CAMPUS USA

Charter #68391 | FL

3B-5B (76 CUs) Mid-Market (380 CUs)
3 3B-5B in FL

CAMPUS USA has 6 strengths but faces 3 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 5.8% in tier
  • + Wallet Share Momentum: Top 25.3% in tier
  • + Relationship Depth Leader: Top 26.0% in tier
  • + ROA 0.52% above tier average
  • + Strong member growth: 5.1% YoY
  • + Efficiency Ratio: Top 7.9% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 5.8% in tier
  • - Liquidity Strain: Bottom 13.2% in tier
  • - Liquidity Overhang: Bottom 32.4% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Members 172,264
+5.1% YoY+1.4% QoQ
 -66.2K 238,465
+0.6% YoY
 69,671
+4.3% YoY
 33,089
+6.1% YoY
 Bottom 15.8% in tier
Assets $3.7B
+9.4% YoY+1.9% QoQ
 $-250.0M $4.0B
-0.1% YoY
 $1.1B
+3.8% YoY
 $547.7M
+7.8% YoY
 41st in tier
Loans $3.1B
+7.7% YoY+4.0% QoQ
 +$52.9M $3.0B
+3.3% YoY
 $773.4M
+7.4% YoY
 $388.7M
+8.6% YoY
 55th in tier
Deposits $3.2B
+8.8% YoY+1.4% QoQ
 $-177.8M $3.3B
+1.1% YoY
 $908.2M
+6.5% YoY
 $464.6M
+9.3% YoY
 34th in tier
ROA 1.3%
-2.6% YoY+3.3% QoQ
 +0.5% 0.7%
+5.3% YoY
 0.6%
+15.9% YoY
 0.7%
+273.4% YoY
 Top 17.1% in tier
NIM 2.9%
+6.7% YoY+0.3% QoQ
 -0.3% 3.2%
+13.7% YoY
 3.6%
+6.7% YoY
 3.7%
+5.0% YoY
 32nd in tier
Efficiency Ratio 58.1%
+1.9% YoY-2.8% QoQ
 -13.1% 71.3%
-0.6% YoY
 79.0%
+0.0% YoY
 79.1%
-3.3% YoY
 Bottom 7.9% in tier
Delinquency Rate 0.4%
-20.0% YoY-5.0% QoQ
 -0.4 0.8%
+15.9% YoY
 0.7%
+3.1% YoY
 1.2%
-0.9% YoY
 Bottom 25.0% in tier
Loan To Share 97.4%
-1.0% YoY+2.5% QoQ
 +6.5% 90.8%
+2.0% YoY
 71.2%
+0.4% YoY
 68.0%
-1.7% YoY
 66th in tier
AMR $36,149
+3.0% YoY+1.3% QoQ
 +$7K $29,088
+0.1% YoY
 $22,283
+3.7% YoY
 $19,418
+1.3% YoY
 Top 17.1% in tier
CD Concentration 40.3%
+2.8% YoY+1.7% QoQ
 +11.3% 29.0%
+0.8% YoY
 23.4%
+4.5% YoY
 19.6%
+6.2% YoY
 Top 11.1% in tier
Indirect Auto % 33.7%
+3.0% YoY+2.1% QoQ
 +14.9% 18.8%
-2.8% YoY
 10.9%
-1.4% YoY
 7.9%
-2.9% YoY
 Top 19.0% in tier

Signature Analysis

Strengths (3)

Organic Growth Engine

growth
#43 of 246 • Top 5.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 5.08%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 1.27%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 33.68%
(Tier: 18.80%, National: 7.90%)
but worse than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#184 of 264 • Top 25.3% in tier

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

Why This Signature
AMR Growth (YoY): 3.00%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Relationship Depth Leader

growth
#189 of 264 • Top 26.0% in tier

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

Why This Signature
AMR Growth (YoY): 3.00%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $2.8K
(Tier: $3.1K, National: $2.0K)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Concerns (3)

Indirect Auto Dependency

risk
#37 of 202 • Bottom 5.8% in tier

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

Why This Signature
Asset Growth (YoY): 9.38%
(Tier: 5.36%, National: 3.04%)
but better than tier avg
Indirect Auto %: 33.68%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 5.08%
(Tier: 3.18%, National: 9.37%)
but better than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank improving

Liquidity Strain

risk
#70 of 183 • Bottom 13.2% in tier

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

Why This Signature
Loan-to-Share Ratio: 97.35%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 7.71%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY | Rank improving

Liquidity Overhang

risk
#105 of 113 • Bottom 32.4% 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: 12.40%
(Tier: 11.30%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 97.35%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
113 of 380 Mid-Market CUs have this signature | 691 nationally
↑ Growing +9 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 76 peers in tier

Top Strengths (8 metrics)

7
Efficiency Ratio
profitability
Value: 58.12%
Peer Avg: 71.26%
#7 of 76 Top 7.9% in 3B-5B tier
12
Net Worth Ratio
risk
Value: 12.40%
Peer Avg: 10.75%
#12 of 76 Top 14.5% in 3B-5B tier
12
Loan-to-Member Ratio (LMR)
engagement
Value: $17,832
Peer Avg: $13,761
#12 of 76 Top 14.5% in 3B-5B tier
13
Return on Assets (ROA)
profitability
Value: 1.27%
Peer Avg: 0.75%
#13 of 76 Top 15.8% in 3B-5B tier
13
Average Member Relationship (AMR)
engagement
Value: $36,149
Peer Avg: $29,088
#13 of 76 Top 15.8% in 3B-5B tier
14
Asset Growth Rate
growth
Value: 9.38%
Peer Avg: 7.42%
#14 of 76 Top 17.1% in 3B-5B tier
20
Deposit Growth Rate
growth
Value: 8.75%
Peer Avg: 8.84%
#20 of 76 Top 25.0% in 3B-5B tier
20
Total Delinquency Rate (60+ days)
risk
Value: 0.41%
Peer Avg: 0.84%
#20 of 76 Top 25.0% in 3B-5B tier

Top Weaknesses (3 metrics)

64
Total Members
engagement
Value: 172,264
Peer Avg: 238,466
#64 of 76 Bottom 17.1% in 3B-5B tier
62
Share Certificate Concentration (%)
balance_sheet
Value: 40.29%
Peer Avg: 30.70%
#62 of 76 Bottom 19.7% in 3B-5B tier
60
Indirect Auto Concentration (%)
balance_sheet
Value: 33.68%
Peer Avg: 20.57%
#60 of 76 Bottom 22.4% in 3B-5B tier