INTREPID

Charter #68495 | MT

100M-500M (1077 CUs) Micro
13 100M-500M in MT

INTREPID has 4 strengths but faces 10 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 3.1% in tier
  • + Relationship Depth Leader: Top 10.1% in tier
  • + Net Interest Margin 0.20% above tier average
  • + AMR Growth Rate: Top 6.4% in tier

Key Concerns

Areas that may need attention

  • - Institutional Decline: Bottom 0.6% in tier
  • - Membership Headwinds: Bottom 0.9% in tier
  • - Stagnation Risk: Bottom 6.8% in tier
  • - Efficiency Drag: Bottom 11.6% in tier
  • - Credit Quality Pressure: Bottom 26.1% in tier
  • - ROA 0.42% below tier average
  • - Efficiency ratio 10.90% above tier (higher cost structure)
  • - Member decline: -14.2% YoY
  • - Member Growth Rate: Bottom 1.7% in tier
  • - Loan Growth Rate: Bottom 4.1% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MT) National Avg Tier Percentile
Members 19,255
-14.2% YoY-4.3% QoQ
 +3.6K 15,628
-3.4% YoY
 10,775
+3.4% YoY
 33,089
+6.1% YoY
 73rd in tier
Assets $309.5M
+0.8% YoY+1.9% QoQ
 +$78.2M $231.3M
-0.0% YoY
 $192.0M
+6.5% YoY
 $547.7M
+7.8% YoY
 75th in tier
Loans $219.7M
-9.7% YoY-1.3% QoQ
 +$71.9M $147.8M
-1.4% YoY
 $128.7M
+5.8% YoY
 $388.7M
+8.6% YoY
 Top 20.1% in tier
Deposits $260.7M
+0.8% YoY+0.1% QoQ
 +$60.4M $200.3M
-0.0% YoY
 $165.1M
+6.8% YoY
 $464.6M
+9.3% YoY
 73rd in tier
ROA 0.4%
-5.2% YoY+65.7% QoQ
 -0.4% 0.8%
+15.5% YoY
 0.8%
-56.8% YoY
 0.7%
+273.4% YoY
 Bottom 22.4% in tier
NIM 3.8%
+7.9% YoY+1.4% QoQ
 +0.2% 3.6%
+6.9% YoY
 3.7%
+3.8% YoY
 3.7%
+5.0% YoY
 61st in tier
Efficiency Ratio 88.2%
+2.3% YoY-1.1% QoQ
 +10.9% 77.3%
-3.0% YoY
 75.4%
+3.6% YoY
 79.1%
-3.3% YoY
 Top 13.8% in tier
Delinquency Rate 0.2%
+17.9% YoY+63.6% QoQ
 -0.7 0.9%
+7.6% YoY
 1.0%
-7.2% YoY
 1.2%
-0.9% YoY
 Bottom 11.1% in tier
Loan To Share 84.3%
-10.4% YoY-1.4% QoQ
 +11.6% 72.7%
-1.5% YoY
 68.8%
-2.3% YoY
 68.0%
-1.7% YoY
 73rd in tier
AMR $24,951
+11.5% YoY+3.9% QoQ
 +$587 $24,363
+2.9% YoY
 $21,496
+3.0% YoY
 $19,418
+1.3% YoY
 64th in tier
CD Concentration 22.0%
+10.8% YoY+2.5% QoQ
 -2.4% 24.4%
+4.2% YoY
 17.7%
+8.0% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 14.3%
-12.2% YoY+0.3% QoQ
 +0.3% 14.0%
-5.8% YoY
 6.1%
-1.9% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#86 of 1006 • Top 3.1% in tier

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

Why This Signature
AMR Growth (YoY): 11.53%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Relationship Depth Leader

growth
#280 of 1006 • Top 10.1% in tier

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

Why This Signature
AMR Growth (YoY): 11.53%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.2K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (5)

Institutional Decline

decline
#6 of 256 • Bottom 0.6% in tier

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

Why This Signature
Total Assets: $309.47M
(Tier: $231.30M, National: $547.69M)
but better than tier avg
Member Growth (YoY): -14.19%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -9.67%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
256 of 1077 Community CUs have this signature | 293 nationally
↓ Shrinking -43 CUs YoY | New qualifier

Membership Headwinds

decline
#16 of 550 • Bottom 0.9% in tier

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

Why This Signature
Member Growth (YoY): -14.19%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Stagnation Risk

risk
#112 of 550 • Bottom 6.8% 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: 0.36%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -14.19%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $25.0K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 22.05%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Efficiency Drag

risk
#206 of 521 • Bottom 11.6% in tier

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

Why This Signature
Efficiency Ratio: 88.18%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.02% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): -14.19%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank improving

Credit Quality Pressure

risk
#646 of 736 • Bottom 26.1% in tier

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

Why This Signature
Delinquency Change (YoY): 0.03% points
(Tier: 0.04% points, National: 0.07% points)
but better than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 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 1077 peers in tier

Top Strengths (3 metrics)

70
AMR Growth Rate
growth
Value: 11.53%
Peer Avg: 3.64%
#70 of 1077 Top 6.4% in 100M-500M tier
121
Total Delinquency Rate (60+ days)
risk
Value: 0.20%
Peer Avg: 0.86%
#121 of 1077 Top 11.1% in 100M-500M tier
217
Total Loans
balance_sheet
Value: $219.71M
Peer Avg: $147.80M
#217 of 1077 Top 20.1% in 100M-500M tier

Top Weaknesses (7 metrics)

1060
Member Growth Rate
growth
Value: -14.19%
Peer Avg: 0.72%
#1060 of 1077 Bottom 1.7% in 100M-500M tier
1034
Loan Growth Rate
growth
Value: -9.67%
Peer Avg: 3.45%
#1034 of 1077 Bottom 4.1% in 100M-500M tier
929
Efficiency Ratio
profitability
Value: 88.18%
Peer Avg: 77.28%
#929 of 1077 Bottom 13.8% in 100M-500M tier
853
Members Per Employee (MPE)
engagement
Value: 256.733
Peer Avg: 332.881
#853 of 1077 Bottom 20.9% in 100M-500M tier
836
Return on Assets (ROA)
profitability
Value: 0.36%
Peer Avg: 0.79%
#836 of 1077 Bottom 22.5% in 100M-500M tier
817
Asset Growth Rate
growth
Value: 0.84%
Peer Avg: 4.70%
#817 of 1077 Bottom 24.2% in 100M-500M tier
815
Deposit Growth Rate
growth
Value: 0.76%
Peer Avg: 4.69%
#815 of 1077 Bottom 24.4% in 100M-500M tier