HOLY REDEEMER COMMUNITY OF SE WIS.
Charter #68044 | WI
<100M
(2596 CUs)
Micro
($0-$500M)
53 <100M in WI
HOLY REDEEMER COMMUNITY OF SE WIS. has 10 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.28% above tier average
- + Net Interest Margin 0.23% above tier average
- + 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
- + Loan Growth Rate: Top 0.4% in tier
- + Net Worth Ratio: Top 6.4% in tier
- + Efficiency Ratio: Top 8.5% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.9% YoY
- - Total Loans: Bottom 3.2% in tier
- - Average Member Relationship (AMR): Bottom 3.8% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.9% in tier
- - Total Deposits: Bottom 4.0% in tier
- - Members Per Employee (MPE): Bottom 4.2% in tier
- - Total Assets: Bottom 4.5% in tier
- - Total Members: Bottom 6.2% in tier
- - Loan-to-Share Ratio: Bottom 8.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
247
-3.9% YoY+1.6% QoQ
|
-2.4K |
2,625
-2.2% YoY
|
38,719
+8.7% YoY
|
33,089
+6.1% YoY
|
Bottom 6.2% in tier |
| Assets |
$752,067
+3.2% YoY+0.9% QoQ
|
$-29.1M |
$29.9M
+1.1% YoY
|
$717.4M
+12.8% YoY
|
$547.7M
+7.8% YoY
|
Bottom 4.5% in tier |
| Loans |
$135,037
+46.4% YoY-7.5% QoQ
|
$-15.6M |
$15.8M
-2.4% YoY
|
$555.6M
+13.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 3.2% in tier |
| Deposits |
$482,481
-5.6% YoY+0.5% QoQ
|
$-25.0M |
$25.5M
+0.4% YoY
|
$603.1M
+13.2% YoY
|
$464.6M
+9.3% YoY
|
Bottom 4.0% in tier |
| ROA |
2.0%
-47.9% YoY+4.4% QoQ
|
+1.3% |
0.7%
-731.4% YoY
|
0.7%
-20.1% YoY
|
0.7%
+273.4% YoY
|
Top 9.6% in tier |
| NIM |
4.2%
-18.9% YoY+3.0% QoQ
|
+0.2% |
3.9%
+3.8% YoY
|
3.5%
-0.2% YoY
|
3.7%
+5.0% YoY
|
61st in tier |
| Efficiency Ratio |
53.9%
+93.8% YoY-0.8% QoQ
|
-27.5% |
81.4%
-2.4% YoY
|
74.2%
-2.5% YoY
|
79.1%
-3.3% YoY
|
Bottom 8.5% in tier |
| Delinquency Rate |
0.0%
-100.0% QoQ
|
-1.5 |
1.5%
-2.0% YoY
|
1.0%
+20.8% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
28.0%
+55.2% YoY-7.9% QoQ
|
-33.2% |
61.2%
-3.0% YoY
|
80.3%
+0.1% YoY
|
68.0%
-1.7% YoY
|
Bottom 8.4% in tier |
| AMR |
$2,500
+6.5% YoY-3.0% QoQ
|
$-12K |
$14,627
-2.7% YoY
|
$22,950
+4.4% YoY
|
$19,418
+1.3% YoY
|
Bottom 3.8% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
21.1%
+6.2% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
8.1%
-7.1% 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)
Top Strengths (10 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
12
Loan Growth Rate
growth
Value:
46.42%
Peer Avg: 59.01%
#12 of 2596
Top 0.4% in <100M tier
167
Net Worth Ratio
risk
Value:
29.53%
Peer Avg: 16.43%
#167 of 2596
Top 6.4% in <100M tier
222
Efficiency Ratio
profitability
Value:
53.89%
Peer Avg: 81.39%
#222 of 2596
Top 8.5% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
250
Return on Assets (ROA)
profitability
Value:
1.96%
Peer Avg: 0.68%
#250 of 2596
Top 9.6% in <100M tier
503
AMR Growth Rate
growth
Value:
6.45%
Peer Avg: 4.67%
#503 of 2596
Top 19.3% in <100M tier
Top Weaknesses (11 metrics)
2513
Total Loans
balance_sheet
Value:
$135,037
Peer Avg: $15.77M
#2513 of 2596
Bottom 3.2% in <100M tier
2498
Average Member Relationship (AMR)
engagement
Value:
$2,500
Peer Avg: $14,627
#2498 of 2596
Bottom 3.8% in <100M tier
2495
Loan-to-Member Ratio (LMR)
engagement
Value:
$546.71
Peer Avg: $5,488
#2495 of 2596
Bottom 3.9% in <100M tier
2493
Total Deposits
balance_sheet
Value:
$482,481
Peer Avg: $25.45M
#2493 of 2596
Bottom 4.0% in <100M tier
2487
Members Per Employee (MPE)
engagement
Value:
61.750
Peer Avg: 365.701
#2487 of 2596
Bottom 4.2% in <100M tier
2480
Total Assets
balance_sheet
Value:
$752,067
Peer Avg: $29.86M
#2480 of 2596
Bottom 4.5% in <100M tier
2436
Total Members
engagement
Value:
247
Peer Avg: 2,626
#2436 of 2596
Bottom 6.2% in <100M tier
2375
Loan-to-Share Ratio
balance_sheet
Value:
27.99%
Peer Avg: 61.23%
#2375 of 2596
Bottom 8.6% in <100M tier
2303
Fee Income Per Member
profitability
Value:
$2.80
Peer Avg: $182.96
#2303 of 2596
Bottom 11.3% in <100M tier
2191
Deposit Growth Rate
growth
Value:
-5.64%
Peer Avg: 16.80%
#2191 of 2596
Bottom 15.6% in <100M tier