MAX
Charter #68575 | AL
1B-3B
(304 CUs)
Mid-Market
($1B-$5B)
(380 CUs)
10 1B-3B in AL
MAX has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 15.2% in tier
- + ROA 0.61% above tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 3.4% in tier
- - Credit Quality Pressure: Bottom 16.3% in tier
- - Indirect Auto Dependency: Bottom 18.0% in tier
- - Shrinking Wallet Share: Bottom 18.2% in tier
- - Delinquency rate 0.08% above tier average
- - Loan-to-Share Ratio: Bottom 5.3% in tier
- - Loan-to-Member Ratio (LMR): Bottom 9.2% in tier
- - Loan Growth Rate: Bottom 9.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
129,899
+2.2% YoY+0.7% QoQ
|
+31.2K |
98,678
-1.9% YoY
|
29,240
-2.8% YoY
|
33,089
+6.1% YoY
|
Top 21.7% in tier |
| Assets |
$2.3B
+4.3% YoY+0.6% QoQ
|
+$545.3M |
$1.7B
+0.5% YoY
|
$436.7M
+7.4% YoY
|
$547.7M
+7.8% YoY
|
Top 22.4% in tier |
| Loans |
$1.1B
-4.7% YoY-1.5% QoQ
|
$-86.4M |
$1.2B
+0.5% YoY
|
$258.0M
+6.8% YoY
|
$388.7M
+8.6% YoY
|
54th in tier |
| Deposits |
$2.0B
+2.8% YoY-0.1% QoQ
|
+$514.8M |
$1.5B
+1.3% YoY
|
$382.5M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
Top 19.7% in tier |
| ROA |
1.3%
+32.3% YoY+10.3% QoQ
|
+0.6% |
0.7%
+13.4% YoY
|
0.8%
+31.6% YoY
|
0.7%
+273.4% YoY
|
Top 8.6% in tier |
| NIM |
3.2%
+4.6% YoY+0.8% QoQ
|
-0.0% |
3.3%
+9.3% YoY
|
3.7%
+6.4% YoY
|
3.7%
+5.0% YoY
|
46th in tier |
| Efficiency Ratio |
65.4%
-7.7% YoY-1.9% QoQ
|
-8.6% |
74.0%
-10.9% YoY
|
76.4%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 18.1% in tier |
| Delinquency Rate |
0.9%
+12.9% YoY+7.9% QoQ
|
+0.1 |
0.8%
+6.1% YoY
|
1.7%
+18.9% YoY
|
1.2%
-0.9% YoY
|
70th in tier |
| Loan To Share |
58.2%
-7.3% YoY-1.4% QoQ
|
-27.0% |
85.2%
-0.8% YoY
|
60.8%
-1.6% YoY
|
68.0%
-1.7% YoY
|
Bottom 4.9% in tier |
| AMR |
$23,986
-2.2% YoY-1.3% QoQ
|
$-5K |
$29,172
+2.8% YoY
|
$17,062
+2.3% YoY
|
$19,418
+1.3% YoY
|
30th in tier |
| CD Concentration |
20.9%
+4.6% YoY+0.2% QoQ
|
-8.0% |
29.0%
+0.8% YoY
|
20.8%
+2.9% YoY
|
19.6%
+6.2% YoY
|
Bottom 15.8% in tier |
| Indirect Auto % |
27.7%
-17.1% YoY-5.5% QoQ
|
+8.9% |
18.8%
-2.8% YoY
|
5.4%
-6.7% YoY
|
7.9%
-2.9% YoY
|
71st in tier |
Signature Analysis
Strengths (1)
Organic Growth Engine
growth
#111 of 246 • Top 15.2% in tier
Growing membership while maintaining profitability. Healthy fundamentals in place.
