CONNECTIONS

Charter #68257 | ID

100M-500M (1077 CUs) Micro
9 100M-500M in ID

CONNECTIONS has 3 strengths but faces 11 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 19.6% in tier
  • + Wallet Share Momentum: Top 19.6% in tier
  • + Net Interest Margin 0.32% above tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 7.5% in tier
  • - Growth-at-Risk: Bottom 10.3% in tier
  • - Efficiency Drag: Bottom 17.9% in tier
  • - Membership Headwinds: Bottom 24.3% in tier
  • - Liquidity Strain: Bottom 25.6% in tier
  • - Indirect Auto Dependency: Bottom 26.5% in tier
  • - Stagnation Risk: Bottom 27.0% in tier
  • - ROA 0.33% below tier average
  • - Efficiency ratio 4.08% above tier (higher cost structure)
  • - Delinquency rate 0.23% above tier average
  • - Net Worth Ratio: Bottom 6.0% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (ID) National Avg Tier Percentile
Members 19,630
-1.4% YoY-1.0% QoQ
 +4.0K 15,628
-3.4% YoY
 53,577
+7.1% YoY
 33,089
+6.1% YoY
 74th in tier
Assets $252.6M
+2.3% YoY+1.2% QoQ
 +$21.3M $231.3M
-0.0% YoY
 $936.8M
+11.3% YoY
 $547.7M
+7.8% YoY
 64th in tier
Loans $210.1M
+4.5% YoY+2.4% QoQ
 +$62.3M $147.8M
-1.4% YoY
 $777.6M
+12.0% YoY
 $388.7M
+8.6% YoY
 Top 22.3% in tier
Deposits $228.5M
+1.3% YoY+0.8% QoQ
 +$28.2M $200.3M
-0.0% YoY
 $812.6M
+12.3% YoY
 $464.6M
+9.3% YoY
 66th in tier
ROA 0.5%
+33.3% YoY+9.1% QoQ
 -0.3% 0.8%
+15.5% YoY
 0.6%
-15.0% YoY
 0.7%
+273.4% YoY
 29th in tier
NIM 3.9%
+1.6% YoY+2.0% QoQ
 +0.3% 3.6%
+6.9% YoY
 3.7%
+5.1% YoY
 3.7%
+5.0% YoY
 67th in tier
Efficiency Ratio 81.4%
-1.9% YoY-0.8% QoQ
 +4.1% 77.3%
-3.0% YoY
 73.1%
-2.3% YoY
 79.1%
-3.3% YoY
 65th in tier
Delinquency Rate 1.1%
+59.7% YoY-43.0% QoQ
 +0.2 0.9%
+7.6% YoY
 0.9%
-2.1% YoY
 1.2%
-0.9% YoY
 75th in tier
Loan To Share 92.0%
+3.1% YoY+1.5% QoQ
 +19.3% 72.7%
-1.5% YoY
 85.6%
-1.1% YoY
 68.0%
-1.7% YoY
 Top 12.0% in tier
AMR $22,341
+4.3% YoY+2.6% QoQ
 $-2K $24,363
+2.9% YoY
 $24,176
+3.9% YoY
 $19,418
+1.3% YoY
 50th in tier
CD Concentration 31.4%
+3.9% YoY+0.2% QoQ
 +6.9% 24.4%
+4.2% YoY
 27.1%
+1.8% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 19.6%
-9.5% YoY-7.8% QoQ
 +5.6% 14.0%
-5.8% YoY
 12.1%
-5.5% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth
#542 of 1006 • Top 19.6% in tier

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

Why This Signature
AMR Growth (YoY): 4.34%
(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 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#542 of 1006 • Top 19.6% in tier

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

Why This Signature
AMR Growth (YoY): 4.34%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Concerns (7)

Credit Quality Pressure

risk
#186 of 736 • Bottom 7.5% in tier

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

Why This Signature
Delinquency Change (YoY): 0.41% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | New qualifier

Growth-at-Risk

risk
#156 of 446 • Bottom 10.3% in tier

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

Why This Signature
Loan Growth (YoY): 4.49%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.41% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 1077 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | New qualifier

Efficiency Drag

risk
#317 of 521 • Bottom 17.9% in tier

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

Why This Signature
Efficiency Ratio: 81.36%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.11% points
(Tier: 0.11% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): -1.45%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank improving

Membership Headwinds

decline
#401 of 550 • Bottom 24.3% in tier

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

Why This Signature
Member Growth (YoY): -1.45%
(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 | Rank improving

Liquidity Strain

risk
#199 of 258 • Bottom 25.6% in tier

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

Why This Signature
Loan-to-Share Ratio: 91.96%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 4.49%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
258 of 1077 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#427 of 525 • Bottom 26.5% in tier

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

Why This Signature
Asset Growth (YoY): 2.26%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 19.59%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -1.45%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank worsening

Stagnation Risk

risk
#446 of 550 • Bottom 27.0% 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: 0.46%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -1.45%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $22.3K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 31.35%
(Tier: 24.41%, National: 19.60%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

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 (2 metrics)

129
Loan-to-Share Ratio
balance_sheet
Value: 91.96%
Peer Avg: 72.70%
#129 of 1077 Top 11.9% in 100M-500M tier
240
Total Loans
balance_sheet
Value: $210.10M
Peer Avg: $147.80M
#240 of 1077 Top 22.2% in 100M-500M tier

Top Weaknesses (6 metrics)

1013
Net Worth Ratio
risk
Value: 8.26%
Peer Avg: 12.15%
#1013 of 1077 Bottom 6.0% in 100M-500M tier
944
Members Per Employee (MPE)
engagement
Value: 233.690
Peer Avg: 332.881
#944 of 1077 Bottom 12.4% in 100M-500M tier
937
First Mortgage Concentration (%)
balance_sheet
Value: 50.51%
Peer Avg: 30.43%
#937 of 1077 Bottom 13.1% in 100M-500M tier
892
Net Charge-Off Rate
risk
Value: 0.76%
Peer Avg: 0.47%
#892 of 1077 Bottom 17.3% in 100M-500M tier
852
Fee Income Per Member
profitability
Value: $112.28
Peer Avg: $174.31
#852 of 1077 Bottom 21.0% in 100M-500M tier
819
Share Certificate Concentration (%)
balance_sheet
Value: 31.35%
Peer Avg: 23.61%
#819 of 1077 Bottom 24.0% in 100M-500M tier