HURD EMPLOYEES
Charter #68144 | TN
<100M
(2596 CUs)
Micro
($0-$500M)
88 <100M in TN
HURD EMPLOYEES has 5 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 3.9% in tier
- + Net Worth Ratio: Top 4.2% in tier
- + Net Charge-Off Rate: Top 6.6% in tier
Key Concerns
Areas that may need attention
- - ROA 1.61% below tier average
- - Efficiency ratio 9.84% above tier (higher cost structure)
- - Delinquency rate 1.00% above tier average
- - Share Certificate Concentration (%): Bottom 0.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
423
+1.0% YoY-0.9% QoQ
|
-2.2K |
2,625
-2.2% YoY
|
21,139
+4.9% YoY
|
33,089
+6.1% YoY
|
Bottom 11.7% in tier |
| Assets |
$4.6M
+0.7% YoY-0.5% QoQ
|
$-25.3M |
$29.9M
+1.1% YoY
|
$362.5M
+9.5% YoY
|
$547.7M
+7.8% YoY
|
Bottom 18.0% in tier |
| Loans |
$3.1M
-1.8% YoY-2.1% QoQ
|
$-12.7M |
$15.8M
-2.4% YoY
|
$271.1M
+9.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 24.2% in tier |
| Deposits |
$3.0M
+2.3% YoY-0.5% QoQ
|
$-22.4M |
$25.5M
+0.4% YoY
|
$303.0M
+8.7% YoY
|
$464.6M
+9.3% YoY
|
Bottom 15.9% in tier |
| ROA |
-0.9%
+37.1% YoY-19.1% QoQ
|
-1.6% |
0.7%
-731.4% YoY
|
0.8%
+4.1% YoY
|
0.7%
+273.4% YoY
|
Bottom 5.8% in tier |
| NIM |
3.3%
-2.6% YoY-9.5% QoQ
|
-0.6% |
3.9%
+3.8% YoY
|
3.8%
+5.1% YoY
|
3.7%
+5.0% YoY
|
28th in tier |
| Efficiency Ratio |
91.2%
+21.3% YoY+9.9% QoQ
|
+9.8% |
81.4%
-2.4% YoY
|
75.4%
-1.8% YoY
|
79.1%
-3.3% YoY
|
Top 21.4% in tier |
| Delinquency Rate |
2.5%
+523.0% YoY-7.7% QoQ
|
+1.0 |
1.5%
-2.0% YoY
|
1.1%
+8.5% YoY
|
1.2%
-0.9% YoY
|
Top 15.2% in tier |
| Loan To Share |
100.3%
-4.0% YoY-1.6% QoQ
|
+39.0% |
61.2%
-3.0% YoY
|
70.4%
-2.4% YoY
|
68.0%
-1.7% YoY
|
Top 4.1% in tier |
| AMR |
$14,421
-0.8% YoY-0.3% QoQ
|
$-206 |
$14,627
-2.7% YoY
|
$18,470
+2.4% YoY
|
$19,418
+1.3% YoY
|
54th in tier |
| CD Concentration |
84.0%
-0.8% YoY+3.4% QoQ
|
+59.6% |
24.4%
+4.2% YoY
|
22.3%
+6.6% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
6.9%
+1.1% 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 (7 metrics)
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
102
Loan-to-Share Ratio
balance_sheet
Value:
100.28%
Peer Avg: 61.23%
#102 of 2596
Top 3.9% in <100M tier
109
Net Worth Ratio
risk
Value:
33.46%
Peer Avg: 16.43%
#109 of 2596
Top 4.2% in <100M tier
173
Net Charge-Off Rate
risk
Value:
-0.03%
Peer Avg: 0.57%
#173 of 2596
Top 6.6% in <100M tier
625
Loan-to-Member Ratio (LMR)
engagement
Value:
$7,221
Peer Avg: $5,488
#625 of 2596
Top 24.0% in <100M tier
631
Member Growth Rate
growth
Value:
0.95%
Peer Avg: 14.92%
#631 of 2596
Top 24.3% in <100M tier
Top Weaknesses (9 metrics)
2589
Share Certificate Concentration (%)
balance_sheet
Value:
84.05%
Peer Avg: 15.37%
#2589 of 2596
Bottom 0.3% in <100M tier
2445
Return on Assets (ROA)
profitability
Value:
-0.93%
Peer Avg: 0.68%
#2445 of 2596
Bottom 5.9% in <100M tier
2289
Total Members
engagement
Value:
423
Peer Avg: 2,626
#2289 of 2596
Bottom 11.9% in <100M tier
2202
Total Delinquency Rate (60+ days)
risk
Value:
2.51%
Peer Avg: 1.51%
#2202 of 2596
Bottom 15.2% in <100M tier
2183
Total Deposits
balance_sheet
Value:
$3.05M
Peer Avg: $25.45M
#2183 of 2596
Bottom 15.9% in <100M tier
2142
Members Per Employee (MPE)
engagement
Value:
211.500
Peer Avg: 365.701
#2142 of 2596
Bottom 17.5% in <100M tier
2130
Total Assets
balance_sheet
Value:
$4.58M
Peer Avg: $29.86M
#2130 of 2596
Bottom 18.0% in <100M tier
2042
Efficiency Ratio
profitability
Value:
91.24%
Peer Avg: 81.39%
#2042 of 2596
Bottom 21.4% in <100M tier
1968
Total Loans
balance_sheet
Value:
$3.05M
Peer Avg: $15.77M
#1968 of 2596
Bottom 24.2% in <100M tier