DEXTER PUBLIC SCHOOLS

Charter #67703 | MO

<100M (2596 CUs) Micro
60 <100M in MO

DEXTER PUBLIC SCHOOLS has 6 strengths but faces 2 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + 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
  • + Members Per Employee (MPE): Top 5.1% in tier
  • + Loan-to-Share Ratio: Top 6.8% in tier

Key Concerns

Areas that may need attention

  • - ROA 0.12% below tier average
  • - Net Interest Margin (NIM): Bottom 2.2% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Members 683
+0.1% YoY-1.0% QoQ
 -1.9K 2,625
-2.2% YoY
 15,920
+4.0% YoY
 33,089
+6.1% YoY
 Bottom 19.2% in tier
Assets $5.4M
+6.8% YoY-0.2% QoQ
 $-24.5M $29.9M
+1.1% YoY
 $210.9M
+9.4% YoY
 $547.7M
+7.8% YoY
 Bottom 20.7% in tier
Loans $4.5M
+9.0% YoY+4.1% QoQ
 $-11.3M $15.8M
-2.4% YoY
 $147.8M
+9.0% YoY
 $388.7M
+8.6% YoY
 31st in tier
Deposits $4.7M
+7.1% YoY-1.2% QoQ
 $-20.8M $25.5M
+0.4% YoY
 $183.9M
+12.2% YoY
 $464.6M
+9.3% YoY
 Bottom 22.2% in tier
ROA 0.6%
+172.7% YoY+17.7% QoQ
 -0.1% 0.7%
-731.4% YoY
 0.6%
+117.2% YoY
 0.7%
+273.4% YoY
 40th in tier
NIM 1.6%
+3.5% YoY-0.2% QoQ
 -2.3% 3.9%
+3.8% YoY
 3.8%
+3.2% YoY
 3.7%
+5.0% YoY
 Bottom 2.2% in tier
Efficiency Ratio 63.4%
-15.0% YoY-7.7% QoQ
 -18.0% 81.4%
-2.4% YoY
 78.5%
-6.5% YoY
 79.1%
-3.3% YoY
 Bottom 18.7% in tier
Delinquency Rate 0.0% -1.5 1.5%
-2.0% YoY
 1.2%
+9.9% YoY
 1.2%
-0.9% YoY
 Bottom 0.0% in tier
Loan To Share 95.4%
+1.7% YoY+5.4% QoQ
 +34.2% 61.2%
-3.0% YoY
 72.3%
-3.7% YoY
 68.0%
-1.7% YoY
 Top 7.0% in tier
AMR $13,380
+7.9% YoY+2.4% QoQ
 $-1K $14,627
-2.7% YoY
 $16,810
+3.4% YoY
 $19,418
+1.3% YoY
 48th in tier
CD Concentration 0.0% -24.4% 24.4%
+4.2% YoY
 18.1%
+9.5% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 10.3%
-9.1% 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)

Comparing against 2596 peers in tier

Top Strengths (11 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
133
Members Per Employee (MPE)
engagement
Value: 683.000
Peer Avg: 365.701
#133 of 2596 Top 5.1% in <100M tier
177
Loan-to-Share Ratio
balance_sheet
Value: 95.42%
Peer Avg: 61.23%
#177 of 2596 Top 6.8% in <100M tier
318
Loan Growth Rate
growth
Value: 9.00%
Peer Avg: 59.01%
#318 of 2596 Top 12.2% in <100M tier
371
AMR Growth Rate
growth
Value: 7.88%
Peer Avg: 4.67%
#371 of 2596 Top 14.3% in <100M tier
421
Deposit Growth Rate
growth
Value: 7.13%
Peer Avg: 16.80%
#421 of 2596 Top 16.2% in <100M tier
449
Asset Growth Rate
growth
Value: 6.82%
Peer Avg: 1.82%
#449 of 2596 Top 17.3% in <100M tier

Top Weaknesses (5 metrics)

2539
Net Interest Margin (NIM)
profitability
Value: 1.64%
Peer Avg: 3.93%
#2539 of 2596 Bottom 2.2% in <100M tier
2097
Total Members
engagement
Value: 683
Peer Avg: 2,626
#2097 of 2596 Bottom 19.3% in <100M tier
2058
Total Assets
balance_sheet
Value: $5.38M
Peer Avg: $29.86M
#2058 of 2596 Bottom 20.8% in <100M tier
2019
Total Deposits
balance_sheet
Value: $4.68M
Peer Avg: $25.45M
#2019 of 2596 Bottom 22.3% in <100M tier
1972
Fee Income Per Member
profitability
Value: $16.08
Peer Avg: $182.96
#1972 of 2596 Bottom 24.1% in <100M tier