FINANCIAL PARTNERS

Charter #68457 | CA

1B-3B (304 CUs) Mid-Market (380 CUs)
40 1B-3B in CA

FINANCIAL PARTNERS has 4 strengths but faces 12 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 32.7% in tier
  • + Organic Growth Leader: Top 34.2% in tier
  • + Total Delinquency Rate (60+ days): Top 8.9% in tier
  • + Loan-to-Member Ratio (LMR): Top 9.9% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 1.2% in tier
  • - Deposit Outflow: Bottom 1.6% in tier
  • - Shrinking Wallet Share: Bottom 2.3% in tier
  • - Wealth Migration Risk: Bottom 6.5% in tier
  • - Capital Constraint: Bottom 9.1% in tier
  • - Liquidity Strain: Bottom 29.4% in tier
  • - ROA 0.48% below tier average
  • - Efficiency ratio 12.99% above tier (higher cost structure)
  • - Deposit Growth Rate: Bottom 2.0% in tier
  • - AMR Growth Rate: Bottom 3.0% in tier
  • - Loan Growth Rate: Bottom 8.2% in tier
  • - Share Certificate Concentration (%): Bottom 9.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 93,682
+0.7% YoY+0.4% QoQ
 -5.0K 98,678
-1.9% YoY
 59,606
+5.7% YoY
 33,089
+6.1% YoY
 54th in tier
Assets $2.2B
-0.9% YoY-1.7% QoQ
 +$498.9M $1.7B
+0.5% YoY
 $1.2B
+6.2% YoY
 $547.7M
+7.8% YoY
 Top 24.3% in tier
Loans $1.7B
-5.4% YoY-5.2% QoQ
 +$429.9M $1.2B
+0.5% YoY
 $845.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 Top 20.7% in tier
Deposits $1.8B
-9.8% YoY-1.8% QoQ
 +$305.1M $1.5B
+1.3% YoY
 $1.0B
+8.8% YoY
 $464.6M
+9.3% YoY
 72nd in tier
ROA 0.2%
+30.5% YoY+147.0% QoQ
 -0.5% 0.7%
+13.4% YoY
 0.6%
+30.0% YoY
 0.7%
+273.4% YoY
 Bottom 9.5% in tier
NIM 2.5%
+17.4% YoY+7.3% QoQ
 -0.8% 3.3%
+9.3% YoY
 3.3%
+6.5% YoY
 3.7%
+5.0% YoY
 Bottom 11.2% in tier
Efficiency Ratio 87.0%
+5.5% YoY-3.3% QoQ
 +13.0% 74.0%
-10.9% YoY
 79.3%
-6.2% YoY
 79.1%
-3.3% YoY
 Top 5.3% in tier
Delinquency Rate 0.3%
-49.2% YoY+10.7% QoQ
 -0.6 0.8%
+6.1% YoY
 0.7%
-38.7% YoY
 1.2%
-0.9% YoY
 Bottom 8.9% in tier
Loan To Share 94.5%
+4.9% YoY-3.5% QoQ
 +9.3% 85.2%
-0.8% YoY
 68.8%
-1.5% YoY
 68.0%
-1.7% YoY
 72nd in tier
AMR $36,532
-8.3% YoY-3.9% QoQ
 +$7K $29,172
+2.8% YoY
 $28,514
+2.8% YoY
 $19,418
+1.3% YoY
 Top 12.2% in tier
CD Concentration 39.8%
-5.7% YoY+5.9% QoQ
 +10.8% 29.0%
+0.8% YoY
 21.7%
+4.2% YoY
 19.6%
+6.2% YoY
 Top 11.9% in tier
Indirect Auto % 1.3%
-26.2% YoY-0.5% QoQ
 -17.5% 18.8%
-2.8% YoY
 9.5%
-6.9% YoY
 7.9%
-2.9% YoY
 Bottom 18.5% in tier

Signature Analysis

Strengths (2)

Organic Growth Engine

growth
#238 of 246 • Top 32.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 0.68%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
Return on Assets: 0.22%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 1.32%
(Tier: 18.80%, National: 7.90%)
better than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank worsening

Organic Growth Leader

growth
#135 of 138 • Top 34.2% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 0.68%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
138 of 380 Mid-Market CUs have this signature | 608 nationally
↑ Growing +11 CUs YoY | Rank worsening

Concerns (6)

Efficiency Drag

risk
#5 of 96 • Bottom 1.2% in tier

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

Why This Signature
Efficiency Ratio: 86.97%
(Tier: 73.45%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.05% points
(Tier: 0.07% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): 0.68%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
96 of 380 Mid-Market CUs have this signature | 624 nationally
↓ Shrinking -32 CUs YoY | Rank improving

Deposit Outflow

decline
#3 of 25 • Bottom 1.6% in tier

Members staying but deposits leaving. They're losing to higher-yield competitors - rate pressure is real.

