AMERICA'S CHRISTIAN

Charter #68062 | CA

750M-1B (112 CUs) Community (281 CUs)
15 750M-1B in CA

AMERICA'S CHRISTIAN has 10 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 3.5% in tier
  • + ROA 0.14% above tier average
  • + Strong member growth: 80.0% YoY
  • + Member Growth Rate: Top 0.0% in tier
  • + Members Per Employee (MPE): Top 0.0% in tier
  • + Total Members: Top 0.0% in tier
  • + Deposit Growth Rate: Top 0.9% in tier
  • + Asset Growth Rate: Top 1.8% in tier
  • + First Mortgage Concentration (%): Top 2.7% in tier
  • + Loan Growth Rate: Top 6.2% in tier

Key Concerns

Areas that may need attention

  • - Shrinking Wallet Share: Bottom 0.0% in tier
  • - Growth-at-Risk: Bottom 3.3% in tier
  • - Credit Quality Pressure: Bottom 11.9% in tier
  • - AMR Growth Rate: Bottom 0.9% in tier
  • - Average Member Relationship (AMR): Bottom 0.9% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 0.9% in tier
  • - Fee Income Per Member: Bottom 2.7% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 125,015
+80.0% YoY+21.9% QoQ
 +72.9K 52,114
-2.1% YoY
 59,606
+5.7% YoY
 33,089
+6.1% YoY
 Top 0.9% in tier
Assets $770.4M
+18.9% YoY+4.8% QoQ
 $-88.6M $859.0M
+0.0% YoY
 $1.2B
+6.2% YoY
 $547.7M
+7.8% YoY
 Bottom 9.8% in tier
Loans $589.6M
+16.4% YoY-0.1% QoQ
 $-13.7M $603.4M
+1.0% YoY
 $845.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 41st in tier
Deposits $678.0M
+22.7% YoY+6.0% QoQ
 $-56.2M $734.2M
+0.9% YoY
 $1.0B
+8.8% YoY
 $464.6M
+9.3% YoY
 Bottom 21.4% in tier
ROA 0.9%
+41.1% YoY-16.5% QoQ
 +0.1% 0.7%
+27.6% YoY
 0.6%
+30.0% YoY
 0.7%
+273.4% YoY
 66th in tier
NIM 2.8%
+3.1% YoY-1.3% QoQ
 -0.5% 3.4%
+9.6% YoY
 3.3%
+6.5% YoY
 3.7%
+5.0% YoY
 Bottom 20.5% in tier
Efficiency Ratio 73.0%
-12.3% YoY+5.3% QoQ
 -1.5% 74.5%
-3.2% YoY
 79.3%
-6.2% YoY
 79.1%
-3.3% YoY
 37th in tier
Delinquency Rate 0.4%
+156.1% YoY+13.6% QoQ
 -0.4 0.8%
+5.0% YoY
 0.7%
-38.7% YoY
 1.2%
-0.9% YoY
 Bottom 24.1% in tier
Loan To Share 87.0%
-5.1% YoY-5.7% QoQ
 +4.3% 82.7%
+0.1% YoY
 68.8%
-1.5% YoY
 68.0%
-1.7% YoY
 49th in tier
AMR $10,140
-33.5% YoY-15.4% QoQ
 $-19K $28,651
+2.5% YoY
 $28,514
+2.8% YoY
 $19,418
+1.3% YoY
 Bottom 0.0% in tier
CD Concentration 26.4%
-2.7% YoY+14.7% QoQ
 +2.0% 24.4%
+4.2% YoY
 21.7%
+4.2% YoY
 19.6%
+6.2% YoY
 57th in tier
Indirect Auto % 0.0%
-99.9% YoY-99.9% QoQ
 -14.0% 14.0%
-5.8% YoY
 9.5%
-6.9% YoY
 7.9%
-2.9% YoY
 30th in tier

Signature Analysis

Strengths (1)

Organic Growth Engine

growth
#65 of 603 • Top 3.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 79.96%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.85%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 0.00%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Concerns (3)

Shrinking Wallet Share

decline
#1 of 244 • Bottom 0.0% in tier

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

Why This Signature
AMR Growth (YoY): -33.47%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 281 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY | New qualifier

Growth-at-Risk

risk
#51 of 446 • Bottom 3.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 16.45%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.26% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 281 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | New qualifier

Credit Quality Pressure

risk
#295 of 736 • Bottom 11.9% in tier

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

Why This Signature
Delinquency Change (YoY): 0.26% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 281 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 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 112 peers in tier

Top Strengths (10 metrics)

1
Member Growth Rate
growth
Value: 79.96%
Peer Avg: 1.14%
#1 of 112 Top 0.0% in 750M-1B tier
1
Members Per Employee (MPE)
engagement
Value: 1329.947
Peer Avg: 361.634
#1 of 112 Top 0.0% in 750M-1B tier
1
Total Members
engagement
Value: 125,015
Peer Avg: 52,114
#1 of 112 Top 0.0% in 750M-1B tier
2
Deposit Growth Rate
growth
Value: 22.74%
Peer Avg: 5.03%
#2 of 112 Top 0.9% in 750M-1B tier
3
Asset Growth Rate
growth
Value: 18.90%
Peer Avg: 4.25%
#3 of 112 Top 1.8% in 750M-1B tier
4
First Mortgage Concentration (%)
balance_sheet
Value: 6.28%
Peer Avg: 33.64%
#4 of 112 Top 2.7% in 750M-1B tier
8
Loan Growth Rate
growth
Value: 16.45%
Peer Avg: 4.84%
#8 of 112 Top 6.2% in 750M-1B tier
19
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 16.60%
#19 of 112 Top 16.1% in 750M-1B tier
28
Total Delinquency Rate (60+ days)
risk
Value: 0.42%
Peer Avg: 0.82%
#28 of 112 Top 24.1% in 750M-1B tier
29
Net Charge-Off Rate
risk
Value: 0.28%
Peer Avg: 0.61%
#29 of 112 Top 25.0% in 750M-1B tier

Top Weaknesses (7 metrics)

112
AMR Growth Rate
growth
Value: -33.47%
Peer Avg: 4.90%
#112 of 112 Bottom 0.9% in 750M-1B tier
112
Average Member Relationship (AMR)
engagement
Value: $10,140
Peer Avg: $28,651
#112 of 112 Bottom 0.9% in 750M-1B tier
112
Loan-to-Member Ratio (LMR)
engagement
Value: $4,716
Peer Avg: $12,810
#112 of 112 Bottom 0.9% in 750M-1B tier
110
Fee Income Per Member
profitability
Value: $57.99
Peer Avg: $204.75
#110 of 112 Bottom 2.7% in 750M-1B tier
101
Total Assets
balance_sheet
Value: $770.36M
Peer Avg: $859.01M
#101 of 112 Bottom 10.7% in 750M-1B tier
89
Net Interest Margin (NIM)
profitability
Value: 2.84%
Peer Avg: 3.38%
#89 of 112 Bottom 21.4% in 750M-1B tier
88
Total Deposits
balance_sheet
Value: $677.97M
Peer Avg: $734.17M
#88 of 112 Bottom 22.3% in 750M-1B tier