SNO FALLS

Charter #68293 | WA

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

SNO FALLS has 7 strengths but faces 15 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 0.6% in tier
  • + Wallet Share Momentum: Top 6.9% in tier
  • + Emerging Performer: Top 32.3% in tier
  • + Net Interest Margin 1.18% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Share Certificate Concentration (%): Top 7.5% in tier
  • + Fee Income Per Member: Top 8.4% in tier

Key Concerns

Areas that may need attention

  • - Membership Headwinds: Bottom 4.4% in tier
  • - Credit Quality Pressure: Bottom 5.2% in tier
  • - Stagnation Risk: Bottom 6.8% in tier
  • - Growth-at-Risk: Bottom 17.8% in tier
  • - Efficiency Drag: Bottom 20.1% in tier
  • - ROA 0.46% below tier average
  • - Efficiency ratio 13.96% above tier (higher cost structure)
  • - Delinquency rate 1.09% above tier average
  • - Member decline: -6.7% YoY
  • - Total Assets: Bottom 0.1% in tier
  • - Total Members: Bottom 3.7% in tier
  • - Total Deposits: Bottom 3.9% in tier
  • - Member Growth Rate: Bottom 6.2% in tier
  • - Total Delinquency Rate (60+ days): Bottom 7.5% in tier
  • - Net Worth Ratio: Bottom 7.6% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (WA) National Avg Tier Percentile
Members 5,243
-6.7% YoY-1.6% QoQ
 -10.4K 15,628
-3.4% YoY
 65,720
+2.5% YoY
 33,089
+6.1% YoY
 Bottom 3.6% in tier
Assets $100.2M
-0.5% YoY+4.8% QoQ
 $-131.1M $231.3M
-0.0% YoY
 $1.2B
+3.7% YoY
 $547.7M
+7.8% YoY
 Bottom 0.0% in tier
Loans $71.1M
+1.4% YoY+3.1% QoQ
 $-76.7M $147.8M
-1.4% YoY
 $909.1M
+5.1% YoY
 $388.7M
+8.6% YoY
 Bottom 16.1% in tier
Deposits $91.4M
+0.8% YoY+5.3% QoQ
 $-108.9M $200.3M
-0.0% YoY
 $1.0B
+6.5% YoY
 $464.6M
+9.3% YoY
 Bottom 3.8% in tier
ROA 0.3%
-305.1% YoY-9.6% QoQ
 -0.5% 0.8%
+15.5% YoY
 0.6%
+9.9% YoY
 0.7%
+273.4% YoY
 Bottom 20.4% in tier
NIM 4.8%
+15.0% YoY+0.3% QoQ
 +1.2% 3.6%
+6.9% YoY
 3.7%
+4.7% YoY
 3.7%
+5.0% YoY
 Top 4.8% in tier
Efficiency Ratio 91.2%
-11.1% YoY-1.0% QoQ
 +14.0% 77.3%
-3.0% YoY
 76.4%
-1.1% YoY
 79.1%
-3.3% YoY
 Top 8.4% in tier
Delinquency Rate 2.0%
+37.3% YoY-10.8% QoQ
 +1.1 0.9%
+7.6% YoY
 0.9%
-2.6% YoY
 1.2%
-0.9% YoY
 Top 7.5% in tier
Loan To Share 77.8%
+0.6% YoY-2.1% QoQ
 +5.1% 72.7%
-1.5% YoY
 76.9%
-2.2% YoY
 68.0%
-1.7% YoY
 58th in tier
AMR $30,989
+8.3% YoY+6.0% QoQ
 +$7K $24,363
+2.9% YoY
 $28,761
+2.7% YoY
 $19,418
+1.3% YoY
 Top 14.3% in tier
CD Concentration 7.7%
-11.2% YoY-7.2% QoQ
 -16.7% 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
#17 of 1006 • Top 0.6% in tier

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

Why This Signature
AMR Growth (YoY): 8.30%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $5.9K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Wallet Share Momentum

growth
#190 of 1006 • Top 6.9% in tier

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

Why This Signature
AMR Growth (YoY): 8.30%
(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 improving

