TRAVIS

Charter #68429 | CA

5B-7B (34 CUs) Large (64 CUs)
7 5B-7B in CA

TRAVIS has 5 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 27.6% in tier
  • + Organic Growth Engine: Top 33.1% in tier
  • + Relationship Depth Leader: Top 35.0% in tier
  • + Wallet Share Momentum: Top 38.5% in tier
  • + Net Interest Margin 0.17% above tier average

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 10.1% in tier
  • - Liquidity Strain: Bottom 29.4% in tier
  • - ROA 0.33% below tier average
  • - Efficiency ratio 3.21% above tier (higher cost structure)
  • - Delinquency rate 0.13% above tier average

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 264,723
+2.7% YoY+1.5% QoQ
 -25.0K 289,724
-2.8% YoY
 59,606
+5.7% YoY
 33,089
+6.1% YoY
 35th in tier
Assets $5.4B
+4.0% YoY+0.3% QoQ
 $-379.3M $5.8B
+0.2% YoY
 $1.2B
+6.2% YoY
 $547.7M
+7.8% YoY
 32nd in tier
Loans $4.2B
+2.6% YoY+0.7% QoQ
 +$132.7M $4.1B
-3.1% YoY
 $845.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 50th in tier
Deposits $4.5B
+3.9% YoY-0.2% QoQ
 $-398.7M $4.9B
+2.2% YoY
 $1.0B
+8.8% YoY
 $464.6M
+9.3% YoY
 29th in tier
ROA 0.5%
+7.4% YoY+13.2% QoQ
 -0.3% 0.8%
+15.5% YoY
 0.6%
+30.0% YoY
 0.7%
+273.4% YoY
 Bottom 14.7% in tier
NIM 3.1%
+11.0% YoY+3.6% QoQ
 +0.2% 2.9%
+3.9% YoY
 3.3%
+6.5% YoY
 3.7%
+5.0% YoY
 59th in tier
Efficiency Ratio 71.3%
-2.5% YoY-1.7% QoQ
 +3.2% 68.1%
-1.7% YoY
 79.3%
-6.2% YoY
 79.1%
-3.3% YoY
 68th in tier
Delinquency Rate 0.7%
-0.1% YoY+5.8% QoQ
 +0.1 0.6%
-2.2% YoY
 0.7%
-38.7% YoY
 1.2%
-0.9% YoY
 65th in tier
Loan To Share 93.9%
-1.2% YoY+0.8% QoQ
 +10.3% 83.6%
-5.7% YoY
 68.8%
-1.5% YoY
 68.0%
-1.7% YoY
 68th in tier
AMR $32,883
+0.5% YoY-1.2% QoQ
 $-2K $34,398
+4.0% YoY
 $28,514
+2.8% YoY
 $19,418
+1.3% YoY
 59th in tier
CD Concentration 21.9%
-6.1% YoY-2.1% QoQ
 -6.9% 28.9%
-1.3% YoY
 21.7%
+4.2% YoY
 19.6%
+6.2% YoY
 Bottom 21.9% in tier
Indirect Auto % 32.1%
-9.0% YoY-3.2% QoQ
 +15.5% 16.6%
-10.3% YoY
 9.5%
-6.9% YoY
 7.9%
-2.9% YoY
 Top 14.1% in tier

Signature Analysis

Strengths (4)

Emerging Performer

growth
#25 of 31 • Top 27.6% in tier

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

Why This Signature
Return on Assets: 0.47%
(Tier: 0.91%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): 2.72%
(Tier: 3.07%, National: 9.37%)
but worse than tier avg
31 of 64 Large CUs have this signature | 852 nationally
→ Stable (27→31 CUs) +4 CUs YoY | Rank worsening

Organic Growth Engine

growth
#50 of 50 • Top 33.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.72%
(Tier: 3.07%, National: 9.37%)
but worse than tier avg
Return on Assets: 0.47%
(Tier: 0.91%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 32.12%
(Tier: 16.60%, National: 7.90%)
but worse than tier avg
50 of 64 Large CUs have this signature | 917 nationally
→ Stable (52→50 CUs) -2 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#42 of 46 • Top 35.0% in tier

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

Why This Signature
AMR Growth (YoY): 0.52%
(Tier: 2.82%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $2.8K
(Tier: $3.2K, National: $2.0K)
but worse than tier avg
46 of 64 Large CUs have this signature | 1330 nationally
↑ Growing +18 CUs YoY | New qualifier

Wallet Share Momentum

growth
#46 of 46 • Top 38.5% in tier

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

Why This Signature
AMR Growth (YoY): 0.52%
(Tier: 2.82%, National: 4.19%)
but worse than tier avg
46 of 64 Large CUs have this signature | 1330 nationally
↑ Growing +18 CUs YoY | New qualifier

Concerns (2)

Indirect Auto Dependency

risk
#11 of 33 • Bottom 10.1% in tier

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

Why This Signature
Asset Growth (YoY): 3.97%
(Tier: 4.60%, National: 3.04%)
worse than tier avg
Indirect Auto %: 32.12%
(Tier: 16.60%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 2.72%
(Tier: 3.07%, National: 9.37%)
worse than tier avg
33 of 64 Large CUs have this signature | 768 nationally
→ Stable (34→33 CUs) -1 CUs YoY

Liquidity Strain

risk
#26 of 32 • Bottom 29.4% in tier

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

Why This Signature
Loan-to-Share Ratio: 93.89%
(Tier: 84.48%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 2.63%
(Tier: 4.99%, National: 36.38%)
worse than tier avg
32 of 64 Large CUs have this signature | 484 nationally
→ Stable (27→32 CUs) +5 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 34 peers in tier

Top Strengths (1 metrics)

7
Share Certificate Concentration (%)
balance_sheet
Value: 21.92%
Peer Avg: 30.59%
#7 of 34 Top 17.6% in 5B-7B tier

Top Weaknesses (4 metrics)

31
Indirect Auto Concentration (%)
balance_sheet
Value: 32.12%
Peer Avg: 14.61%
#31 of 34 Bottom 11.8% in 5B-7B tier
30
Fee Income Per Member
profitability
Value: $148.62
Peer Avg: $213.89
#30 of 34 Bottom 14.7% in 5B-7B tier
29
Return on Assets (ROA)
profitability
Value: 0.47%
Peer Avg: 0.80%
#29 of 34 Bottom 17.6% in 5B-7B tier
28
AMR Growth Rate
growth
Value: 0.52%
Peer Avg: 3.75%
#28 of 34 Bottom 20.6% in 5B-7B tier