OUR COMMUNITY
Charter #68609 | WA
500M-750M
(169 CUs)
Community
($500M-$1B)
(281 CUs)
4 500M-750M in WA
OUR COMMUNITY has 3 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.10% above tier average
- + Net Interest Margin 0.26% above tier average
- + Efficiency Ratio: Top 4.7% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 10.7% in tier
- - Liquidity Overhang: Bottom 16.2% in tier
- - Loan-to-Share Ratio: Bottom 3.0% in tier
- - Total Loans: Bottom 3.6% in tier
- - Loan-to-Member Ratio (LMR): Bottom 8.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
32,095
+0.0% YoY-0.8% QoQ
|
-7.7K |
39,752
-2.7% YoY
|
65,720
+2.5% YoY
|
33,089
+6.1% YoY
|
25th in tier |
| Assets |
$629.1M
+3.5% YoY+1.4% QoQ
|
+$6.7M |
$622.4M
+0.3% YoY
|
$1.2B
+3.7% YoY
|
$547.7M
+7.8% YoY
|
53rd in tier |
| Loans |
$233.6M
-5.9% YoY-4.5% QoQ
|
$-202.3M |
$435.9M
-0.4% YoY
|
$909.1M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 3.0% in tier |
| Deposits |
$548.6M
+2.5% YoY+1.1% QoQ
|
+$10.6M |
$538.0M
+1.3% YoY
|
$1.0B
+6.5% YoY
|
$464.6M
+9.3% YoY
|
56th in tier |
| ROA |
1.8%
+73.7% YoY-6.4% QoQ
|
+1.1% |
0.7%
+33.9% YoY
|
0.6%
+9.9% YoY
|
0.7%
+273.4% YoY
|
Top 3.6% in tier |
| NIM |
3.7%
+4.9% YoY-3.1% QoQ
|
+0.3% |
3.4%
+8.6% YoY
|
3.7%
+4.7% YoY
|
3.7%
+5.0% YoY
|
70th in tier |
| Efficiency Ratio |
61.3%
-9.1% YoY+2.5% QoQ
|
-16.8% |
78.1%
-3.4% YoY
|
76.4%
-1.1% YoY
|
79.1%
-3.3% YoY
|
Bottom 4.7% in tier |
| Delinquency Rate |
0.2%
-44.6% YoY-26.0% QoQ
|
-0.6 |
0.8%
-4.9% YoY
|
0.9%
-2.6% YoY
|
1.2%
-0.9% YoY
|
Bottom 11.2% in tier |
| Loan To Share |
42.6%
-8.2% YoY-5.5% QoQ
|
-38.4% |
81.0%
-1.8% YoY
|
76.9%
-2.2% YoY
|
68.0%
-1.7% YoY
|
Bottom 2.4% in tier |
| AMR |
$24,373
-0.2% YoY+0.1% QoQ
|
$-2K |
$26,482
+2.6% YoY
|
$28,761
+2.7% YoY
|
$19,418
+1.3% YoY
|
47th in tier |
| CD Concentration |
26.9%
-3.4% YoY+1.6% QoQ
|
+2.5% |
24.4%
+4.2% YoY
|
22.3%
+2.5% YoY
|
19.6%
+6.2% YoY
|
60th in tier |
| Indirect Auto % |
37.0%
-6.1% YoY-5.9% QoQ
|
+23.0% |
14.0%
-5.8% YoY
|
17.1%
-8.4% YoY
|
7.9%
-2.9% YoY
|
Top 10.8% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Indirect Auto Dependency
risk
#173 of 525 • Bottom 10.7% in tier
Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Why This Signature
Asset Growth (YoY):
3.48%
(Tier:
4.61%, National:
3.04%)
Indirect Auto %:
36.96%
(Tier:
13.96%, National:
7.90%)
Member Growth (YoY):
0.03%
(Tier:
0.88%, National:
9.37%)
525 of 281 Community CUs have this signature
| 768 nationally
↓ Shrinking
-18 CUs YoY
|
Rank worsening
Liquidity Overhang
risk
#251 of 552 • Bottom 16.2% 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:
12.35%
(Tier:
11.95%, National:
14.51%)
Loan-to-Share Ratio:
42.59%
(Tier:
74.56%, National:
67.96%)
552 of 281 Community CUs have this signature
| 691 nationally
↑ Growing
+65 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 (5 metrics)
6
Return on Assets (ROA)
profitability
Value:
1.76%
Peer Avg: 0.66%
#6 of 169
Top 3.0% in 500M-750M tier
9
Efficiency Ratio
profitability
Value:
61.33%
Peer Avg: 78.10%
#9 of 169
Top 4.7% in 500M-750M tier
20
Total Delinquency Rate (60+ days)
risk
Value:
0.25%
Peer Avg: 0.80%
#20 of 169
Top 11.2% in 500M-750M tier
26
First Mortgage Concentration (%)
balance_sheet
Value:
17.22%
Peer Avg: 33.53%
#26 of 169
Top 14.8% in 500M-750M tier
41
Net Worth Ratio
risk
Value:
12.35%
Peer Avg: 10.94%
#41 of 169
Top 23.7% in 500M-750M tier
Top Weaknesses (7 metrics)
165
Loan-to-Share Ratio
balance_sheet
Value:
42.59%
Peer Avg: 81.02%
#165 of 169
Bottom 3.0% in 500M-750M tier
164
Total Loans
balance_sheet
Value:
$233.65M
Peer Avg: $435.95M
#164 of 169
Bottom 3.6% in 500M-750M tier
155
Loan-to-Member Ratio (LMR)
engagement
Value:
$7,280
Peer Avg: $11,805
#155 of 169
Bottom 8.9% in 500M-750M tier
152
Loan Growth Rate
growth
Value:
-5.90%
Peer Avg: 4.04%
#152 of 169
Bottom 10.7% in 500M-750M tier
149
Indirect Auto Concentration (%)
balance_sheet
Value:
36.96%
Peer Avg: 16.19%
#149 of 169
Bottom 12.4% in 500M-750M tier
133
AMR Growth Rate
growth
Value:
-0.22%
Peer Avg: 3.12%
#133 of 169
Bottom 21.9% in 500M-750M tier
130
Net Charge-Off Rate
risk
Value:
0.73%
Peer Avg: 0.51%
#130 of 169
Bottom 23.7% in 500M-750M tier