STRAIT VIEW

Charter #68231 | WA

100M-500M (1077 CUs) Micro
18 100M-500M in WA

STRAIT VIEW has 7 strengths but faces 14 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 10.2% in tier
  • + Wallet Share Momentum: Top 10.5% in tier
  • + Emerging Performer: Top 28.0% in tier
  • + ROA 0.01% above tier average
  • + Net Interest Margin 0.24% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Members Per Employee (MPE): Top 2.2% in tier

Key Concerns

Areas that may need attention

  • - Membership Headwinds: Bottom 2.8% in tier
  • - Stagnation Risk: Bottom 6.0% in tier
  • - Liquidity Overhang: Bottom 6.9% in tier
  • - Institutional Decline: Bottom 10.4% in tier
  • - Cost Spiral: Bottom 23.9% in tier
  • - Margin Compression: Bottom 27.2% in tier
  • - Member decline: -8.9% YoY
  • - Total Assets: Bottom 2.2% in tier
  • - Total Loans: Bottom 2.4% in tier
  • - Total Deposits: Bottom 2.4% in tier
  • - Member Growth Rate: Bottom 4.2% in tier
  • - Fee Income Per Member: Bottom 5.7% in tier
  • - Loan-to-Share Ratio: Bottom 7.1% in tier
  • - Loan Growth Rate: Bottom 7.3% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (WA) National Avg Tier Percentile
Members 7,213
-8.9% YoY-7.4% QoQ
 -8.4K 15,628
-3.4% YoY
 65,720
+2.5% YoY
 33,089
+6.1% YoY
 Bottom 11.7% in tier
Assets $103.8M
+0.3% YoY-0.9% QoQ
 $-127.5M $231.3M
-0.0% YoY
 $1.2B
+3.7% YoY
 $547.7M
+7.8% YoY
 Bottom 2.1% in tier
Loans $41.1M
-7.0% YoY-2.7% QoQ
 $-106.7M $147.8M
-1.4% YoY
 $909.1M
+5.1% YoY
 $388.7M
+8.6% YoY
 Bottom 2.3% in tier
Deposits $89.0M
-0.5% YoY-1.2% QoQ
 $-111.3M $200.3M
-0.0% YoY
 $1.0B
+6.5% YoY
 $464.6M
+9.3% YoY
 Bottom 2.3% in tier
ROA 0.8%
-27.1% YoY-2.1% QoQ
 +0.0% 0.8%
+15.5% YoY
 0.6%
+9.9% YoY
 0.7%
+273.4% YoY
 53rd in tier
NIM 3.8%
+1.3% YoY+1.5% QoQ
 +0.2% 3.6%
+6.9% YoY
 3.7%
+4.7% YoY
 3.7%
+5.0% YoY
 64th in tier
Efficiency Ratio 75.8%
+8.2% YoY+2.5% QoQ
 -1.5% 77.3%
-3.0% YoY
 76.4%
-1.1% YoY
 79.1%
-3.3% YoY
 46th in tier
Delinquency Rate 0.5%
-42.1% YoY-83.5% QoQ
 -0.4 0.9%
+7.6% YoY
 0.9%
-2.6% YoY
 1.2%
-0.9% YoY
 33rd in tier
Loan To Share 46.2%
-6.5% YoY-1.5% QoQ
 -26.5% 72.7%
-1.5% YoY
 76.9%
-2.2% YoY
 68.0%
-1.7% YoY
 Bottom 7.1% in tier
AMR $18,047
+6.8% YoY+6.1% QoQ
 $-6K $24,363
+2.9% YoY
 $28,761
+2.7% YoY
 $19,418
+1.3% YoY
 Bottom 23.1% in tier
CD Concentration 11.5%
-15.6% YoY-7.5% QoQ
 -12.9% 24.4%
+4.2% YoY
 22.3%
+2.5% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 17.1%
-8.4% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth
#281 of 1006 • Top 10.2% in tier

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

Why This Signature
AMR Growth (YoY): 6.82%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.7K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Wallet Share Momentum

growth
#290 of 1006 • Top 10.5% in tier

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

Why This Signature
AMR Growth (YoY): 6.82%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Emerging Performer

growth
#526 of 627 • Top 28.0% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.79%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): -8.86%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank worsening