Emerging Performer

growth
#606 of 627 • Top 32.3% in tier

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

Why This Signature
Return on Assets: 0.33%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): -6.67%
(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 | New qualifier

Concerns (5)

Membership Headwinds

decline
#73 of 550 • Bottom 4.4% in tier

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

Why This Signature
Member Growth (YoY): -6.67%
(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 worsening

Credit Quality Pressure

risk
#129 of 736 • Bottom 5.2% in tier

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

Why This Signature
Delinquency Change (YoY): 0.53% 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 | Rank worsening

Stagnation Risk

risk
#113 of 550 • Bottom 6.8% 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: 0.33%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -6.67%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $31.0K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 7.66%
(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 | Rank improving

Growth-at-Risk

risk
#267 of 446 • Bottom 17.8% in tier

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

Why This Signature
Loan Growth (YoY): 1.40%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 0.53% 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
#355 of 521 • Bottom 20.1% in tier

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

Why This Signature
Efficiency Ratio: 91.24%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.49% points
(Tier: 0.11% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): -6.67%
(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 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 (8 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
52
Net Interest Margin (NIM)
profitability
Value: 4.76%
Peer Avg: 3.58%
#52 of 1077 Top 4.7% in 100M-500M tier
82
Share Certificate Concentration (%)
balance_sheet
Value: 7.66%
Peer Avg: 23.61%
#82 of 1077 Top 7.5% in 100M-500M tier
92
Fee Income Per Member
profitability
Value: $276.62
Peer Avg: $174.31
#92 of 1077 Top 8.4% in 100M-500M tier
148
AMR Growth Rate
growth
Value: 8.30%
Peer Avg: 3.64%
#148 of 1077 Top 13.6% in 100M-500M tier
154
Average Member Relationship (AMR)
engagement
Value: $30,989
Peer Avg: $24,363
#154 of 1077 Top 14.2% in 100M-500M tier
162
Loan-to-Member Ratio (LMR)
engagement
Value: $13,558
Peer Avg: $10,245
#162 of 1077 Top 14.9% in 100M-500M tier
237
Net Charge-Off Rate
risk
Value: 0.15%
Peer Avg: 0.47%
#237 of 1077 Top 21.9% in 100M-500M tier

Top Weaknesses (13 metrics)

1077
Total Assets
balance_sheet
Value: $100.22M
Peer Avg: $231.30M
#1077 of 1077 Bottom 0.1% in 100M-500M tier
1038
Total Members
engagement
Value: 5,243
Peer Avg: 15,628
#1038 of 1077 Bottom 3.7% in 100M-500M tier
1036
Total Deposits
balance_sheet
Value: $91.39M
Peer Avg: $200.29M
#1036 of 1077 Bottom 3.9% in 100M-500M tier
1011
Member Growth Rate
growth
Value: -6.67%
Peer Avg: 0.72%
#1011 of 1077 Bottom 6.2% in 100M-500M tier
997
Total Delinquency Rate (60+ days)
risk
Value: 1.95%
Peer Avg: 0.86%
#997 of 1077 Bottom 7.5% in 100M-500M tier
996
Net Worth Ratio
risk
Value: 8.43%
Peer Avg: 12.15%
#996 of 1077 Bottom 7.6% in 100M-500M tier
988
Efficiency Ratio
profitability
Value: 91.24%
Peer Avg: 77.28%
#988 of 1077 Bottom 8.4% in 100M-500M tier
967
Members Per Employee (MPE)
engagement
Value: 227.957
Peer Avg: 332.881
#967 of 1077 Bottom 10.3% in 100M-500M tier
904
Total Loans
balance_sheet
Value: $71.08M
Peer Avg: $147.80M
#904 of 1077 Bottom 16.2% in 100M-500M tier
899
Asset Growth Rate
growth
Value: -0.48%
Peer Avg: 4.70%
#899 of 1077 Bottom 16.6% in 100M-500M tier