WORKMEN'S CIRCLE INCORPORATED

Charter #67892 | GA

100M-500M (1077 CUs) Micro
20 100M-500M in GA

WORKMEN'S CIRCLE INCORPORATED has 12 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 5.8% in tier
  • + Wallet Share Momentum: Top 15.4% in tier
  • + Relationship Depth Leader: Top 30.6% in tier
  • + ROA 1.11% above tier average
  • + Total Delinquency Rate (60+ days): Top 0.0% in tier
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Average Member Relationship (AMR): Top 0.1% in tier
  • + Loan-to-Member Ratio (LMR): Top 0.1% in tier
  • + Efficiency Ratio: Top 0.2% in tier
  • + Net Charge-Off Rate: Top 1.3% in tier
  • + Loan-to-Share Ratio: Top 2.3% in tier
  • + Net Worth Ratio: Top 3.2% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 4.9% in tier
  • - Liquidity Overhang: Bottom 18.6% in tier
  • - Total Members: Bottom 0.2% in tier
  • - First Mortgage Concentration (%): Bottom 1.8% in tier
  • - Members Per Employee (MPE): Bottom 6.2% in tier
  • - Net Interest Margin (NIM): Bottom 8.8% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Members 1,687
+0.1% YoY+0.4% QoQ
 -13.9K 15,628
-3.4% YoY
 30,529
+3.7% YoY
 33,089
+6.1% YoY
 Bottom 0.1% in tier
Assets $132.4M
+5.5% YoY+3.2% QoQ
 $-98.9M $231.3M
-0.0% YoY
 $489.5M
+5.8% YoY
 $547.7M
+7.8% YoY
 Bottom 21.3% in tier
Loans $107.2M
+7.0% YoY-0.9% QoQ
 $-40.6M $147.8M
-1.4% YoY
 $335.0M
+9.2% YoY
 $388.7M
+8.6% YoY
 39th in tier
Deposits $106.0M
+4.1% YoY+2.9% QoQ
 $-94.3M $200.3M
-0.0% YoY
 $419.7M
+4.9% YoY
 $464.6M
+9.3% YoY
 Bottom 15.1% in tier
ROA 1.9%
+91.3% YoY+5.2% QoQ
 +1.1% 0.8%
+15.5% YoY
 1.1%
+41.8% YoY
 0.7%
+273.4% YoY
 Top 4.0% in tier
NIM 2.7%
+61.0% YoY+1.5% QoQ
 -0.9% 3.6%
+6.9% YoY
 4.2%
+4.4% YoY
 3.7%
+5.0% YoY
 Bottom 8.7% in tier
Efficiency Ratio 29.4%
-33.9% YoY-5.1% QoQ
 -47.9% 77.3%
-3.0% YoY
 76.7%
+1.1% YoY
 79.1%
-3.3% YoY
 Bottom 0.2% in tier
Delinquency Rate 0.0% -0.9 0.9%
+7.6% YoY
 1.3%
+2.5% YoY
 1.2%
-0.9% YoY
 Bottom 0.0% in tier
Loan To Share 101.2%
+2.8% YoY-3.7% QoQ
 +28.5% 72.7%
-1.5% YoY
 72.3%
+1.1% YoY
 68.0%
-1.7% YoY
 Top 2.4% in tier
AMR $126,357
+5.5% YoY+0.6% QoQ
 +$102K $24,363
+2.9% YoY
 $17,296
+4.1% YoY
 $19,418
+1.3% YoY
 Top 0.2% in tier
CD Concentration 26.8%
+17.5% YoY+15.6% QoQ
 +2.4% 24.4%
+4.2% YoY
 19.9%
+4.7% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 4.6%
+4.3% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Emerging Performer

growth
#110 of 627 • Top 5.8% in tier

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

Why This Signature
Return on Assets: 1.89%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): 0.06%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank improving

Wallet Share Momentum

growth
#426 of 1006 • Top 15.4% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 5.51%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#845 of 1006 • Top 30.6% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 5.51%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $0.00
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Concerns (2)

Liquidity Strain

risk
#39 of 258 • Bottom 4.9% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 101.16%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 7.03%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
258 of 1077 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | Rank improving

Liquidity Overhang

risk
#288 of 552 • Bottom 18.6% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 19.60%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 101.16%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 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 1077 peers in tier

Top Strengths (9 metrics)

1
Total Delinquency Rate (60+ days)
risk
Value: 0.00%
Peer Avg: 0.86%
#1 of 1077 Top 0.0% in 100M-500M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
2
Average Member Relationship (AMR)
engagement
Value: $126,357
Peer Avg: $24,363
#2 of 1077 Top 0.1% in 100M-500M tier
2
Loan-to-Member Ratio (LMR)
engagement
Value: $63,543
Peer Avg: $10,245
#2 of 1077 Top 0.1% in 100M-500M tier
3
Efficiency Ratio
profitability
Value: 29.37%
Peer Avg: 77.28%
#3 of 1077 Top 0.2% in 100M-500M tier
15
Net Charge-Off Rate
risk
Value: 0.00%
Peer Avg: 0.47%
#15 of 1077 Top 1.3% in 100M-500M tier
26
Loan-to-Share Ratio
balance_sheet
Value: 101.16%
Peer Avg: 72.70%
#26 of 1077 Top 2.3% in 100M-500M tier
36
Net Worth Ratio
risk
Value: 19.60%
Peer Avg: 12.15%
#36 of 1077 Top 3.2% in 100M-500M tier
43
Return on Assets (ROA)
profitability
Value: 1.89%
Peer Avg: 0.79%
#43 of 1077 Top 3.9% in 100M-500M tier

Top Weaknesses (7 metrics)

1076
Total Members
engagement
Value: 1,687
Peer Avg: 15,628
#1076 of 1077 Bottom 0.2% in 100M-500M tier
1059
First Mortgage Concentration (%)
balance_sheet
Value: 71.28%
Peer Avg: 30.43%
#1059 of 1077 Bottom 1.8% in 100M-500M tier
1011
Members Per Employee (MPE)
engagement
Value: 210.875
Peer Avg: 332.881
#1011 of 1077 Bottom 6.2% in 100M-500M tier
983
Net Interest Margin (NIM)
profitability
Value: 2.66%
Peer Avg: 3.58%
#983 of 1077 Bottom 8.8% in 100M-500M tier
962
Fee Income Per Member
profitability
Value: $87.86
Peer Avg: $174.31
#962 of 1077 Bottom 10.8% in 100M-500M tier
914
Total Deposits
balance_sheet
Value: $105.97M
Peer Avg: $200.29M
#914 of 1077 Bottom 15.2% in 100M-500M tier
848
Total Assets
balance_sheet
Value: $132.36M
Peer Avg: $231.30M
#848 of 1077 Bottom 21.4% in 100M-500M tier