Why This Signature
Member Growth (YoY):
2.17%
(Tier:
3.18%, National:
9.37%)
Return on Assets:
1.32%
(Tier:
0.71%, National:
0.71%)
Indirect Auto %:
27.67%
(Tier:
18.80%, National:
7.90%)
246 of 380 Mid-Market CUs have this signature
| 917 nationally
↑ Growing
+14 CUs YoY
|
Rank worsening
Concerns (4)
Liquidity Overhang
risk
#12 of 113 • Bottom 3.4% in tier
Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
Why This Signature
Net Worth Ratio:
14.09%
(Tier:
11.30%, National:
14.51%)
Loan-to-Share Ratio:
58.23%
(Tier:
86.35%, National:
67.96%)
113 of 380 Mid-Market CUs have this signature
| 691 nationally
↑ Growing
+9 CUs YoY
|
Rank improving
Credit Quality Pressure
risk
#126 of 217 • Bottom 16.3% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
0.10% points
(Tier:
0.07% points, National:
0.07% points)
217 of 380 Mid-Market CUs have this signature
| 1002 nationally
↓ Shrinking
-70 CUs YoY
|
Rank improving
Indirect Auto Dependency
risk
#112 of 202 • Bottom 18.0% in tier
Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Why This Signature
Asset Growth (YoY):
4.28%
(Tier:
5.36%, National:
3.04%)
Indirect Auto %:
27.67%
(Tier:
18.80%, National:
7.90%)
Member Growth (YoY):
2.17%
(Tier:
3.18%, National:
9.37%)
202 of 380 Mid-Market CUs have this signature
| 768 nationally
↓ Shrinking
-7 CUs YoY
|
Rank worsening
Shrinking Wallet Share
decline
#56 of 83 • Bottom 18.2% in tier
Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Why This Signature
AMR Growth (YoY):
-2.20%
(Tier:
3.04%, National:
4.19%)
83 of 380 Mid-Market CUs have this signature
| 346 nationally
↓ Shrinking
-55 CUs YoY
|
New qualifier
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)
Top Strengths (9 metrics)
26
Return on Assets (ROA)
profitability
Value:
1.32%
Peer Avg: 0.70%
#26 of 304
Top 8.2% in 1B-3B tier
33
Net Worth Ratio
risk
Value:
14.09%
Peer Avg: 11.44%
#33 of 304
Top 10.5% in 1B-3B tier
47
First Mortgage Concentration (%)
balance_sheet
Value:
19.10%
Peer Avg: 34.01%
#47 of 304
Top 15.1% in 1B-3B tier
49
Members Per Employee (MPE)
engagement
Value:
437.370
Peer Avg: 364.953
#49 of 304
Top 15.8% in 1B-3B tier
52
Share Certificate Concentration (%)
balance_sheet
Value:
20.94%
Peer Avg: 28.53%
#52 of 304
Top 16.8% in 1B-3B tier
56
Efficiency Ratio
profitability
Value:
65.40%
Peer Avg: 73.97%
#56 of 304
Top 18.1% in 1B-3B tier
60
Total Deposits
balance_sheet
Value:
$1.97B
Peer Avg: $1.45B
#60 of 304
Top 19.4% in 1B-3B tier
66
Total Members
engagement
Value:
129,899
Peer Avg: 98,678
#66 of 304
Top 21.4% in 1B-3B tier
68
Total Assets
balance_sheet
Value:
$2.26B
Peer Avg: $1.72B
#68 of 304
Top 22.0% in 1B-3B tier
Top Weaknesses (4 metrics)
289
Loan-to-Share Ratio
balance_sheet
Value:
58.23%
Peer Avg: 85.19%
#289 of 304
Bottom 5.3% in 1B-3B tier
277
Loan-to-Member Ratio (LMR)
engagement
Value:
$8,827
Peer Avg: $13,213
#277 of 304
Bottom 9.2% in 1B-3B tier
275
Loan Growth Rate
growth
Value:
-4.68%
Peer Avg: 5.27%
#275 of 304
Bottom 9.9% in 1B-3B tier
261
AMR Growth Rate
growth
Value:
-2.20%
Peer Avg: 3.29%
#261 of 304
Bottom 14.5% in 1B-3B tier