CRANE
Charter #68672 | IN
1B-3B
(304 CUs)
Mid-Market
($1B-$5B)
(380 CUs)
11 1B-3B in IN
CRANE has 6 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 4.3% in tier
- + Wallet Share Momentum: Top 5.4% in tier
- + Emerging Performer: Top 13.0% in tier
- + ROA 0.42% above tier average
- + Net Interest Margin 0.23% above tier average
- + Deposit Growth Rate: Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 2.0% in tier
- - Growth-at-Risk: Bottom 5.6% in tier
- - Liquidity Overhang: Bottom 22.1% in tier
- - Delinquency rate 0.39% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
68,122
-0.0% YoY-0.1% QoQ
|
-30.6K |
98,678
-1.9% YoY
|
22,637
+3.1% YoY
|
33,089
+6.1% YoY
|
Bottom 23.7% in tier |
| Assets |
$1.1B
+6.8% YoY+2.1% QoQ
|
$-587.8M |
$1.7B
+0.5% YoY
|
$383.9M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
Bottom 14.5% in tier |
| Loans |
$812.4M
+5.0% YoY+2.4% QoQ
|
$-420.7M |
$1.2B
+0.5% YoY
|
$276.9M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
Bottom 15.8% in tier |
| Deposits |
$941.1M
+13.1% YoY+1.9% QoQ
|
$-513.2M |
$1.5B
+1.3% YoY
|
$323.0M
+10.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 12.8% in tier |
| ROA |
1.1%
-1.4% YoY+7.0% QoQ
|
+0.4% |
0.7%
+13.4% YoY
|
0.9%
+24.5% YoY
|
0.7%
+273.4% YoY
|
Top 15.1% in tier |
| NIM |
3.5%
+4.3% YoY+1.4% QoQ
|
+0.2% |
3.3%
+9.3% YoY
|
3.8%
+8.0% YoY
|
3.7%
+5.0% YoY
|
64th in tier |
| Efficiency Ratio |
67.3%
-2.2% YoY-2.3% QoQ
|
-6.7% |
74.0%
-10.9% YoY
|
77.7%
-3.5% YoY
|
79.1%
-3.3% YoY
|
Bottom 24.0% in tier |
| Delinquency Rate |
1.2%
+126.2% YoY-17.8% QoQ
|
+0.4 |
0.8%
+6.1% YoY
|
1.3%
+19.3% YoY
|
1.2%
-0.9% YoY
|
Top 16.1% in tier |
| Loan To Share |
86.3%
-7.2% YoY+0.5% QoQ
|
+1.1% |
85.2%
-0.8% YoY
|
69.6%
-2.1% YoY
|
68.0%
-1.7% YoY
|
46th in tier |
| AMR |
$25,740
+9.2% YoY+2.2% QoQ
|
$-3K |
$29,172
+2.8% YoY
|
$18,326
+4.3% YoY
|
$19,418
+1.3% YoY
|
40th in tier |
| CD Concentration |
31.4%
+33.5% YoY+3.6% QoQ
|
+2.4% |
29.0%
+0.8% YoY
|
19.0%
+9.9% YoY
|
19.6%
+6.2% YoY
|
63rd in tier |
| Indirect Auto % |
14.6%
-23.4% YoY-7.5% QoQ
|
-4.2% |
18.8%
-2.8% YoY
|
11.0%
-3.5% YoY
|
7.9%
-2.9% YoY
|
46th in tier |
Signature Analysis
Strengths (3)
Relationship Depth Leader
growth
#32 of 264 • Top 4.3% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
9.23%
(Tier:
3.04%, National:
4.19%)
Share Draft per Member:
$3.3K
(Tier: $3.1K, National: $2.0K)
264 of 380 Mid-Market CUs have this signature
| 1330 nationally
↑ Growing
+60 CUs YoY
|
Rank improving
Wallet Share Momentum
growth
#40 of 264 • Top 5.4% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
9.23%
(Tier:
3.04%, National:
4.19%)
264 of 380 Mid-Market CUs have this signature
| 1330 nationally
↑ Growing
+60 CUs YoY
|
Rank improving
Emerging Performer
growth
#70 of 184 • Top 13.0% in tier
Profitable credit union with positive returns. May represent growth potential worth exploring.
Why This Signature
Return on Assets:
1.12%
(Tier:
0.71%, National:
0.71%)
Member Growth (YoY):
-0.03%
(Tier:
3.18%, National:
9.37%)
184 of 380 Mid-Market CUs have this signature
| 852 nationally
↑ Growing
+18 CUs YoY
|
Rank worsening
Concerns (3)
Credit Quality Pressure
risk
#16 of 217 • Bottom 2.0% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
0.68% points
(Tier:
0.07% points, National:
0.07% points)
217 of 380 Mid-Market CUs have this signature
| 1002 nationally
↓ Shrinking
-70 CUs YoY
|
New qualifier
Growth-at-Risk
risk
#32 of 161 • Bottom 5.6% in tier
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Why This Signature
Loan Growth (YoY):
5.00%
(Tier:
6.14%, National:
36.38%)
Delinquency Change (YoY):
0.68% points
(Tier:
0.07% points, National:
0.07% points)
161 of 380 Mid-Market CUs have this signature
| 646 nationally
↓ Shrinking
-30 CUs YoY
|
New qualifier
Liquidity Overhang
risk
#72 of 113 • Bottom 22.1% 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:
12.74%
(Tier:
11.30%, National:
14.51%)
Loan-to-Share Ratio:
86.32%
(Tier:
86.35%, National:
67.96%)
113 of 380 Mid-Market CUs have this signature
| 691 nationally
↑ Growing
+9 CUs YoY
|
Rank improving
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 (6 metrics)
25
Deposit Growth Rate
growth
Value:
13.10%
Peer Avg: 5.58%
#25 of 304
Top 7.9% in 1B-3B tier
35
AMR Growth Rate
growth
Value:
9.23%
Peer Avg: 3.29%
#35 of 304
Top 11.2% in 1B-3B tier
37
Net Charge-Off Rate
risk
Value:
0.18%
Peer Avg: 0.60%
#37 of 304
Top 11.8% in 1B-3B tier
46
Return on Assets (ROA)
profitability
Value:
1.12%
Peer Avg: 0.70%
#46 of 304
Top 14.8% in 1B-3B tier
68
Net Worth Ratio
risk
Value:
12.74%
Peer Avg: 11.44%
#68 of 304
Top 22.0% in 1B-3B tier
74
Efficiency Ratio
profitability
Value:
67.27%
Peer Avg: 73.97%
#74 of 304
Top 24.0% in 1B-3B tier
Top Weaknesses (5 metrics)
265
Total Deposits
balance_sheet
Value:
$941.12M
Peer Avg: $1.45B
#265 of 304
Bottom 13.2% in 1B-3B tier
260
Total Assets
balance_sheet
Value:
$1.13B
Peer Avg: $1.72B
#260 of 304
Bottom 14.8% in 1B-3B tier
256
Total Delinquency Rate (60+ days)
risk
Value:
1.22%
Peer Avg: 0.83%
#256 of 304
Bottom 16.1% in 1B-3B tier
256
Total Loans
balance_sheet
Value:
$812.35M
Peer Avg: $1.23B
#256 of 304
Bottom 16.1% in 1B-3B tier
232
Total Members
engagement
Value:
68,122
Peer Avg: 98,678
#232 of 304
Bottom 24.0% in 1B-3B tier