COMMUNITY RESOURCE
Charter #68021 | TX
COMMUNITY RESOURCE has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 4.7% in tier
- + Wallet Share Momentum: Top 12.8% in tier
- + ROA 0.45% above tier average
- + Net Interest Margin 0.59% above tier average
- + Fee Income Per Member: Top 4.5% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 20.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
57,680
+0.5% YoY+0.1% QoQ
|
+5.6K |
52,114
-2.1% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
62nd in tier |
| Assets |
$906.3M
+2.7% YoY+1.5% QoQ
|
+$47.2M |
$859.0M
+0.0% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
73rd in tier |
| Loans |
$715.9M
+7.9% YoY+0.2% QoQ
|
+$112.5M |
$603.4M
+1.0% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
Top 14.3% in tier |
| Deposits |
$774.9M
+5.5% YoY-1.8% QoQ
|
+$40.7M |
$734.2M
+0.9% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
73rd in tier |
| ROA |
1.2%
+112.1% YoY-16.9% QoQ
|
+0.5% |
0.7%
+27.6% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
Top 18.8% in tier |
| NIM |
4.0%
+20.4% YoY+1.0% QoQ
|
+0.6% |
3.4%
+9.6% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
Top 16.1% in tier |
| Efficiency Ratio |
73.3%
-8.7% YoY+3.3% QoQ
|
-1.2% |
74.5%
-3.2% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
38th in tier |
| Delinquency Rate |
0.6%
-2.2% YoY+57.2% QoQ
|
-0.2 |
0.8%
+5.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
42nd in tier |
| Loan To Share |
92.4%
+2.3% YoY+2.0% QoQ
|
+9.7% |
82.7%
+0.1% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
70th in tier |
| AMR |
$25,846
+6.1% YoY-1.0% QoQ
|
$-3K |
$28,651
+2.5% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
47th in tier |
| CD Concentration |
26.1%
+3.4% YoY+2.9% QoQ
|
+1.7% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
56th in tier |
| Indirect Auto % |
13.6%
-15.9% YoY-3.1% QoQ
|
-0.4% |
14.0%
-5.8% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
59th in tier |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthAverage member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Wallet Share Momentum
growthAverage member relationship growing year-over-year. Members are deepening their engagement.
Concerns (1)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)