ENT
Charter #68671 | CO
7B-10B
(30 CUs)
Large
($5B-$10B)
(64 CUs)
2 7B-10B in CO
ENT has 8 strengths but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 2.4% in tier
- + Organic Growth Engine: Top 14.2% in tier
- + Net Interest Margin 0.55% above tier average
- + Strong member growth: 5.5% YoY
- + Total Loans: Top 0.0% in tier
- + Total Deposits: Top 3.3% in tier
- + Loan-to-Share Ratio: Top 6.7% in tier
- + Member Growth Rate: Top 10.0% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 4.2% in tier
- - Deposit Outflow: Bottom 10.0% in tier
- - Credit Quality Pressure: Bottom 13.9% in tier
- - Liquidity Strain: Bottom 14.1% in tier
- - Cost Spiral: Bottom 20.0% in tier
- - Growth-at-Risk: Bottom 23.7% in tier
- - Indirect Auto Dependency: Bottom 32.3% in tier
- - ROA 0.49% below tier average
- - Efficiency ratio 11.11% above tier (higher cost structure)
- - Asset Growth Rate: Bottom 10.0% in tier
- - Deposit Growth Rate: Bottom 10.0% in tier
- - AMR Growth Rate: Bottom 10.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
581,730
+5.5% YoY+1.0% QoQ
|
+122.4K |
459,296
+3.8% YoY
|
38,063
+8.0% YoY
|
33,089
+6.1% YoY
|
Top 20.0% in tier |
| Assets |
$9.7B
-2.3% YoY-5.8% QoQ
|
+$790.8M |
$8.9B
+1.2% YoY
|
$678.0M
+7.3% YoY
|
$547.7M
+7.8% YoY
|
Top 20.0% in tier |
| Loans |
$8.5B
+0.6% YoY-4.9% QoQ
|
+$2.1B |
$6.3B
+2.9% YoY
|
$529.4M
+8.0% YoY
|
$388.7M
+8.6% YoY
|
Top 3.3% in tier |
| Deposits |
$8.3B
-1.2% YoY-0.9% QoQ
|
+$868.0M |
$7.5B
+2.3% YoY
|
$571.8M
+9.1% YoY
|
$464.6M
+9.3% YoY
|
Top 6.7% in tier |
| ROA |
0.5%
-24.5% YoY+64.7% QoQ
|
-0.5% |
1.0%
+22.1% YoY
|
0.5%
+8.5% YoY
|
0.7%
+273.4% YoY
|
Bottom 13.3% in tier |
| NIM |
3.6%
+7.4% YoY+4.4% QoQ
|
+0.5% |
3.0%
+11.5% YoY
|
3.6%
+3.7% YoY
|
3.7%
+5.0% YoY
|
Top 20.0% in tier |
| Efficiency Ratio |
74.8%
+7.4% YoY-1.9% QoQ
|
+11.1% |
63.7%
-2.2% YoY
|
80.6%
-2.6% YoY
|
79.1%
-3.3% YoY
|
Top 20.0% in tier |
| Delinquency Rate |
0.6%
+14.6% YoY+11.3% QoQ
|
-0.0 |
0.7%
+10.8% YoY
|
0.9%
+6.2% YoY
|
1.2%
-0.9% YoY
|
40th in tier |
| Loan To Share |
101.9%
+1.9% YoY-4.1% QoQ
|
+16.5% |
85.4%
+0.7% YoY
|
72.9%
-3.4% YoY
|
68.0%
-1.7% YoY
|
Top 10.0% in tier |
| AMR |
$28,885
-5.5% YoY-3.9% QoQ
|
$-5K |
$33,660
-2.9% YoY
|
$22,866
+4.1% YoY
|
$19,418
+1.3% YoY
|
37th in tier |
| CD Concentration |
28.0%
-10.0% YoY+2.4% QoQ
|
-0.9% |
28.9%
-1.3% YoY
|
26.3%
+7.3% YoY
|
19.6%
+6.2% YoY
|
47th in tier |
| Indirect Auto % |
15.2%
-27.2% YoY-15.5% QoQ
|
-1.4% |
16.6%
-10.3% YoY
|
12.4%
-8.4% YoY
|
7.9%
-2.9% YoY
|
48th in tier |
Signature Analysis
Strengths (2)
Organic Growth Leader
growth
#3 of 28 • Top 2.4% in tier
Attracting members without relying on indirect channels. Healthy, sustainable growth model.
Why This Signature
Member Growth (YoY):
5.52%
(Tier:
3.07%, National:
9.37%)
28 of 64 Large CUs have this signature
| 608 nationally
→ Stable (28→28 CUs)
|
New qualifier
Organic Growth Engine
growth
#22 of 50 • Top 14.2% in tier
Growing membership while maintaining profitability. Healthy fundamentals in place.
