MILL TOWN
Charter #68222 | WA
<100M
(2596 CUs)
Micro
($0-$500M)
33 <100M in WA
MILL TOWN has 6 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.91% above tier average
- + Loan-to-Share Ratio: Top 2.0% in tier
- + Loan-to-Member Ratio (LMR): Top 2.6% in tier
- + Loan Growth Rate: Top 4.0% in tier
- + Total Loans: Top 5.2% in tier
- + Average Member Relationship (AMR): Top 5.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.84% below tier average
- - Efficiency ratio 2.34% above tier (higher cost structure)
- - Delinquency rate 0.72% above tier average
- - Indirect Auto Concentration (%): Bottom 0.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,594
+1.7% YoY+2.6% QoQ
|
+968 |
2,625
-2.2% YoY
|
65,720
+2.5% YoY
|
33,089
+6.1% YoY
|
74th in tier |
| Assets |
$62.1M
-0.5% YoY-0.6% QoQ
|
+$32.3M |
$29.9M
+1.1% YoY
|
$1.2B
+3.7% YoY
|
$547.7M
+7.8% YoY
|
Top 16.0% in tier |
| Loans |
$51.0M
+18.2% YoY+7.8% QoQ
|
+$35.2M |
$15.8M
-2.4% YoY
|
$909.1M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
Top 5.2% in tier |
| Deposits |
$48.0M
-0.3% YoY-1.2% QoQ
|
+$22.5M |
$25.5M
+0.4% YoY
|
$1.0B
+6.5% YoY
|
$464.6M
+9.3% YoY
|
Top 19.0% in tier |
| ROA |
-0.2%
-126.1% YoY+356.1% QoQ
|
-0.8% |
0.7%
-731.4% YoY
|
0.6%
+9.9% YoY
|
0.7%
+273.4% YoY
|
Bottom 13.0% in tier |
| NIM |
4.8%
+10.9% YoY+4.2% QoQ
|
+0.9% |
3.9%
+3.8% YoY
|
3.7%
+4.7% YoY
|
3.7%
+5.0% YoY
|
Top 17.4% in tier |
| Efficiency Ratio |
83.7%
+19.9% YoY+1.2% QoQ
|
+2.3% |
81.4%
-2.4% YoY
|
76.4%
-1.1% YoY
|
79.1%
-3.3% YoY
|
64th in tier |
| Delinquency Rate |
2.2%
-26.7% YoY-5.9% QoQ
|
+0.7 |
1.5%
-2.0% YoY
|
0.9%
-2.6% YoY
|
1.2%
-0.9% YoY
|
Top 17.6% in tier |
| Loan To Share |
106.2%
+18.5% YoY+9.1% QoQ
|
+45.0% |
61.2%
-3.0% YoY
|
76.9%
-2.2% YoY
|
68.0%
-1.7% YoY
|
Top 2.2% in tier |
| AMR |
$27,543
+6.6% YoY+0.6% QoQ
|
+$13K |
$14,627
-2.7% YoY
|
$28,761
+2.7% YoY
|
$19,418
+1.3% YoY
|
Top 5.7% in tier |
| CD Concentration |
33.6%
+2.8% YoY-3.4% QoQ
|
+9.2% |
24.4%
+4.2% YoY
|
22.3%
+2.5% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % |
72.9%
+17.0% YoY+1.6% QoQ
|
+59.0% |
14.0%
-5.8% YoY
|
17.1%
-8.4% 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 (11 metrics)
53
Loan-to-Share Ratio
balance_sheet
Value:
106.24%
Peer Avg: 61.23%
#53 of 2596
Top 2.0% in <100M tier
69
Loan-to-Member Ratio (LMR)
engagement
Value:
$14,188
Peer Avg: $5,488
#69 of 2596
Top 2.6% in <100M tier
104
Loan Growth Rate
growth
Value:
18.17%
Peer Avg: 59.01%
#104 of 2596
Top 4.0% in <100M tier
135
Total Loans
balance_sheet
Value:
$50.99M
Peer Avg: $15.77M
#135 of 2596
Top 5.2% in <100M tier
147
Average Member Relationship (AMR)
engagement
Value:
$27,543
Peer Avg: $14,627
#147 of 2596
Top 5.6% in <100M tier
402
Net Worth Ratio
risk
Value:
22.47%
Peer Avg: 16.43%
#402 of 2596
Top 15.4% in <100M tier
415
Total Assets
balance_sheet
Value:
$62.11M
Peer Avg: $29.86M
#415 of 2596
Top 15.9% in <100M tier
453
Net Interest Margin (NIM)
profitability
Value:
4.84%
Peer Avg: 3.93%
#453 of 2596
Top 17.4% in <100M tier
488
AMR Growth Rate
growth
Value:
6.64%
Peer Avg: 4.67%
#488 of 2596
Top 18.8% in <100M tier
489
Member Growth Rate
growth
Value:
1.70%
Peer Avg: 14.92%
#489 of 2596
Top 18.8% in <100M tier
Top Weaknesses (6 metrics)
2581
Indirect Auto Concentration (%)
balance_sheet
Value:
72.94%
Peer Avg: 2.84%
#2581 of 2596
Bottom 0.6% in <100M tier
2330
Net Charge-Off Rate
risk
Value:
1.31%
Peer Avg: 0.57%
#2330 of 2596
Bottom 10.3% in <100M tier
2260
Share Certificate Concentration (%)
balance_sheet
Value:
33.63%
Peer Avg: 15.37%
#2260 of 2596
Bottom 13.0% in <100M tier
2258
Return on Assets (ROA)
profitability
Value:
-0.16%
Peer Avg: 0.68%
#2258 of 2596
Bottom 13.1% in <100M tier
2139
Total Delinquency Rate (60+ days)
risk
Value:
2.23%
Peer Avg: 1.51%
#2139 of 2596
Bottom 17.6% in <100M tier
2107
Fee Income Per Member
profitability
Value:
$10.20
Peer Avg: $182.96
#2107 of 2596
Bottom 18.9% in <100M tier