AVADIAN

Charter #68583 | AL

1B-3B (304 CUs) Mid-Market (380 CUs)
10 1B-3B in AL

AVADIAN has 6 strengths but faces 10 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 2.2% in tier
  • + Relationship Depth Leader: Top 13.8% in tier
  • + Emerging Performer: Top 24.4% in tier
  • + ROA 0.22% above tier average
  • + Net Interest Margin 0.21% above tier average
  • + AMR Growth Rate: Top 4.3% in tier

Key Concerns

Areas that may need attention

  • - Stagnation Risk: Bottom 1.3% in tier
  • - Membership Headwinds: Bottom 2.1% in tier
  • - Credit Quality Pressure: Bottom 15.4% in tier
  • - Growth-at-Risk: Bottom 20.7% in tier
  • - Indirect Auto Dependency: Bottom 23.7% in tier
  • - Liquidity Strain: Bottom 30.7% in tier
  • - Efficiency ratio 1.63% above tier (higher cost structure)
  • - Member decline: -10.6% YoY
  • - Member Growth Rate: Bottom 3.0% in tier
  • - Deposit Growth Rate: Bottom 7.2% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Members 86,725
-10.6% YoY+0.6% QoQ
 -12.0K 98,678
-1.9% YoY
 29,240
-2.8% YoY
 33,089
+6.1% YoY
 49th in tier
Assets $1.4B
-1.0% YoY-0.4% QoQ
 $-341.7M $1.7B
+0.5% YoY
 $436.7M
+7.4% YoY
 $547.7M
+7.8% YoY
 36th in tier
Loans $1.1B
+4.2% YoY+1.3% QoQ
 $-106.7M $1.2B
+0.5% YoY
 $258.0M
+6.8% YoY
 $388.7M
+8.6% YoY
 52nd in tier
Deposits $1.2B
-2.5% YoY-1.9% QoQ
 $-217.4M $1.5B
+1.3% YoY
 $382.5M
+6.8% YoY
 $464.6M
+9.3% YoY
 46th in tier
ROA 0.9%
+182.5% YoY+24.2% QoQ
 +0.2% 0.7%
+13.4% YoY
 0.8%
+31.6% YoY
 0.7%
+273.4% YoY
 70th in tier
NIM 3.5%
+21.8% YoY+3.7% QoQ
 +0.2% 3.3%
+9.3% YoY
 3.7%
+6.4% YoY
 3.7%
+5.0% YoY
 63rd in tier
Efficiency Ratio 75.6%
-11.3% YoY-2.7% QoQ
 +1.6% 74.0%
-10.9% YoY
 76.4%
-6.2% YoY
 79.1%
-3.3% YoY
 56th in tier
Delinquency Rate 0.4%
+45.6% YoY+9.1% QoQ
 -0.5 0.8%
+6.1% YoY
 1.7%
+18.9% YoY
 1.2%
-0.9% YoY
 Bottom 19.7% in tier
Loan To Share 91.1%
+6.9% YoY+3.2% QoQ
 +5.9% 85.2%
-0.8% YoY
 60.8%
-1.6% YoY
 68.0%
-1.7% YoY
 58th in tier
AMR $27,250
+12.6% YoY-0.9% QoQ
 $-2K $29,172
+2.8% YoY
 $17,062
+2.3% YoY
 $19,418
+1.3% YoY
 49th in tier
CD Concentration 36.7%
-7.2% YoY-0.6% QoQ
 +7.7% 29.0%
+0.8% YoY
 20.8%
+2.9% YoY
 19.6%
+6.2% YoY
 Top 17.4% in tier
Indirect Auto % 27.0%
-6.7% YoY-0.6% QoQ
 +8.2% 18.8%
-2.8% YoY
 5.4%
-6.7% YoY
 7.9%
-2.9% YoY
 70th in tier

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth
#17 of 264 • Top 2.2% in tier

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

Why This Signature
AMR Growth (YoY): 12.58%
(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
#101 of 264 • Top 13.8% in tier

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

Why This Signature
AMR Growth (YoY): 12.58%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.2K
(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
#130 of 184 • Top 24.4% in tier

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

Why This Signature
Return on Assets: 0.93%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Member Growth (YoY): -10.64%
(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

Concerns (6)

Stagnation Risk

risk
#4 of 85 • Bottom 1.3% 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: 0.93%
(Tier: 0.71%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -10.64%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $27.2K
(Tier: $29.2K, National: $19.4K)
worse than tier avg
CD Concentration: 36.69%
(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 | New qualifier

Membership Headwinds

decline
#6 of 85 • Bottom 2.1% in tier

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

Why This Signature
Member Growth (YoY): -10.64%
(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 | New qualifier

Credit Quality Pressure

risk
#119 of 217 • Bottom 15.4% in tier

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

Why This Signature
Delinquency Change (YoY): 0.12% 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 | New qualifier

Growth-at-Risk

risk
#116 of 161 • Bottom 20.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 4.23%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 0.12% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#147 of 202 • Bottom 23.7% in tier

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

Why This Signature
Asset Growth (YoY): -0.97%
(Tier: 5.36%, National: 3.04%)
worse than tier avg
Indirect Auto %: 26.99%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -10.64%
(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 worsening

Liquidity Strain

risk
#162 of 183 • Bottom 30.7% in tier

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

Why This Signature
Loan-to-Share Ratio: 91.06%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 4.23%
(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 | 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)

Comparing against 304 peers in tier

Top Strengths (3 metrics)

14
AMR Growth Rate
growth
Value: 12.58%
Peer Avg: 3.29%
#14 of 304 Top 4.3% in 1B-3B tier
57
Net Charge-Off Rate
risk
Value: 0.25%
Peer Avg: 0.60%
#57 of 304 Top 18.4% in 1B-3B tier
61
Total Delinquency Rate (60+ days)
risk
Value: 0.38%
Peer Avg: 0.83%
#61 of 304 Top 19.7% in 1B-3B tier

Top Weaknesses (4 metrics)

296
Member Growth Rate
growth
Value: -10.64%
Peer Avg: 2.20%
#296 of 304 Bottom 3.0% in 1B-3B tier
283
Deposit Growth Rate
growth
Value: -2.50%
Peer Avg: 5.58%
#283 of 304 Bottom 7.2% in 1B-3B tier
265
Asset Growth Rate
growth
Value: -0.97%
Peer Avg: 4.83%
#265 of 304 Bottom 13.2% in 1B-3B tier
259
Share Certificate Concentration (%)
balance_sheet
Value: 36.69%
Peer Avg: 28.53%
#259 of 304 Bottom 15.1% in 1B-3B tier