437
Member Growth Rate
growth
Value:
2.04%
Peer Avg: 14.92%
#437 of 2596
Top 16.8% in <100M tier
483
Net Worth Ratio
risk
Value:
21.17%
Peer Avg: 16.43%
#483 of 2596
Top 18.6% in <100M tier
622
Deposit Growth Rate
growth
Value:
4.96%
Peer Avg: 16.80%
#622 of 2596
Top 23.9% in <100M tier
Top Weaknesses (11 metrics)
2525
Loan Growth Rate
growth
Value:
-29.05%
Peer Avg: 59.01%
#2525 of 2596
Bottom 2.8% in <100M tier
2461
AMR Growth Rate
growth
Value:
-12.62%
Peer Avg: 4.67%
#2461 of 2596
Bottom 5.2% in <100M tier
2391
Total Delinquency Rate (60+ days)
risk
Value:
4.14%
Peer Avg: 1.51%
#2391 of 2596
Bottom 7.9% in <100M tier
2303
Members Per Employee (MPE)
engagement
Value:
166.333
Peer Avg: 365.701
#2303 of 2596
Bottom 11.3% in <100M tier
2237
Total Members
engagement
Value:
499
Peer Avg: 2,626
#2237 of 2596
Bottom 13.9% in <100M tier
2175
Total Assets
balance_sheet
Value:
$3.97M
Peer Avg: $29.86M
#2175 of 2596
Bottom 16.3% in <100M tier
2171
Total Deposits
balance_sheet
Value:
$3.13M
Peer Avg: $25.45M
#2171 of 2596
Bottom 16.4% in <100M tier
2163
Total Loans
balance_sheet
Value:
$1.83M
Peer Avg: $15.77M
#2163 of 2596
Bottom 16.7% in <100M tier
2100
Efficiency Ratio
profitability
Value:
92.89%
Peer Avg: 81.39%
#2100 of 2596
Bottom 19.1% in <100M tier
2085
Net Charge-Off Rate
risk
Value:
0.77%
Peer Avg: 0.57%
#2085 of 2596
Bottom 19.7% in <100M tier