Why This Signature
Member Growth (YoY):
5.52%
(Tier:
3.07%, National:
9.37%)
Return on Assets:
0.54%
(Tier:
0.91%, National:
0.71%)
Indirect Auto %:
15.18%
(Tier:
16.60%, National:
7.90%)
50 of 64 Large CUs have this signature
| 917 nationally
→ Stable (52→50 CUs)
-2 CUs YoY
Concerns (7)
Shrinking Wallet Share
decline
#3 of 15 • Bottom 4.2% in tier
Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Why This Signature
AMR Growth (YoY):
-5.54%
(Tier:
2.82%, National:
4.19%)
15 of 64 Large CUs have this signature
| 346 nationally
↓ Shrinking
-6 CUs YoY
|
New qualifier
Deposit Outflow
decline
#2 of 3 • Bottom 10.0% in tier
Members staying but deposits leaving. They're losing to higher-yield competitors - rate pressure is real.
Why This Signature
Deposit Growth (YoY):
-1.25%
(Tier:
6.42%, National:
12.00%)
Total Assets:
$9.71B
(Tier: $8.92B, National: $547.69M)
3 of 64 Large CUs have this signature
| 143 nationally
→ Stable (4→3 CUs)
-1 CUs YoY
|
New qualifier
Credit Quality Pressure
risk
#18 of 34 • Bottom 13.9% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
0.08% points
(Tier:
0.04% points, National:
0.07% points)
34 of 64 Large CUs have this signature
| 1002 nationally
↓ Shrinking
-17 CUs YoY
Liquidity Strain
risk
#13 of 32 • Bottom 14.1% in tier
Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Why This Signature
Loan-to-Share Ratio:
101.92%
(Tier:
84.48%, National:
67.96%)
Loan Growth (YoY):
0.60%
(Tier:
4.99%, National:
36.38%)
32 of 64 Large CUs have this signature
| 484 nationally
→ Stable (27→32 CUs)
+5 CUs YoY
|
Rank worsening
Cost Spiral
risk
#3 of 3 • Bottom 20.0% in tier
Historically lean operator now seeing efficiency ratio rise significantly. Efficiency advantage eroding - early intervention critical.
Why This Signature
Efficiency Ratio Change:
5.14% points
(Tier:
-1.02% points, National:
-1.81% points)
Efficiency Ratio (Prior Year):
-
(Tier: -, National: -)
Total Assets:
$9.71B
(Tier: $8.92B, National: $547.69M)
3 of 64 Large CUs have this signature
| 80 nationally
→ No prior data (3 CUs now)
|
New qualifier
Growth-at-Risk
risk
#24 of 25 • Bottom 23.7% in tier
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Why This Signature
Loan Growth (YoY):
0.60%
(Tier:
4.99%, National:
36.38%)
Delinquency Change (YoY):
0.08% points
(Tier:
0.04% points, National:
0.07% points)
25 of 64 Large CUs have this signature
| 646 nationally
↓ Shrinking
-13 CUs YoY
Indirect Auto Dependency
risk
#33 of 33 • Bottom 32.3% in tier
Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Why This Signature
Asset Growth (YoY):
-2.31%
(Tier:
4.60%, National:
3.04%)
Indirect Auto %:
15.18%
(Tier:
16.60%, National:
7.90%)
Member Growth (YoY):
5.52%
(Tier:
3.07%, National:
9.37%)
33 of 64 Large CUs have this signature
| 768 nationally
→ Stable (34→33 CUs)
-1 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)
Top Strengths (7 metrics)
1
Total Loans
balance_sheet
Value:
$8.48B
Peer Avg: $6.34B
#1 of 30
Top 0.0% in 7B-10B tier
2
Total Deposits
balance_sheet
Value:
$8.32B
Peer Avg: $7.45B
#2 of 30
Top 3.3% in 7B-10B tier
3
Loan-to-Share Ratio
balance_sheet
Value:
101.92%
Peer Avg: 85.44%
#3 of 30
Top 6.7% in 7B-10B tier
4
Member Growth Rate
growth
Value:
5.52%
Peer Avg: 2.85%
#4 of 30
Top 10.0% in 7B-10B tier
6
Net Interest Margin (NIM)
profitability
Value:
3.55%
Peer Avg: 3.00%
#6 of 30
Top 16.7% in 7B-10B tier
6
Total Members
engagement
Value:
581,730
Peer Avg: 459,296
#6 of 30
Top 16.7% in 7B-10B tier
6
Total Assets
balance_sheet
Value:
$9.71B
Peer Avg: $8.92B
#6 of 30
Top 16.7% in 7B-10B tier
Top Weaknesses (6 metrics)
28
Asset Growth Rate
growth
Value:
-2.31%
Peer Avg: 2.91%
#28 of 30
Bottom 10.0% in 7B-10B tier
28
Deposit Growth Rate
growth
Value:
-1.25%
Peer Avg: 4.48%
#28 of 30
Bottom 10.0% in 7B-10B tier
28
AMR Growth Rate
growth
Value:
-5.54%
Peer Avg: 1.77%
#28 of 30
Bottom 10.0% in 7B-10B tier
26
Return on Assets (ROA)
profitability
Value:
0.54%
Peer Avg: 1.03%
#26 of 30
Bottom 16.7% in 7B-10B tier
25
Efficiency Ratio
profitability
Value:
74.83%
Peer Avg: 63.73%
#25 of 30
Bottom 20.0% in 7B-10B tier
24
Loan Growth Rate
growth
Value:
0.60%
Peer Avg: 3.91%
#24 of 30
Bottom 23.3% in 7B-10B tier