CITY
Charter #67669 | TX
500M-750M
(169 CUs)
Community
($500M-$1B)
(281 CUs)
16 500M-750M in TX
CITY has 2 strengths but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.02% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 2.7% in tier
- - Accelerating Exit Risk: Bottom 4.6% in tier
- - Shrinking Wallet Share: Bottom 9.1% in tier
- - Membership Headwinds: Bottom 14.7% in tier
- - Stagnation Risk: Bottom 17.6% in tier
- - ROA 0.30% below tier average
- - Delinquency rate 0.77% above tier average
- - Member decline: -2.9% YoY
- - Loan Growth Rate: Bottom 4.1% in tier
- - Net Charge-Off Rate: Bottom 5.3% in tier
- - Deposit Growth Rate: Bottom 8.9% in tier
- - Loan-to-Share Ratio: Bottom 8.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
34,298
-2.9% YoY-0.4% QoQ
|
-5.5K |
39,752
-2.7% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
35th in tier |
| Assets |
$640.3M
-1.7% YoY-1.2% QoQ
|
+$17.9M |
$622.4M
+0.3% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
57th in tier |
| Loans |
$337.9M
-11.9% YoY-2.9% QoQ
|
$-98.0M |
$435.9M
-0.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 13.6% in tier |
| Deposits |
$558.5M
-2.7% YoY-1.4% QoQ
|
+$20.4M |
$538.0M
+1.3% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
63rd in tier |
| ROA |
0.4%
-16.8% YoY-1.1% QoQ
|
-0.3% |
0.7%
+33.9% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
31st in tier |
| NIM |
3.4%
+11.3% YoY+1.2% QoQ
|
+0.0% |
3.4%
+8.6% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
49th in tier |
| Efficiency Ratio |
75.4%
-1.9% YoY-0.1% QoQ
|
-2.7% |
78.1%
-3.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
34th in tier |
| Delinquency Rate |
1.6%
-24.9% YoY-8.4% QoQ
|
+0.8 |
0.8%
-4.9% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
Top 11.8% in tier |
| Loan To Share |
60.5%
-9.5% YoY-1.5% QoQ
|
-20.5% |
81.0%
-1.8% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
Bottom 8.3% in tier |
| AMR |
$26,135
-3.6% YoY-1.6% QoQ
|
$-347 |
$26,482
+2.6% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
57th in tier |
| CD Concentration |
28.7%
-5.8% YoY-0.5% QoQ
|
+4.3% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
67th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
Bottom 0.0% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (5)
Institutional Decline
decline
#22 of 256 • Bottom 2.7% in tier
Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Why This Signature
Total Assets:
$640.27M
(Tier: $622.38M, National: $547.69M)
Member Growth (YoY):
-2.86%
(Tier:
0.88%, National:
9.37%)
Loan Growth (YoY):
-11.94%
(Tier:
3.64%, National:
36.38%)
256 of 281 Community CUs have this signature
| 293 nationally
↓ Shrinking
-43 CUs YoY
|
New qualifier
Accelerating Exit Risk
decline
#13 of 58 • Bottom 4.6% in tier
Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Why This Signature
Member Growth (YoY):
-2.86%
(Tier:
0.88%, National:
9.37%)
AMR Growth (YoY):
-3.64%
(Tier:
3.68%, National:
4.19%)
58 of 281 Community CUs have this signature
| 73 nationally
↓ Shrinking
-89 CUs YoY
|
New qualifier
Shrinking Wallet Share
decline
#92 of 244 • Bottom 9.1% in tier
Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Why This Signature
AMR Growth (YoY):
-3.64%
(Tier:
3.68%, National:
4.19%)
244 of 281 Community CUs have this signature
| 346 nationally
↓ Shrinking
-221 CUs YoY
|
New qualifier
Membership Headwinds
decline
#242 of 550 • Bottom 14.7% in tier
Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Why This Signature
Member Growth (YoY):
-2.86%
(Tier:
0.88%, National:
9.37%)
550 of 281 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
New qualifier
Stagnation Risk
risk
#291 of 550 • Bottom 17.6% 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:
0.36%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
-2.86%
(Tier:
0.88%, National:
9.37%)
Avg Member Relationship:
$26.1K
(Tier: $25.0K, National: $19.4K)
CD Concentration:
28.74%
(Tier:
24.41%, National:
19.60%)
550 of 281 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 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)
Top Strengths (2 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 16.19%
#1 of 169
Top 0.0% in 500M-750M tier
34
Fee Income Per Member
profitability
Value:
$256.92
Peer Avg: $199.27
#34 of 169
Top 19.5% in 500M-750M tier
Top Weaknesses (9 metrics)
163
Loan Growth Rate
growth
Value:
-11.94%
Peer Avg: 4.04%
#163 of 169
Bottom 4.1% in 500M-750M tier
161
Net Charge-Off Rate
risk
Value:
1.34%
Peer Avg: 0.51%
#161 of 169
Bottom 5.3% in 500M-750M tier
155
Deposit Growth Rate
growth
Value:
-2.68%
Peer Avg: 5.25%
#155 of 169
Bottom 8.9% in 500M-750M tier
155
Loan-to-Share Ratio
balance_sheet
Value:
60.51%
Peer Avg: 81.02%
#155 of 169
Bottom 8.9% in 500M-750M tier
150
AMR Growth Rate
growth
Value:
-3.64%
Peer Avg: 3.12%
#150 of 169
Bottom 11.8% in 500M-750M tier
150
Total Delinquency Rate (60+ days)
risk
Value:
1.57%
Peer Avg: 0.80%
#150 of 169
Bottom 11.8% in 500M-750M tier
148
Member Growth Rate
growth
Value:
-2.86%
Peer Avg: 1.75%
#148 of 169
Bottom 13.0% in 500M-750M tier
146
Total Loans
balance_sheet
Value:
$337.92M
Peer Avg: $435.95M
#146 of 169
Bottom 14.2% in 500M-750M tier
141
Asset Growth Rate
growth
Value:
-1.67%
Peer Avg: 4.33%
#141 of 169
Bottom 17.2% in 500M-750M tier