NEIGHBORHOOD

Charter #67681 | TX

1B-3B (304 CUs) Mid-Market (380 CUs)
26 1B-3B in TX

NEIGHBORHOOD has 2 strengths but faces 12 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 28.9% in tier
  • + Fee Income Per Member: Top 6.2% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 16.9% in tier
  • - Stagnation Risk: Bottom 19.7% in tier
  • - Membership Headwinds: Bottom 20.5% in tier
  • - Accelerating Exit Risk: Bottom 22.7% in tier
  • - Shrinking Wallet Share: Bottom 24.1% in tier
  • - Institutional Decline: Bottom 26.5% in tier
  • - ROA 0.19% below tier average
  • - Delinquency rate 0.49% above tier average
  • - Member decline: -2.2% YoY
  • - Asset Growth Rate: Bottom 5.6% in tier
  • - Net Charge-Off Rate: Bottom 6.6% in tier
  • - Loan Growth Rate: Bottom 7.6% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Members 68,102
-2.2% YoY+0.2% QoQ
 -30.6K 98,678
-1.9% YoY
 26,896
+3.7% YoY
 33,089
+6.1% YoY
 Bottom 23.4% in tier
Assets $1.1B
-4.3% YoY-0.2% QoQ
 $-595.2M $1.7B
+0.5% YoY
 $411.3M
+5.9% YoY
 $547.7M
+7.8% YoY
 Bottom 12.8% in tier
Loans $782.9M
-5.8% YoY-0.1% QoQ
 $-450.2M $1.2B
+0.5% YoY
 $295.8M
+5.3% YoY
 $388.7M
+8.6% YoY
 Bottom 14.1% in tier
Deposits $997.3M
-1.3% YoY-1.1% QoQ
 $-457.1M $1.5B
+1.3% YoY
 $341.5M
+6.1% YoY
 $464.6M
+9.3% YoY
 Bottom 18.4% in tier
ROA 0.5%
+13.0% YoY+100.3% QoQ
 -0.2% 0.7%
+13.4% YoY
 0.5%
-24.0% YoY
 0.7%
+273.4% YoY
 36th in tier
NIM 3.2%
+18.7% YoY+3.1% QoQ
 -0.1% 3.3%
+9.3% YoY
 3.9%
+4.3% YoY
 3.7%
+5.0% YoY
 41st in tier
Efficiency Ratio 71.3%
+3.1% YoY-2.2% QoQ
 -2.7% 74.0%
-10.9% YoY
 79.6%
-0.9% YoY
 79.1%
-3.3% YoY
 36th in tier
Delinquency Rate 1.3%
+8.1% YoY+13.9% QoQ
 +0.5 0.8%
+6.1% YoY
 1.2%
+20.3% YoY
 1.2%
-0.9% YoY
 Top 14.5% in tier
Loan To Share 78.5%
-4.5% YoY+1.0% QoQ
 -6.7% 85.2%
-0.8% YoY
 71.8%
-2.5% YoY
 68.0%
-1.7% YoY
 29th in tier
AMR $26,139
-1.2% YoY-0.9% QoQ
 $-3K $29,172
+2.8% YoY
 $17,515
+1.3% YoY
 $19,418
+1.3% YoY
 42nd in tier
CD Concentration 25.6%
-7.1% YoY-1.0% QoQ
 -3.4% 29.0%
+0.8% YoY
 20.9%
+7.1% YoY
 19.6%
+6.2% YoY
 36th in tier
Indirect Auto % 0.1%
-32.5% YoY-7.5% QoQ
 -18.7% 18.8%
-2.8% YoY
 7.2%
-0.2% YoY
 7.9%
-2.9% YoY
 Bottom 13.2% in tier

Signature Analysis

Strengths (1)

Emerging Performer

growth
#154 of 184 • Top 28.9% in tier

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

Why This Signature
Return on Assets: 0.51%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): -2.19%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | Rank worsening

Concerns (6)

