ELEVATIONS

Charter #68565 | CO

3B-5B (76 CUs) Mid-Market (380 CUs)
3 3B-5B in CO

ELEVATIONS has 9 strengths but faces 4 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 16.6% in tier
  • + Relationship Depth Leader: Top 21.9% in tier
  • + Organic Growth Leader: Top 32.9% in tier
  • + Wallet Share Momentum: Top 35.5% in tier
  • + ROA 0.40% above tier average
  • + Net Interest Margin 0.58% above tier average
  • + Total Delinquency Rate (60+ days): Top 5.3% in tier
  • + Net Charge-Off Rate: Top 6.6% in tier
  • + Indirect Auto Concentration (%): Top 9.2% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 17.2% in tier
  • - Efficiency ratio 5.01% above tier (higher cost structure)
  • - First Mortgage Concentration (%): Bottom 3.9% in tier
  • - Total Deposits: Bottom 9.2% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
Members 179,745
+0.9% YoY+0.7% QoQ
 -58.7K 238,465
+0.6% YoY
 38,063
+8.0% YoY
 33,089
+6.1% YoY
 26th in tier
Assets $3.4B
+3.1% YoY+0.9% QoQ
 $-555.2M $4.0B
-0.1% YoY
 $678.0M
+7.3% YoY
 $547.7M
+7.8% YoY
 Bottom 19.7% in tier
Loans $2.6B
+0.6% YoY+0.1% QoQ
 $-386.0M $3.0B
+3.3% YoY
 $529.4M
+8.0% YoY
 $388.7M
+8.6% YoY
 Bottom 23.7% in tier
Deposits $2.6B
+2.8% YoY+0.3% QoQ
 $-725.3M $3.3B
+1.1% YoY
 $571.8M
+9.1% YoY
 $464.6M
+9.3% YoY
 Bottom 7.9% in tier
ROA 1.1%
+11.3% YoY-4.2% QoQ
 +0.4% 0.7%
+5.3% YoY
 0.5%
+8.5% YoY
 0.7%
+273.4% YoY
 Top 23.7% in tier
NIM 3.8%
+7.8% YoY+0.8% QoQ
 +0.6% 3.2%
+13.7% YoY
 3.6%
+3.7% YoY
 3.7%
+5.0% YoY
 Top 18.4% in tier
Efficiency Ratio 76.3%
-3.8% YoY+0.5% QoQ
 +5.0% 71.3%
-0.6% YoY
 80.6%
-2.6% YoY
 79.1%
-3.3% YoY
 Top 22.4% in tier
Delinquency Rate 0.2%
-14.3% YoY-2.2% QoQ
 -0.7 0.8%
+15.9% YoY
 0.9%
+6.2% YoY
 1.2%
-0.9% YoY
 Bottom 5.3% in tier
Loan To Share 101.0%
-2.1% YoY-0.2% QoQ
 +10.1% 90.8%
+2.0% YoY
 72.9%
-3.4% YoY
 68.0%
-1.7% YoY
 Top 18.4% in tier
AMR $29,157
+0.7% YoY-0.5% QoQ
 +$70 $29,088
+0.1% YoY
 $22,866
+4.1% YoY
 $19,418
+1.3% YoY
 57th in tier
CD Concentration 24.6%
+14.1% YoY+3.8% QoQ
 -4.4% 29.0%
+0.8% YoY
 26.3%
+7.3% YoY
 19.6%
+6.2% YoY
 31st in tier
Indirect Auto % 1.0%
-26.0% YoY-8.3% QoQ
 -17.8% 18.8%
-2.8% YoY
 12.4%
-8.4% YoY
 7.9%
-2.9% YoY
 Bottom 17.2% in tier

Signature Analysis

Strengths (4)

Organic Growth Engine

growth
#121 of 246 • Top 16.6% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 0.94%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
Return on Assets: 1.15%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 0.95%
(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 | New qualifier

Relationship Depth Leader

growth
#159 of 264 • Top 21.9% in tier

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

Why This Signature
AMR Growth (YoY): 0.73%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $4.4K
(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 | Rank worsening

Organic Growth Leader

growth
#130 of 138 • Top 32.9% in tier

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

Why This Signature
Member Growth (YoY): 0.94%
(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 | New qualifier

Wallet Share Momentum

growth
#257 of 264 • Top 35.5% in tier

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

Why This Signature
AMR Growth (YoY): 0.73%
(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 | Rank worsening

Concerns (1)

Liquidity Strain

risk
#91 of 183 • Bottom 17.2% in tier

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

Why This Signature
Loan-to-Share Ratio: 100.96%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 0.63%
(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 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 76 peers in tier

Top Strengths (8 metrics)

5
Total Delinquency Rate (60+ days)
risk
Value: 0.18%
Peer Avg: 0.84%
#5 of 76 Top 5.3% in 3B-5B tier
6
Net Charge-Off Rate
risk
Value: 0.11%
Peer Avg: 0.64%
#6 of 76 Top 6.6% in 3B-5B tier
8
Indirect Auto Concentration (%)
balance_sheet
Value: 0.95%
Peer Avg: 20.57%
#8 of 76 Top 9.2% in 3B-5B tier
11
Fee Income Per Member
profitability
Value: $260.49
Peer Avg: $191.96
#11 of 76 Top 13.2% in 3B-5B tier
14
Net Interest Margin (NIM)
profitability
Value: 3.78%
Peer Avg: 3.20%
#14 of 76 Top 17.1% in 3B-5B tier
14
Loan-to-Share Ratio
balance_sheet
Value: 100.96%
Peer Avg: 90.85%
#14 of 76 Top 17.1% in 3B-5B tier
18
Return on Assets (ROA)
profitability
Value: 1.15%
Peer Avg: 0.75%
#18 of 76 Top 22.4% in 3B-5B tier
18
Share Certificate Concentration (%)
balance_sheet
Value: 24.58%
Peer Avg: 30.70%
#18 of 76 Top 22.4% in 3B-5B tier

Top Weaknesses (7 metrics)

74
First Mortgage Concentration (%)
balance_sheet
Value: 66.56%
Peer Avg: 34.35%
#74 of 76 Bottom 3.9% in 3B-5B tier
70
Total Deposits
balance_sheet
Value: $2.61B
Peer Avg: $3.33B
#70 of 76 Bottom 9.2% in 3B-5B tier
63
Loan Growth Rate
growth
Value: 0.63%
Peer Avg: 9.56%
#63 of 76 Bottom 18.4% in 3B-5B tier
62
Member Growth Rate
growth
Value: 0.94%
Peer Avg: 7.02%
#62 of 76 Bottom 19.7% in 3B-5B tier
61
Total Assets
balance_sheet
Value: $3.42B
Peer Avg: $3.97B
#61 of 76 Bottom 21.1% in 3B-5B tier
60
Efficiency Ratio
profitability
Value: 76.27%
Peer Avg: 71.26%
#60 of 76 Bottom 22.4% in 3B-5B tier
58
Total Loans
balance_sheet
Value: $2.63B
Peer Avg: $3.02B
#58 of 76 Bottom 25.0% in 3B-5B tier