FORT WORTH COMMUNITY

Charter #68471 | TX

1B-3B (304 CUs) Mid-Market (380 CUs)
26 1B-3B in TX

FORT WORTH COMMUNITY has 6 strengths but faces 12 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 4.7% in tier
  • + Relationship Depth Leader: Top 17.6% in tier
  • + Emerging Performer: Top 25.3% in tier
  • + ROA 0.11% above tier average
  • + First Mortgage Concentration (%): Top 8.9% in tier
  • + AMR Growth Rate: Top 9.9% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 1.3% in tier
  • - Stagnation Risk: Bottom 4.2% in tier
  • - Institutional Decline: Bottom 4.9% in tier
  • - Membership Headwinds: Bottom 6.7% in tier
  • - Credit Quality Pressure: Bottom 14.0% in tier
  • - Member decline: -7.4% YoY
  • - Loan-to-Share Ratio: Bottom 3.3% in tier
  • - Total Loans: Bottom 3.9% in tier
  • - Loan Growth Rate: Bottom 4.9% in tier
  • - Member Growth Rate: Bottom 6.2% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 6.2% in tier
  • - Indirect Auto Concentration (%): Bottom 9.2% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Members 74,799
-7.4% YoY-0.5% QoQ
 -23.9K 98,678
-1.9% YoY
 26,896
+3.7% YoY
 33,089
+6.1% YoY
 32nd in tier
Assets $1.3B
+6.8% YoY+0.3% QoQ
 $-441.5M $1.7B
+0.5% YoY
 $411.3M
+5.9% YoY
 $547.7M
+7.8% YoY
 29th in tier
Loans $624.3M
-6.6% YoY-2.7% QoQ
 $-608.8M $1.2B
+0.5% YoY
 $295.8M
+5.3% YoY
 $388.7M
+8.6% YoY
 Bottom 3.6% in tier
Deposits $1.1B
+6.5% YoY+0.3% QoQ
 $-317.7M $1.5B
+1.3% YoY
 $341.5M
+6.1% YoY
 $464.6M
+9.3% YoY
 36th in tier
ROA 0.8%
+4.3% YoY-7.6% QoQ
 +0.1% 0.7%
+13.4% YoY
 0.5%
-24.0% YoY
 0.7%
+273.4% YoY
 64th in tier
NIM 3.0%
-3.5% YoY-0.0% QoQ
 -0.3% 3.3%
+9.3% YoY
 3.9%
+4.3% YoY
 3.7%
+5.0% YoY
 26th in tier
Efficiency Ratio 69.1%
-1.1% YoY+1.3% QoQ
 -4.8% 74.0%
-10.9% YoY
 79.6%
-0.9% YoY
 79.1%
-3.3% YoY
 29th in tier
Delinquency Rate 0.8%
+19.1% YoY+19.2% QoQ
 -0.0 0.8%
+6.1% YoY
 1.2%
+20.3% YoY
 1.2%
-0.9% YoY
 60th in tier
Loan To Share 54.9%
-12.4% YoY-3.0% QoQ
 -30.3% 85.2%
-0.8% YoY
 71.8%
-2.5% YoY
 68.0%
-1.7% YoY
 Bottom 3.0% in tier
AMR $23,542
+9.6% YoY-0.3% QoQ
 $-6K $29,172
+2.8% YoY
 $17,515
+1.3% YoY
 $19,418
+1.3% YoY
 Bottom 24.0% in tier
CD Concentration 32.9%
+17.9% YoY+3.3% QoQ
 +3.9% 29.0%
+0.8% YoY
 20.9%
+7.1% YoY
 19.6%
+6.2% YoY
 69th in tier
Indirect Auto % 41.2%
-13.5% YoY-4.7% QoQ
 +22.4% 18.8%
-2.8% YoY
 7.2%
-0.2% YoY
 7.9%
-2.9% YoY
 Top 10.3% in tier