Credit Quality Pressure

risk
#130 of 217 • Bottom 16.9% in tier

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

Why This Signature
Delinquency Change (YoY): 0.10% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank improving

Stagnation Risk

risk
#48 of 85 • Bottom 19.7% 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: 0.51%
(Tier: 0.71%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -2.19%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $26.1K
(Tier: $29.2K, National: $19.4K)
worse than tier avg
CD Concentration: 25.57%
(Tier: 28.98%, National: 19.60%)
but better than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 CUs YoY | New qualifier

Membership Headwinds

decline
#50 of 85 • Bottom 20.5% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -2.19%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 CUs YoY | New qualifier

Accelerating Exit Risk

decline
#11 of 13 • Bottom 22.7% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature
Member Growth (YoY): -2.19%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
AMR Growth (YoY): -1.16%
(Tier: 3.04%, National: 4.19%)
worse than tier avg
13 of 380 Mid-Market CUs have this signature | 73 nationally
↓ Shrinking -8 CUs YoY | New qualifier

Shrinking Wallet Share

decline
#74 of 83 • Bottom 24.1% in tier

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

Why This Signature
AMR Growth (YoY): -1.16%
(Tier: 3.04%, National: 4.19%)
worse than tier avg
83 of 380 Mid-Market CUs have this signature | 346 nationally
↓ Shrinking -55 CUs YoY | Rank worsening

Institutional Decline

decline
#28 of 31 • Bottom 26.5% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $1.12B
(Tier: $1.72B, National: $547.69M)
worse than tier avg
Member Growth (YoY): -2.19%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -5.78%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
31 of 380 Mid-Market CUs have this signature | 293 nationally
↓ Shrinking -6 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)

Comparing against 304 peers in tier

Top Strengths (3 metrics)

20
Fee Income Per Member
profitability
Value: $333.64
Peer Avg: $210.52
#20 of 304 Top 6.2% in 1B-3B tier
43
First Mortgage Concentration (%)
balance_sheet
Value: 18.57%
Peer Avg: 34.01%
#43 of 304 Top 13.8% in 1B-3B tier
46
Indirect Auto Concentration (%)
balance_sheet
Value: 0.12%
Peer Avg: 18.32%
#46 of 304 Top 14.8% in 1B-3B tier

Top Weaknesses (11 metrics)

288
Asset Growth Rate
growth
Value: -4.27%
Peer Avg: 4.83%
#288 of 304 Bottom 5.6% in 1B-3B tier
285
Net Charge-Off Rate
risk
Value: 1.30%
Peer Avg: 0.60%
#285 of 304 Bottom 6.6% in 1B-3B tier
282
Loan Growth Rate
growth
Value: -5.78%
Peer Avg: 5.27%
#282 of 304 Bottom 7.6% in 1B-3B tier
272
Deposit Growth Rate
growth
Value: -1.31%
Peer Avg: 5.58%
#272 of 304 Bottom 10.9% in 1B-3B tier
265
Total Assets
balance_sheet
Value: $1.12B
Peer Avg: $1.72B
#265 of 304 Bottom 13.2% in 1B-3B tier
261
Total Delinquency Rate (60+ days)
risk
Value: 1.32%
Peer Avg: 0.83%
#261 of 304 Bottom 14.5% in 1B-3B tier
261
Total Loans
balance_sheet
Value: $782.86M
Peer Avg: $1.23B
#261 of 304 Bottom 14.5% in 1B-3B tier
256
Member Growth Rate
growth
Value: -2.19%
Peer Avg: 2.20%
#256 of 304 Bottom 16.1% in 1B-3B tier
248
Total Deposits
balance_sheet
Value: $997.27M
Peer Avg: $1.45B
#248 of 304 Bottom 18.8% in 1B-3B tier
245
AMR Growth Rate
growth
Value: -1.16%
Peer Avg: 3.29%
#245 of 304 Bottom 19.7% in 1B-3B tier