A.U.B. EMPLOYEES'
Charter #68161 | TN
<100M
(2596 CUs)
Micro
($0-$500M)
88 <100M in TN
A.U.B. EMPLOYEES' has 6 strengths but faces 10 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
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 0.7% in tier
- + Net Worth Ratio: Top 7.8% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.06% below tier average
- - Efficiency ratio 2.25% above tier (higher cost structure)
- - Delinquency rate 1.72% above tier average
- - Member decline: -5.3% YoY
- - Asset Growth Rate: Bottom 4.0% in tier
- - Total Members: Bottom 5.2% in tier
- - Members Per Employee (MPE): Bottom 6.5% in tier
- - Total Deposits: Bottom 7.4% in tier
- - Total Assets: Bottom 7.7% in tier
- - Deposit Growth Rate: Bottom 9.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
216
-5.3% YoY+1.4% QoQ
|
-2.4K |
2,625
-2.2% YoY
|
21,139
+4.9% YoY
|
33,089
+6.1% YoY
|
Bottom 5.1% in tier |
| Assets |
$1.5M
-11.4% YoY-5.2% QoQ
|
$-28.4M |
$29.9M
+1.1% YoY
|
$362.5M
+9.5% YoY
|
$547.7M
+7.8% YoY
|
Bottom 7.7% in tier |
| Loans |
$1.2M
-6.5% YoY-0.8% QoQ
|
$-14.5M |
$15.8M
-2.4% YoY
|
$271.1M
+9.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 12.9% in tier |
| Deposits |
$1.0M
-8.1% YoY+1.1% QoQ
|
$-24.4M |
$25.5M
+0.4% YoY
|
$303.0M
+8.7% YoY
|
$464.6M
+9.3% YoY
|
Bottom 7.4% in tier |
| ROA |
0.6%
+144.4% YoY+16.7% QoQ
|
-0.1% |
0.7%
-731.4% YoY
|
0.8%
+4.1% YoY
|
0.7%
+273.4% YoY
|
42nd in tier |
| NIM |
3.7%
+2.4% YoY+5.1% QoQ
|
-0.2% |
3.9%
+3.8% YoY
|
3.8%
+5.1% YoY
|
3.7%
+5.0% YoY
|
43rd in tier |
| Efficiency Ratio |
83.6%
-4.8% YoY-1.9% QoQ
|
+2.3% |
81.4%
-2.4% YoY
|
75.4%
-1.8% YoY
|
79.1%
-3.3% YoY
|
64th in tier |
| Delinquency Rate |
3.2%
-24.6% YoY+95.3% QoQ
|
+1.7 |
1.5%
-2.0% YoY
|
1.1%
+8.5% YoY
|
1.2%
-0.9% YoY
|
Top 10.8% in tier |
| Loan To Share |
118.6%
+1.7% YoY-1.9% QoQ
|
+57.4% |
61.2%
-3.0% YoY
|
70.4%
-2.4% YoY
|
68.0%
-1.7% YoY
|
Top 0.9% in tier |
| AMR |
$10,471
-2.1% YoY-1.3% QoQ
|
$-4K |
$14,627
-2.7% YoY
|
$18,470
+2.4% YoY
|
$19,418
+1.3% YoY
|
31st in tier |
| CD Concentration | 0.0% | -24.4% |
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 (6 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
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
19
Loan-to-Share Ratio
balance_sheet
Value:
118.61%
Peer Avg: 61.23%
#19 of 2596
Top 0.7% in <100M tier
203
Net Worth Ratio
risk
Value:
27.64%
Peer Avg: 16.43%
#203 of 2596
Top 7.8% 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
Top Weaknesses (10 metrics)
2492
Asset Growth Rate
growth
Value:
-11.43%
Peer Avg: 1.82%
#2492 of 2596
Bottom 4.0% in <100M tier
2463
Total Members
engagement
Value:
216
Peer Avg: 2,626
#2463 of 2596
Bottom 5.2% in <100M tier
2427
Members Per Employee (MPE)
engagement
Value:
108.000
Peer Avg: 365.701
#2427 of 2596
Bottom 6.5% in <100M tier
2405
Total Deposits
balance_sheet
Value:
$1.03M
Peer Avg: $25.45M
#2405 of 2596
Bottom 7.4% in <100M tier
2396
Total Assets
balance_sheet
Value:
$1.47M
Peer Avg: $29.86M
#2396 of 2596
Bottom 7.7% in <100M tier
2342
Deposit Growth Rate
growth
Value:
-8.09%
Peer Avg: 16.80%
#2342 of 2596
Bottom 9.8% in <100M tier
2317
Total Delinquency Rate (60+ days)
risk
Value:
3.23%
Peer Avg: 1.51%
#2317 of 2596
Bottom 10.8% in <100M tier
2285
Fee Income Per Member
profitability
Value:
$3.31
Peer Avg: $182.96
#2285 of 2596
Bottom 12.0% in <100M tier
2261
Total Loans
balance_sheet
Value:
$1.23M
Peer Avg: $15.77M
#2261 of 2596
Bottom 12.9% in <100M tier
2185
Member Growth Rate
growth
Value:
-5.26%
Peer Avg: 14.92%
#2185 of 2596
Bottom 15.9% in <100M tier