COMMUNITYAMERICA

Charter #67664 | KS

5B-7B (34 CUs) Large (64 CUs)
1 5B-7B in KS

COMMUNITYAMERICA has 9 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 0.0% in tier
  • + Emerging Performer: Top 3.5% in tier
  • + Organic Growth Engine: Top 4.0% in tier
  • + ROA 0.11% above tier average
  • + Net Interest Margin 0.59% above tier average
  • + Strong member growth: 13.1% YoY
  • + Fee Income Per Member: Top 0.0% in tier
  • + Member Growth Rate: Top 2.9% in tier
  • + Share Certificate Concentration (%): Top 8.8% in tier

Key Concerns

Areas that may need attention

  • - Growth-at-Risk: Bottom 1.0% in tier
  • - Credit Quality Pressure: Bottom 2.5% in tier
  • - Shrinking Wallet Share: Bottom 22.9% in tier
  • - Indirect Auto Dependency: Bottom 31.3% in tier
  • - Efficiency ratio 9.37% above tier (higher cost structure)
  • - Delinquency rate 0.27% above tier average

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Members 380,564
+13.1% YoY+1.6% QoQ
 +90.8K 289,724
-2.8% YoY
 17,915
-2.9% YoY
 33,089
+6.1% YoY
 Top 17.6% in tier
Assets $5.4B
+0.3% YoY+1.1% QoQ
 $-351.0M $5.8B
+0.2% YoY
 $244.1M
-6.9% YoY
 $547.7M
+7.8% YoY
 35th in tier
Loans $3.7B
+11.3% YoY+3.2% QoQ
 $-348.6M $4.1B
-3.1% YoY
 $175.9M
-4.8% YoY
 $388.7M
+8.6% YoY
 35th in tier
Deposits $4.8B
+12.5% YoY+0.9% QoQ
 $-113.2M $4.9B
+2.2% YoY
 $209.0M
-2.4% YoY
 $464.6M
+9.3% YoY
 47th in tier
ROA 0.9%
+63.5% YoY+13.9% QoQ
 +0.1% 0.8%
+15.5% YoY
 0.7%
+53.0% YoY
 0.7%
+273.4% YoY
 65th in tier
NIM 3.5%
+18.4% YoY+1.3% QoQ
 +0.6% 2.9%
+3.9% YoY
 4.0%
+8.4% YoY
 3.7%
+5.0% YoY
 Top 23.5% in tier
Efficiency Ratio 77.5%
-5.2% YoY-1.9% QoQ
 +9.4% 68.1%
-1.7% YoY
 77.0%
-6.2% YoY
 79.1%
-3.3% YoY
 Top 17.6% in tier
Delinquency Rate 0.9%
+54.9% YoY+36.2% QoQ
 +0.3 0.6%
-2.2% YoY
 1.2%
-23.8% YoY
 1.2%
-0.9% YoY
 Top 17.6% in tier
Loan To Share 78.2%
-1.0% YoY+2.3% QoQ
 -5.4% 83.6%
-5.7% YoY
 71.9%
-2.0% YoY
 68.0%
-1.7% YoY
 26th in tier
AMR $22,359
-1.0% YoY+0.3% QoQ
 $-12K $34,398
+4.0% YoY
 $16,347
+1.3% YoY
 $19,418
+1.3% YoY
 Bottom 8.8% in tier
CD Concentration 18.2%
-7.0% YoY-0.9% QoQ
 -10.6% 28.9%
-1.3% YoY
 24.2%
-2.2% YoY
 19.6%
+6.2% YoY
 Bottom 12.5% in tier
Indirect Auto % 17.3%
-14.3% YoY-0.7% QoQ
 +0.7% 16.6%
-10.3% YoY
 12.4%
-5.6% YoY
 7.9%
-2.9% YoY
 52nd in tier

Signature Analysis

Strengths (3)

Organic Growth Leader

growth
#1 of 28 • Top 0.0% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 13.10%
(Tier: 3.07%, National: 9.37%)
better than tier avg
28 of 64 Large CUs have this signature | 608 nationally
→ Stable (28→28 CUs) | New qualifier