Concerns (6)

Membership Headwinds

decline
#47 of 550 • Bottom 2.8% in tier

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

Why This Signature
Member Growth (YoY): -8.86%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Stagnation Risk

risk
#100 of 550 • Bottom 6.0% 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: 0.79%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -8.86%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $18.0K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 11.48%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Liquidity Overhang

risk
#107 of 552 • Bottom 6.9% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 13.83%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 46.20%
(Tier: 74.56%, National: 67.96%)
worse than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank improving

Institutional Decline

decline
#83 of 256 • Bottom 10.4% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $103.83M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
Member Growth (YoY): -8.86%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -6.99%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
256 of 1077 Community CUs have this signature | 293 nationally
↓ Shrinking -43 CUs YoY | New qualifier

Cost Spiral

risk
#59 of 62 • Bottom 23.9% in tier

Historically lean operator now seeing efficiency ratio rise significantly. Efficiency advantage eroding - early intervention critical.

Why This Signature
Efficiency Ratio Change: 5.74% points
(Tier: -2.84% points, National: -1.81% points)
worse than tier avg
Efficiency Ratio (Prior Year): -
(Tier: -, National: -)
Total Assets: $103.83M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
62 of 1077 Community CUs have this signature | 80 nationally
↓ Shrinking -38 CUs YoY | Rank improving

Margin Compression

decline
#115 of 136 • Bottom 27.2% in tier

Strong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.

Why This Signature
Return on Assets: 0.79%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
ROA Change (YoY): -0.30% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Total Assets: $103.83M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
136 of 1077 Community CUs have this signature | 169 nationally
↓ Shrinking -43 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 1077 peers in tier

Top Strengths (5 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
25
Members Per Employee (MPE)
engagement
Value: 601.083
Peer Avg: 332.881
#25 of 1077 Top 2.2% in 100M-500M tier
145
Share Certificate Concentration (%)
balance_sheet
Value: 11.48%
Peer Avg: 23.61%
#145 of 1077 Top 13.4% in 100M-500M tier
230
AMR Growth Rate
growth
Value: 6.82%
Peer Avg: 3.64%
#230 of 1077 Top 21.3% in 100M-500M tier
248
Net Worth Ratio
risk
Value: 13.83%
Peer Avg: 12.15%
#248 of 1077 Top 22.9% in 100M-500M tier

Top Weaknesses (12 metrics)

1054
Total Assets
balance_sheet
Value: $103.83M
Peer Avg: $231.30M
#1054 of 1077 Bottom 2.2% in 100M-500M tier
1052
Total Loans
balance_sheet
Value: $41.14M
Peer Avg: $147.80M
#1052 of 1077 Bottom 2.4% in 100M-500M tier
1052
Total Deposits
balance_sheet
Value: $89.04M
Peer Avg: $200.29M
#1052 of 1077 Bottom 2.4% in 100M-500M tier
1033
Member Growth Rate
growth
Value: -8.86%
Peer Avg: 0.72%
#1033 of 1077 Bottom 4.2% in 100M-500M tier
1017
Fee Income Per Member
profitability
Value: $71.29
Peer Avg: $174.31
#1017 of 1077 Bottom 5.7% in 100M-500M tier
1001
Loan-to-Share Ratio
balance_sheet
Value: 46.20%
Peer Avg: 72.70%
#1001 of 1077 Bottom 7.1% in 100M-500M tier
999
Loan Growth Rate
growth
Value: -6.99%
Peer Avg: 3.45%
#999 of 1077 Bottom 7.3% in 100M-500M tier
960
Loan-to-Member Ratio (LMR)
engagement
Value: $5,703
Peer Avg: $10,245
#960 of 1077 Bottom 11.0% in 100M-500M tier
950
Total Members
engagement
Value: 7,213
Peer Avg: 15,628
#950 of 1077 Bottom 11.9% in 100M-500M tier
910
Deposit Growth Rate
growth
Value: -0.49%
Peer Avg: 4.69%
#910 of 1077 Bottom 15.6% in 100M-500M tier