UNION SQUARE

Charter #68664 | TX

500M-750M (169 CUs) Community (281 CUs)
16 500M-750M in TX

UNION SQUARE has 1 strength but faces 12 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Net Interest Margin 0.19% above tier average

Key Concerns

Areas that may need attention

  • - Institutional Decline: Bottom 4.5% in tier
  • - Credit Quality Pressure: Bottom 6.2% in tier
  • - Membership Headwinds: Bottom 15.1% in tier
  • - Efficiency Drag: Bottom 20.2% in tier
  • - Stagnation Risk: Bottom 23.7% in tier
  • - Indirect Auto Dependency: Bottom 26.4% in tier
  • - ROA 0.58% below tier average
  • - Efficiency ratio 8.36% above tier (higher cost structure)
  • - Delinquency rate 0.31% above tier average
  • - Member decline: -2.7% YoY
  • - Loan Growth Rate: Bottom 6.5% in tier
  • - Net Worth Ratio: Bottom 7.1% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Members 35,601
-2.7% YoY-0.7% QoQ
 -4.2K 39,752
-2.7% YoY
 26,896
+3.7% YoY
 33,089
+6.1% YoY
 41st in tier
Assets $604.9M
-2.2% YoY-1.4% QoQ
 $-17.5M $622.4M
+0.3% YoY
 $411.3M
+5.9% YoY
 $547.7M
+7.8% YoY
 42nd in tier
Loans $436.4M
-9.3% YoY-2.6% QoQ
 +$454K $435.9M
-0.4% YoY
 $295.8M
+5.3% YoY
 $388.7M
+8.6% YoY
 48th in tier
Deposits $554.2M
+2.4% YoY-1.8% QoQ
 +$16.1M $538.0M
+1.3% YoY
 $341.5M
+6.1% YoY
 $464.6M
+9.3% YoY
 60th in tier
ROA 0.1%
-120.7% YoY-156.0% QoQ
 -0.6% 0.7%
+33.9% YoY
 0.5%
-24.0% YoY
 0.7%
+273.4% YoY
 Bottom 7.7% in tier
NIM 3.6%
+13.8% YoY+1.8% QoQ
 +0.2% 3.4%
+8.6% YoY
 3.9%
+4.3% YoY
 3.7%
+5.0% YoY
 64th in tier
Efficiency Ratio 86.5%
-7.8% YoY-2.3% QoQ
 +8.4% 78.1%
-3.4% YoY
 79.6%
-0.9% YoY
 79.1%
-3.3% YoY
 Top 17.8% in tier
Delinquency Rate 1.1%
+72.0% YoY+13.2% QoQ
 +0.3 0.8%
-4.9% YoY
 1.2%
+20.3% YoY
 1.2%
-0.9% YoY
 Top 20.7% in tier
Loan To Share 78.7%
-11.4% YoY-0.7% QoQ
 -2.3% 81.0%
-1.8% YoY
 71.8%
-2.5% YoY
 68.0%
-1.7% YoY
 36th in tier
AMR $27,824
-0.4% YoY-1.5% QoQ
 +$1K $26,482
+2.6% YoY
 $17,515
+1.3% YoY
 $19,418
+1.3% YoY
 66th in tier
CD Concentration 26.4%
+6.5% YoY-3.0% QoQ
 +2.0% 24.4%
+4.2% YoY
 20.9%
+7.1% YoY
 19.6%
+6.2% YoY
 57th in tier
Indirect Auto % 25.2%
-16.4% YoY-4.7% QoQ
 +11.3% 14.0%
-5.8% YoY
 7.2%
-0.2% YoY
 7.9%
-2.9% YoY
 Top 22.4% in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Institutional Decline

decline
#36 of 256 • Bottom 4.5% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $604.86M
(Tier: $622.38M, National: $547.69M)
worse than tier avg
Member Growth (YoY): -2.74%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -9.30%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
256 of 281 Community CUs have this signature | 293 nationally
↓ Shrinking -43 CUs YoY | Rank worsening

Credit Quality Pressure

risk
#155 of 736 • Bottom 6.2% in tier

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

Why This Signature
Delinquency Change (YoY): 0.47% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 281 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | New qualifier

Membership Headwinds

decline
#250 of 550 • Bottom 15.1% in tier

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

Why This Signature
Member Growth (YoY): -2.74%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Efficiency Drag

risk
#357 of 521 • Bottom 20.2% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 86.45%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.45% points
(Tier: 0.11% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): -2.74%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 281 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank worsening

Stagnation Risk

risk
#390 of 550 • Bottom 23.7% 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: 0.08%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -2.74%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $27.8K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 26.38%
(Tier: 24.41%, National: 19.60%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Indirect Auto Dependency

risk
#425 of 525 • Bottom 26.4% in tier

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

Why This Signature
Asset Growth (YoY): -2.25%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 25.23%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -2.74%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 281 Community CUs have this signature | 768 nationally
↓ Shrinking -18 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 169 peers in tier

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (10 metrics)

159
Loan Growth Rate
growth
Value: -9.30%
Peer Avg: 4.04%
#159 of 169 Bottom 6.5% in 500M-750M tier
158
Net Worth Ratio
risk
Value: 8.12%
Peer Avg: 10.94%
#158 of 169 Bottom 7.1% in 500M-750M tier
156
Return on Assets (ROA)
profitability
Value: 0.08%
Peer Avg: 0.66%
#156 of 169 Bottom 8.3% in 500M-750M tier
146
Member Growth Rate
growth
Value: -2.74%
Peer Avg: 1.75%
#146 of 169 Bottom 14.2% in 500M-750M tier
146
Asset Growth Rate
growth
Value: -2.25%
Peer Avg: 4.33%
#146 of 169 Bottom 14.2% in 500M-750M tier
146
First Mortgage Concentration (%)
balance_sheet
Value: 50.25%
Peer Avg: 33.53%
#146 of 169 Bottom 14.2% in 500M-750M tier
146
Members Per Employee (MPE)
engagement
Value: 245.524
Peer Avg: 338.010
#146 of 169 Bottom 14.2% in 500M-750M tier
140
Efficiency Ratio
profitability
Value: 86.45%
Peer Avg: 78.10%
#140 of 169 Bottom 17.8% in 500M-750M tier
137
AMR Growth Rate
growth
Value: -0.37%
Peer Avg: 3.12%
#137 of 169 Bottom 19.5% in 500M-750M tier
135
Total Delinquency Rate (60+ days)
risk
Value: 1.11%
Peer Avg: 0.80%
#135 of 169 Bottom 20.7% in 500M-750M tier