TECH

Charter #68225 | IN

500M-750M (169 CUs) Community (281 CUs)
5 500M-750M in IN

TECH has 2 strengths but faces 11 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 12.8% in tier
  • + Relationship Depth Leader: Top 14.3% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 2.9% in tier
  • - Growth-at-Risk: Bottom 8.4% in tier
  • - Efficiency Drag: Bottom 9.2% in tier
  • - Indirect Auto Dependency: Bottom 20.7% in tier
  • - Liquidity Strain: Bottom 25.5% in tier
  • - Stagnation Risk: Bottom 30.9% in tier
  • - Membership Headwinds: Bottom 33.1% in tier
  • - ROA 0.35% below tier average
  • - Efficiency ratio 11.05% above tier (higher cost structure)
  • - Delinquency rate 1.07% above tier average
  • - Total Delinquency Rate (60+ days): Bottom 5.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Members 38,059
-0.5% YoY+0.3% QoQ
 -1.7K 39,752
-2.7% YoY
 22,637
+3.1% YoY
 33,089
+6.1% YoY
 50th in tier
Assets $566.0M
+6.5% YoY+1.1% QoQ
 $-56.4M $622.4M
+0.3% YoY
 $383.9M
+8.8% YoY
 $547.7M
+7.8% YoY
 29th in tier
Loans $473.5M
+4.1% YoY+2.3% QoQ
 +$37.5M $435.9M
-0.4% YoY
 $276.9M
+7.4% YoY
 $388.7M
+8.6% YoY
 66th in tier
Deposits $514.7M
+7.0% YoY+1.3% QoQ
 $-23.3M $538.0M
+1.3% YoY
 $323.0M
+10.5% YoY
 $464.6M
+9.3% YoY
 38th in tier
ROA 0.3%
-229.1% YoY+68.6% QoQ
 -0.3% 0.7%
+33.9% YoY
 0.9%
+24.5% YoY
 0.7%
+273.4% YoY
 28th in tier
NIM 3.4%
+12.3% YoY+2.7% QoQ
 -0.0% 3.4%
+8.6% YoY
 3.8%
+8.0% YoY
 3.7%
+5.0% YoY
 46th in tier
Efficiency Ratio 89.1%
-13.0% YoY-3.4% QoQ
 +11.1% 78.1%
-3.4% YoY
 77.7%
-3.5% YoY
 79.1%
-3.3% YoY
 Top 13.0% in tier
Delinquency Rate 1.9%
+68.9% YoY-6.7% QoQ
 +1.1 0.8%
-4.9% YoY
 1.3%
+19.3% YoY
 1.2%
-0.9% YoY
 Top 5.9% in tier
Loan To Share 92.0%
-2.7% YoY+0.9% QoQ
 +11.0% 81.0%
-1.8% YoY
 69.6%
-2.1% YoY
 68.0%
-1.7% YoY
 Top 21.9% in tier
AMR $25,965
+6.1% YoY+1.5% QoQ
 $-516 $26,482
+2.6% YoY
 $18,326
+4.3% YoY
 $19,418
+1.3% YoY
 56th in tier
CD Concentration 26.8%
-2.1% YoY-3.1% QoQ
 +2.4% 24.4%
+4.2% YoY
 19.0%
+9.9% YoY
 19.6%
+6.2% YoY
 59th in tier
Indirect Auto % 17.0%
-16.5% YoY-5.0% QoQ
 +3.1% 14.0%
-5.8% YoY
 11.0%
-3.5% YoY
 7.9%
-2.9% YoY
 66th in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#354 of 1006 • Top 12.8% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 6.14%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Relationship Depth Leader

growth
#394 of 1006 • Top 14.3% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 6.14%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.6K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Concerns (7)

Credit Quality Pressure

risk
#73 of 736 • Bottom 2.9% in tier

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

Why This Signature
Delinquency Change (YoY): 0.76% 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 | Rank improving

Growth-at-Risk

risk
#127 of 446 • Bottom 8.4% in tier

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

Why This Signature
Loan Growth (YoY): 4.09%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.76% 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

Efficiency Drag

risk
#164 of 521 • Bottom 9.2% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 89.15%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.55% points
(Tier: 0.11% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): -0.53%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 281 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#334 of 525 • Bottom 20.7% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 6.53%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 17.04%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -0.53%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 281 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank improving

Liquidity Strain

risk
#198 of 258 • Bottom 25.5% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 91.99%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 4.09%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
258 of 281 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | Rank worsening

Stagnation Risk

risk
#509 of 550 • Bottom 30.9% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.31%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -0.53%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $26.0K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 26.84%
(Tier: 24.41%, National: 19.60%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Membership Headwinds

decline
#546 of 550 • Bottom 33.1% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -0.53%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

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 169 peers in tier

Top Strengths (2 metrics)

30
Net Charge-Off Rate
risk
Value: 0.16%
Peer Avg: 0.51%
#30 of 169 Top 17.2% in 500M-750M tier
37
Loan-to-Share Ratio
balance_sheet
Value: 91.99%
Peer Avg: 81.02%
#37 of 169 Top 21.3% in 500M-750M tier

Top Weaknesses (4 metrics)

160
Total Delinquency Rate (60+ days)
risk
Value: 1.87%
Peer Avg: 0.80%
#160 of 169 Bottom 5.9% in 500M-750M tier
148
Efficiency Ratio
profitability
Value: 89.15%
Peer Avg: 78.10%
#148 of 169 Bottom 13.0% in 500M-750M tier
145
Net Worth Ratio
risk
Value: 8.65%
Peer Avg: 10.94%
#145 of 169 Bottom 14.8% in 500M-750M tier
135
Members Per Employee (MPE)
engagement
Value: 258.905
Peer Avg: 338.010
#135 of 169 Bottom 20.7% in 500M-750M tier