WATER AND POWER COMMUNITY

Charter #68493 | CA

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

WATER AND POWER COMMUNITY has 5 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 12.3% in tier
  • + Emerging Performer: Top 26.3% in tier
  • + Wallet Share Momentum: Top 27.4% in tier
  • + Net Interest Margin 0.12% above tier average
  • + Share Certificate Concentration (%): Top 7.2% in tier

Key Concerns

Areas that may need attention

  • - ROA 0.20% below tier average
  • - Total Assets: Bottom 0.7% in tier
  • - Total Deposits: Bottom 1.0% in tier
  • - Total Members: Bottom 3.0% in tier
  • - Total Loans: Bottom 7.6% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 44,948
+0.3% YoY+0.3% QoQ
 -53.7K 98,678
-1.9% YoY
 59,606
+5.7% YoY
 33,089
+6.1% YoY
 Bottom 2.6% in tier
Assets $1.0B
+4.2% YoY+4.6% QoQ
 $-718.6M $1.7B
+0.5% YoY
 $1.2B
+6.2% YoY
 $547.7M
+7.8% YoY
 Bottom 0.3% in tier
Loans $703.1M
+6.5% YoY+2.0% QoQ
 $-529.9M $1.2B
+0.5% YoY
 $845.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 Bottom 7.2% in tier
Deposits $827.9M
+0.2% YoY+0.6% QoQ
 $-626.5M $1.5B
+1.3% YoY
 $1.0B
+8.8% YoY
 $464.6M
+9.3% YoY
 Bottom 0.7% in tier
ROA 0.5%
+364.4% YoY+6.7% QoQ
 -0.2% 0.7%
+13.4% YoY
 0.6%
+30.0% YoY
 0.7%
+273.4% YoY
 34th in tier
NIM 3.4%
+8.3% YoY+0.0% QoQ
 +0.1% 3.3%
+9.3% YoY
 3.3%
+6.5% YoY
 3.7%
+5.0% YoY
 57th in tier
Efficiency Ratio 73.3%
-8.8% YoY-0.0% QoQ
 -0.6% 74.0%
-10.9% YoY
 79.3%
-6.2% YoY
 79.1%
-3.3% YoY
 43rd in tier
Delinquency Rate 0.8%
-10.2% YoY+1.7% QoQ
 -0.0 0.8%
+6.1% YoY
 0.7%
-38.7% YoY
 1.2%
-0.9% YoY
 62nd in tier
Loan To Share 84.9%
+6.2% YoY+1.3% QoQ
 -0.3% 85.2%
-0.8% YoY
 68.8%
-1.5% YoY
 68.0%
-1.7% YoY
 41st in tier
AMR $34,061
+2.7% YoY+0.9% QoQ
 +$5K $29,172
+2.8% YoY
 $28,514
+2.8% YoY
 $19,418
+1.3% YoY
 Top 19.7% in tier
CD Concentration 15.7%
-8.2% YoY+0.5% QoQ
 -13.3% 29.0%
+0.8% YoY
 21.7%
+4.2% YoY
 19.6%
+6.2% YoY
 Bottom 6.9% in tier
Indirect Auto % 1.8%
-42.5% YoY-13.3% QoQ
 -17.0% 18.8%
-2.8% YoY
 9.5%
-6.9% YoY
 7.9%
-2.9% YoY
 Bottom 19.8% in tier

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth
#90 of 264 • Top 12.3% in tier

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

Why This Signature
AMR Growth (YoY): 2.69%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $5.1K
(Tier: $3.1K, National: $2.0K)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Emerging Performer

growth
#140 of 184 • Top 26.3% in tier

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

Why This Signature
Return on Assets: 0.50%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): 0.31%
(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 | New qualifier

Wallet Share Momentum

growth
#199 of 264 • Top 27.4% in tier

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

Why This Signature
AMR Growth (YoY): 2.69%
(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

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)

Comparing against 304 peers in tier

Top Strengths (4 metrics)

23
Share Certificate Concentration (%)
balance_sheet
Value: 15.70%
Peer Avg: 28.53%
#23 of 304 Top 7.2% in 1B-3B tier
60
Average Member Relationship (AMR)
engagement
Value: $34,061
Peer Avg: $29,172
#60 of 304 Top 19.4% in 1B-3B tier
60
Loan-to-Member Ratio (LMR)
engagement
Value: $15,643
Peer Avg: $13,213
#60 of 304 Top 19.4% in 1B-3B tier
66
Indirect Auto Concentration (%)
balance_sheet
Value: 1.83%
Peer Avg: 18.32%
#66 of 304 Top 21.4% in 1B-3B tier

Top Weaknesses (8 metrics)

303
Total Assets
balance_sheet
Value: $1.00B
Peer Avg: $1.72B
#303 of 304 Bottom 0.7% in 1B-3B tier
302
Total Deposits
balance_sheet
Value: $827.85M
Peer Avg: $1.45B
#302 of 304 Bottom 1.0% in 1B-3B tier
296
Total Members
engagement
Value: 44,948
Peer Avg: 98,678
#296 of 304 Bottom 3.0% in 1B-3B tier
282
Total Loans
balance_sheet
Value: $703.12M
Peer Avg: $1.23B
#282 of 304 Bottom 7.6% in 1B-3B tier
274
Net Worth Ratio
risk
Value: 8.97%
Peer Avg: 11.44%
#274 of 304 Bottom 10.2% in 1B-3B tier
264
First Mortgage Concentration (%)
balance_sheet
Value: 50.09%
Peer Avg: 34.01%
#264 of 304 Bottom 13.5% in 1B-3B tier
260
Fee Income Per Member
profitability
Value: $140.92
Peer Avg: $210.52
#260 of 304 Bottom 14.8% in 1B-3B tier
254
Deposit Growth Rate
growth
Value: 0.25%
Peer Avg: 5.58%
#254 of 304 Bottom 16.8% in 1B-3B tier