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth
#35 of 264 • Top 4.7% in tier

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

Why This Signature
AMR Growth (YoY): 9.60%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank improving

Relationship Depth Leader

growth
#128 of 264 • Top 17.6% in tier

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

Why This Signature
AMR Growth (YoY): 9.60%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.1K
(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 | Rank improving

Emerging Performer

growth
#135 of 184 • Top 25.3% in tier

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

Why This Signature
Return on Assets: 0.81%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Member Growth (YoY): -7.44%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | Rank worsening

Concerns (5)

Indirect Auto Dependency

risk
#9 of 202 • Bottom 1.3% in tier

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

Why This Signature
Asset Growth (YoY): 6.78%
(Tier: 5.36%, National: 3.04%)
but better than tier avg
Indirect Auto %: 41.16%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -7.44%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank improving

Stagnation Risk

risk
#11 of 85 • Bottom 4.2% 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: 0.81%
(Tier: 0.71%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -7.44%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $23.5K
(Tier: $29.2K, National: $19.4K)
worse than tier avg
CD Concentration: 32.88%
(Tier: 28.98%, National: 19.60%)
worse than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 CUs YoY

Institutional Decline

decline
#6 of 31 • Bottom 4.9% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $1.28B
(Tier: $1.72B, National: $547.69M)
worse than tier avg
Member Growth (YoY): -7.44%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -6.64%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
31 of 380 Mid-Market CUs have this signature | 293 nationally
↓ Shrinking -6 CUs YoY

Membership Headwinds

decline
#17 of 85 • Bottom 6.7% in tier

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

Why This Signature
Member Growth (YoY): -7.44%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 CUs YoY | Rank worsening

Credit Quality Pressure

risk
#108 of 217 • Bottom 14.0% in tier

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

Why This Signature
Delinquency Change (YoY): 0.13% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 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 (3 metrics)

28
First Mortgage Concentration (%)
balance_sheet
Value: 16.89%
Peer Avg: 34.01%
#28 of 304 Top 8.9% in 1B-3B tier
31
AMR Growth Rate
growth
Value: 9.60%
Peer Avg: 3.29%
#31 of 304 Top 9.9% in 1B-3B tier
71
Members Per Employee (MPE)
engagement
Value: 413.254
Peer Avg: 364.953
#71 of 304 Top 23.0% in 1B-3B tier

Top Weaknesses (9 metrics)

295
Loan-to-Share Ratio
balance_sheet
Value: 54.92%
Peer Avg: 85.19%
#295 of 304 Bottom 3.3% in 1B-3B tier
293
Total Loans
balance_sheet
Value: $624.27M
Peer Avg: $1.23B
#293 of 304 Bottom 3.9% in 1B-3B tier
290
Loan Growth Rate
growth
Value: -6.64%
Peer Avg: 5.27%
#290 of 304 Bottom 4.9% in 1B-3B tier
286
Member Growth Rate
growth
Value: -7.44%
Peer Avg: 2.20%
#286 of 304 Bottom 6.2% in 1B-3B tier
286
Loan-to-Member Ratio (LMR)
engagement
Value: $8,346
Peer Avg: $13,213
#286 of 304 Bottom 6.2% in 1B-3B tier
277
Indirect Auto Concentration (%)
balance_sheet
Value: 41.16%
Peer Avg: 18.32%
#277 of 304 Bottom 9.2% in 1B-3B tier
257
Fee Income Per Member
profitability
Value: $142.32
Peer Avg: $210.52
#257 of 304 Bottom 15.8% in 1B-3B tier
246
Net Charge-Off Rate
risk
Value: 0.92%
Peer Avg: 0.60%
#246 of 304 Bottom 19.4% in 1B-3B tier
231
Average Member Relationship (AMR)
engagement
Value: $23,542
Peer Avg: $29,172
#231 of 304 Bottom 24.3% in 1B-3B tier