Why This Signature
Deposit Growth (YoY): -9.81%
(Tier: 6.24%, National: 12.00%)
worse than tier avg
Total Assets: $2.22B
(Tier: $1.72B, National: $547.69M)
but better than tier avg
25 of 380 Mid-Market CUs have this signature | 143 nationally
↓ Shrinking -42 CUs YoY | New qualifier

Shrinking Wallet Share

decline
#8 of 83 • Bottom 2.3% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -8.35%
(Tier: 3.04%, National: 4.19%)
worse than tier avg
83 of 380 Mid-Market CUs have this signature | 346 nationally
↓ Shrinking -55 CUs YoY | Rank improving

Wealth Migration Risk

decline
#4 of 10 • Bottom 6.5% in tier

High-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.

Why This Signature
Avg Member Relationship: $36.5K
(Tier: $29.2K, National: $19.4K)
but better than tier avg
AMR Growth (YoY): -8.35%
(Tier: 3.04%, National: 4.19%)
worse than tier avg
Total Assets: $2.22B
(Tier: $1.72B, National: $547.69M)
but better than tier avg
10 of 380 Mid-Market CUs have this signature | 39 nationally
↓ Shrinking -11 CUs YoY | Rank improving

Capital Constraint

risk
#4 of 9 • Bottom 9.1% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.

Why This Signature
Loan-to-Share Ratio: 94.52%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Deposit Growth (YoY): -9.81%
(Tier: 6.24%, National: 12.00%)
worse than tier avg
Net Worth Ratio: 9.02%
(Tier: 11.30%, National: 14.51%)
worse than tier avg
9 of 380 Mid-Market CUs have this signature | 29 nationally
↓ Shrinking -9 CUs YoY | New qualifier

Liquidity Strain

risk
#155 of 183 • 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: 94.52%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): -5.41%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 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 304 peers in tier

Top Strengths (7 metrics)

28
Total Delinquency Rate (60+ days)
risk
Value: 0.26%
Peer Avg: 0.83%
#28 of 304 Top 8.9% in 1B-3B tier
31
Loan-to-Member Ratio (LMR)
engagement
Value: $17,751
Peer Avg: $13,213
#31 of 304 Top 9.9% in 1B-3B tier
37
Average Member Relationship (AMR)
engagement
Value: $36,532
Peer Avg: $29,172
#37 of 304 Top 11.8% in 1B-3B tier
56
Fee Income Per Member
profitability
Value: $262.76
Peer Avg: $210.52
#56 of 304 Top 18.1% in 1B-3B tier
62
Indirect Auto Concentration (%)
balance_sheet
Value: 1.32%
Peer Avg: 18.32%
#62 of 304 Top 20.1% in 1B-3B tier
63
Total Loans
balance_sheet
Value: $1.66B
Peer Avg: $1.23B
#63 of 304 Top 20.4% in 1B-3B tier
74
Total Assets
balance_sheet
Value: $2.22B
Peer Avg: $1.72B
#74 of 304 Top 24.0% in 1B-3B tier

Top Weaknesses (10 metrics)

299
Deposit Growth Rate
growth
Value: -9.81%
Peer Avg: 5.58%
#299 of 304 Bottom 2.0% in 1B-3B tier
296
AMR Growth Rate
growth
Value: -8.35%
Peer Avg: 3.29%
#296 of 304 Bottom 3.0% in 1B-3B tier
289
Efficiency Ratio
profitability
Value: 86.97%
Peer Avg: 73.97%
#289 of 304 Bottom 5.3% in 1B-3B tier
280
Loan Growth Rate
growth
Value: -5.41%
Peer Avg: 5.27%
#280 of 304 Bottom 8.2% in 1B-3B tier
275
Return on Assets (ROA)
profitability
Value: 0.22%
Peer Avg: 0.70%
#275 of 304 Bottom 9.9% in 1B-3B tier
275
Share Certificate Concentration (%)
balance_sheet
Value: 39.76%
Peer Avg: 28.53%
#275 of 304 Bottom 9.9% in 1B-3B tier
270
Net Interest Margin (NIM)
profitability
Value: 2.51%
Peer Avg: 3.26%
#270 of 304 Bottom 11.5% in 1B-3B tier
269
Net Worth Ratio
risk
Value: 9.02%
Peer Avg: 11.44%
#269 of 304 Bottom 11.8% in 1B-3B tier
263
Asset Growth Rate
growth
Value: -0.94%
Peer Avg: 4.83%
#263 of 304 Bottom 13.8% in 1B-3B tier
245
First Mortgage Concentration (%)
balance_sheet
Value: 45.22%
Peer Avg: 34.01%
#245 of 304 Bottom 19.7% in 1B-3B tier