RESPONDERS EMERGENCY SERVICES
Charter #68305 | WA
<100M
(2596 CUs)
Micro
($0-$500M)
33 <100M in WA
RESPONDERS EMERGENCY SERVICES demonstrates 6 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.05% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 3.5% in tier
- + Average Member Relationship (AMR): Top 3.7% in tier
- + Member Growth Rate: Top 8.0% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,681
+4.2% YoY+0.3% QoQ
|
+55 |
2,625
-2.2% YoY
|
65,720
+2.5% YoY
|
33,089
+6.1% YoY
|
62nd in tier |
| Assets |
$57.1M
-0.8% YoY-2.2% QoQ
|
+$27.3M |
$29.9M
+1.1% YoY
|
$1.2B
+3.7% YoY
|
$547.7M
+7.8% YoY
|
Top 18.5% in tier |
| Loans |
$34.3M
-7.9% YoY-4.1% QoQ
|
+$18.5M |
$15.8M
-2.4% YoY
|
$909.1M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
Top 14.4% in tier |
| Deposits |
$47.4M
-1.9% YoY-3.0% QoQ
|
+$21.9M |
$25.5M
+0.4% YoY
|
$1.0B
+6.5% YoY
|
$464.6M
+9.3% YoY
|
Top 19.5% in tier |
| ROA |
0.7%
+22.1% YoY+19.7% QoQ
|
+0.1% |
0.7%
-731.4% YoY
|
0.6%
+9.9% YoY
|
0.7%
+273.4% YoY
|
48th in tier |
| NIM |
3.2%
+5.2% YoY+1.9% QoQ
|
-0.7% |
3.9%
+3.8% YoY
|
3.7%
+4.7% YoY
|
3.7%
+5.0% YoY
|
Bottom 24.2% in tier |
| Efficiency Ratio |
80.0%
-3.9% YoY-2.1% QoQ
|
-1.4% |
81.4%
-2.4% YoY
|
76.4%
-1.1% YoY
|
79.1%
-3.3% YoY
|
54th in tier |
| Delinquency Rate |
0.0%
-100.0% QoQ
|
-1.5 |
1.5%
-2.0% YoY
|
0.9%
-2.6% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
72.3%
-6.1% YoY-1.1% QoQ
|
+11.0% |
61.2%
-3.0% YoY
|
76.9%
-2.2% YoY
|
68.0%
-1.7% YoY
|
66th in tier |
| AMR |
$30,455
-8.4% YoY-3.8% QoQ
|
+$16K |
$14,627
-2.7% YoY
|
$28,761
+2.7% YoY
|
$19,418
+1.3% YoY
|
Top 3.8% in tier |
| CD Concentration |
19.9%
+14.2% YoY+9.3% QoQ
|
-4.5% |
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 (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 (9 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: 1.51%
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
92
Loan-to-Member Ratio (LMR)
engagement
Value:
$12,776
Peer Avg: $5,488
#92 of 2596
Top 3.5% in <100M tier
98
Average Member Relationship (AMR)
engagement
Value:
$30,455
Peer Avg: $14,627
#98 of 2596
Top 3.7% in <100M tier
208
Member Growth Rate
growth
Value:
4.24%
Peer Avg: 14.92%
#208 of 2596
Top 8.0% in <100M tier
375
Total Loans
balance_sheet
Value:
$34.25M
Peer Avg: $15.77M
#375 of 2596
Top 14.4% in <100M tier
479
Total Assets
balance_sheet
Value:
$57.13M
Peer Avg: $29.86M
#479 of 2596
Top 18.4% in <100M tier
506
Total Deposits
balance_sheet
Value:
$47.40M
Peer Avg: $25.45M
#506 of 2596
Top 19.5% in <100M tier
610
Fee Income Per Member
profitability
Value:
$122.06
Peer Avg: $182.96
#610 of 2596
Top 23.5% in <100M tier
Top Weaknesses (3 metrics)
2332
AMR Growth Rate
growth
Value:
-8.37%
Peer Avg: 4.67%
#2332 of 2596
Bottom 10.2% in <100M tier
1967
Net Interest Margin (NIM)
profitability
Value:
3.21%
Peer Avg: 3.93%
#1967 of 2596
Bottom 24.3% in <100M tier
1956
Members Per Employee (MPE)
engagement
Value:
243.727
Peer Avg: 365.701
#1956 of 2596
Bottom 24.7% in <100M tier