Emerging Performer

growth
#4 of 31 • Top 3.5% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.91%
(Tier: 0.91%, National: 0.71%)
better than tier avg
Member Growth (YoY): 13.10%
(Tier: 3.07%, National: 9.37%)
better than tier avg
31 of 64 Large CUs have this signature | 852 nationally
→ Stable (27→31 CUs) +4 CUs YoY | Rank improving

Organic Growth Engine

growth
#7 of 50 • Top 4.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 13.10%
(Tier: 3.07%, National: 9.37%)
better than tier avg
Return on Assets: 0.91%
(Tier: 0.91%, National: 0.71%)
better than tier avg
Indirect Auto %: 17.26%
(Tier: 16.60%, National: 7.90%)
but worse than tier avg
50 of 64 Large CUs have this signature | 917 nationally
→ Stable (52→50 CUs) -2 CUs YoY | Rank improving

Concerns (4)

Growth-at-Risk

risk
#2 of 25 • Bottom 1.0% in tier

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

Why This Signature
Loan Growth (YoY): 11.32%
(Tier: 4.99%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.32% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
25 of 64 Large CUs have this signature | 646 nationally
↓ Shrinking -13 CUs YoY | New qualifier

Credit Quality Pressure

risk
#4 of 34 • Bottom 2.5% in tier

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

Why This Signature
Delinquency Change (YoY): 0.32% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
34 of 64 Large CUs have this signature | 1002 nationally
↓ Shrinking -17 CUs YoY | New qualifier

Shrinking Wallet Share

decline
#12 of 15 • Bottom 22.9% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -1.00%
(Tier: 2.82%, National: 4.19%)
worse than tier avg
15 of 64 Large CUs have this signature | 346 nationally
↓ Shrinking -6 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#32 of 33 • Bottom 31.3% in tier

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

Why This Signature
Asset Growth (YoY): 0.34%
(Tier: 4.60%, National: 3.04%)
worse than tier avg
Indirect Auto %: 17.26%
(Tier: 16.60%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 13.10%
(Tier: 3.07%, National: 9.37%)
but better than tier avg
33 of 64 Large CUs have this signature | 768 nationally
→ Stable (34→33 CUs) -1 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 34 peers in tier

Top Strengths (7 metrics)

1
Fee Income Per Member
profitability
Value: $407.03
Peer Avg: $213.89
#1 of 34 Top 0.0% in 5B-7B tier
2
Member Growth Rate
growth
Value: 13.10%
Peer Avg: 3.26%
#2 of 34 Top 2.9% in 5B-7B tier
4
Share Certificate Concentration (%)
balance_sheet
Value: 18.22%
Peer Avg: 30.59%
#4 of 34 Top 8.8% in 5B-7B tier
6
Total Members
engagement
Value: 380,564
Peer Avg: 289,725
#6 of 34 Top 14.7% in 5B-7B tier
7
Loan Growth Rate
growth
Value: 11.32%
Peer Avg: 5.95%
#7 of 34 Top 17.6% in 5B-7B tier
7
Deposit Growth Rate
growth
Value: 12.48%
Peer Avg: 8.13%
#7 of 34 Top 17.6% in 5B-7B tier
8
Net Interest Margin (NIM)
profitability
Value: 3.50%
Peer Avg: 2.90%
#8 of 34 Top 20.6% in 5B-7B tier

Top Weaknesses (6 metrics)

31
AMR Growth Rate
growth
Value: -1.00%
Peer Avg: 3.75%
#31 of 34 Bottom 11.8% in 5B-7B tier
31
Average Member Relationship (AMR)
engagement
Value: $22,359
Peer Avg: $34,398
#31 of 34 Bottom 11.8% in 5B-7B tier
30
Loan-to-Member Ratio (LMR)
engagement
Value: $9,812
Peer Avg: $15,308
#30 of 34 Bottom 14.7% in 5B-7B tier
29
Efficiency Ratio
profitability
Value: 77.50%
Peer Avg: 68.13%
#29 of 34 Bottom 17.6% in 5B-7B tier
29
Total Delinquency Rate (60+ days)
risk
Value: 0.89%
Peer Avg: 0.62%
#29 of 34 Bottom 17.6% in 5B-7B tier
28
Asset Growth Rate
growth
Value: 0.34%
Peer Avg: 6.10%
#28 of 34 Bottom 20.6% in 5B-7B tier