FINANCIAL PLUS

Charter #68646 | MI

1B-3B (304 CUs) Mid-Market (380 CUs)
19 1B-3B in MI

FINANCIAL PLUS has 9 strengths but faces 2 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 2.8% in tier
  • + Relationship Depth Leader: Top 6.4% in tier
  • + Emerging Performer: Top 7.9% in tier
  • + Organic Growth Engine: Top 16.2% in tier
  • + Organic Growth Leader: Top 22.7% in tier
  • + ROA 0.31% above tier average
  • + Net Interest Margin 0.76% above tier average
  • + Loan Growth Rate: Top 4.3% in tier
  • + AMR Growth Rate: Top 5.6% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 20.4% in tier
  • - Liquidity Overhang: Bottom 32.1% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Members 83,014
+2.2% YoY+1.0% QoQ
 -15.7K 98,678
-1.9% YoY
 35,456
+8.6% YoY
 33,089
+6.1% YoY
 44th in tier
Assets $1.5B
+10.8% YoY+1.5% QoQ
 $-183.0M $1.7B
+0.5% YoY
 $650.8M
+12.6% YoY
 $547.7M
+7.8% YoY
 51st in tier
Loans $1.1B
+20.4% YoY+3.4% QoQ
 $-100.5M $1.2B
+0.5% YoY
 $461.6M
+14.9% YoY
 $388.7M
+8.6% YoY
 53rd in tier
Deposits $1.2B
+9.8% YoY+1.2% QoQ
 $-212.9M $1.5B
+1.3% YoY
 $550.3M
+12.5% YoY
 $464.6M
+9.3% YoY
 46th in tier
ROA 1.0%
+5.2% YoY+13.9% QoQ
 +0.3% 0.7%
+13.4% YoY
 0.8%
-27.1% YoY
 0.7%
+273.4% YoY
 Top 22.4% in tier
NIM 4.0%
+5.6% YoY+1.5% QoQ
 +0.8% 3.3%
+9.3% YoY
 3.7%
+8.5% YoY
 3.7%
+5.0% YoY
 Top 9.9% in tier
Efficiency Ratio 66.7%
-3.6% YoY-1.6% QoQ
 -7.3% 74.0%
-10.9% YoY
 76.1%
-1.3% YoY
 79.1%
-3.3% YoY
 Bottom 21.7% in tier
Delinquency Rate 0.5%
-19.2% YoY+21.6% QoQ
 -0.3 0.8%
+6.1% YoY
 0.9%
-19.7% YoY
 1.2%
-0.9% YoY
 34th in tier
Loan To Share 91.2%
+9.7% YoY+2.1% QoQ
 +6.0% 85.2%
-0.8% YoY
 68.1%
+0.3% YoY
 68.0%
-1.7% YoY
 59th in tier
AMR $28,598
+12.1% YoY+1.2% QoQ
 $-575 $29,172
+2.8% YoY
 $22,054
+2.5% YoY
 $19,418
+1.3% YoY
 58th in tier
CD Concentration 26.7%
+9.5% YoY+2.6% QoQ
 -2.3% 29.0%
+0.8% YoY
 18.6%
+6.0% YoY
 19.6%
+6.2% YoY
 41st in tier
Indirect Auto % 13.7%
-13.9% YoY-3.3% QoQ
 -5.0% 18.8%
-2.8% YoY
 11.9%
-2.7% YoY
 7.9%
-2.9% YoY
 44th in tier

Signature Analysis

Strengths (5)

Wallet Share Momentum

growth
#21 of 264 • Top 2.8% in tier

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

Why This Signature
AMR Growth (YoY): 12.10%
(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
#47 of 264 • Top 6.4% in tier

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

Why This Signature
AMR Growth (YoY): 12.10%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.8K
(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
#43 of 184 • Top 7.9% in tier

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

Why This Signature
Return on Assets: 1.01%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Member Growth (YoY): 2.24%
(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 | Rank worsening

Organic Growth Engine

growth
#118 of 246 • Top 16.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.24%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
Return on Assets: 1.01%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 13.75%
(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

Organic Growth Leader

growth
#90 of 138 • Top 22.7% in tier

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

Why This Signature
Member Growth (YoY): 2.24%
(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

Concerns (2)

Liquidity Strain

risk
#108 of 183 • Bottom 20.4% in tier

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

Why This Signature
Loan-to-Share Ratio: 91.23%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 20.43%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY | New qualifier

Liquidity Overhang

risk
#104 of 113 • Bottom 32.1% 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: 12.01%
(Tier: 11.30%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 91.23%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
113 of 380 Mid-Market CUs have this signature | 691 nationally
↑ Growing +9 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 304 peers in tier

Top Strengths (9 metrics)

14
Loan Growth Rate
growth
Value: 20.43%
Peer Avg: 5.27%
#14 of 304 Top 4.3% in 1B-3B tier
18
AMR Growth Rate
growth
Value: 12.10%
Peer Avg: 3.29%
#18 of 304 Top 5.6% in 1B-3B tier
30
Net Interest Margin (NIM)
profitability
Value: 4.02%
Peer Avg: 3.26%
#30 of 304 Top 9.5% in 1B-3B tier
32
Asset Growth Rate
growth
Value: 10.79%
Peer Avg: 4.83%
#32 of 304 Top 10.2% in 1B-3B tier
34
First Mortgage Concentration (%)
balance_sheet
Value: 17.53%
Peer Avg: 34.01%
#34 of 304 Top 10.9% in 1B-3B tier
46
Deposit Growth Rate
growth
Value: 9.77%
Peer Avg: 5.58%
#46 of 304 Top 14.8% in 1B-3B tier
67
Efficiency Ratio
profitability
Value: 66.71%
Peer Avg: 73.97%
#67 of 304 Top 21.7% in 1B-3B tier
67
Fee Income Per Member
profitability
Value: $256.24
Peer Avg: $210.52
#67 of 304 Top 21.7% in 1B-3B tier
68
Return on Assets (ROA)
profitability
Value: 1.01%
Peer Avg: 0.70%
#68 of 304 Top 22.0% in 1B-3B tier

Top Weaknesses (1 metrics)

242
Members Per Employee (MPE)
engagement
Value: 294.376
Peer Avg: 364.953
#242 of 304 Bottom 20.7% in 1B-3B tier