AMERICA'S FIRST NETWORK

Charter #68680 | CT

100M-500M (1077 CUs) Micro
16 100M-500M in CT

AMERICA'S FIRST NETWORK has 9 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 1.1% in tier
  • + Organic Growth Engine: Top 10.4% in tier
  • + Emerging Performer: Top 13.8% in tier
  • + Net Interest Margin 0.39% above tier average
  • + Strong member growth: 18.5% YoY
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Member Growth Rate: Top 2.1% in tier
  • + Deposit Growth Rate: Top 2.4% in tier
  • + Asset Growth Rate: Top 2.5% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 11.5% in tier
  • - Shrinking Wallet Share: Bottom 15.1% in tier
  • - ROA 0.49% below tier average
  • - Efficiency ratio 13.40% above tier (higher cost structure)
  • - Delinquency rate 0.12% above tier average
  • - Total Assets: Bottom 1.7% in tier
  • - Total Deposits: Bottom 3.3% in tier
  • - Fee Income Per Member: Bottom 8.4% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CT) National Avg Tier Percentile
Members 9,548
+18.5% YoY+0.3% QoQ
 -6.1K 15,628
-3.4% YoY
 13,754
+3.9% YoY
 33,089
+6.1% YoY
 27th in tier
Assets $102.5M
+19.9% YoY-0.5% QoQ
 $-128.8M $231.3M
-0.0% YoY
 $223.0M
+8.2% YoY
 $547.7M
+7.8% YoY
 Bottom 1.6% in tier
Loans $61.1M
+10.2% YoY+3.7% QoQ
 $-86.7M $147.8M
-1.4% YoY
 $129.0M
+9.8% YoY
 $388.7M
+8.6% YoY
 Bottom 10.3% in tier
Deposits $90.6M
+20.4% YoY-0.5% QoQ
 $-109.7M $200.3M
-0.0% YoY
 $195.5M
+7.9% YoY
 $464.6M
+9.3% YoY
 Bottom 3.2% in tier
ROA 0.3%
+23.6% YoY-27.0% QoQ
 -0.5% 0.8%
+15.5% YoY
 0.4%
-140.5% YoY
 0.7%
+273.4% YoY
 Bottom 18.5% in tier
NIM 4.0%
+3.1% YoY-2.4% QoQ
 +0.4% 3.6%
+6.9% YoY
 3.6%
+5.0% YoY
 3.7%
+5.0% YoY
 72nd in tier
Efficiency Ratio 90.7%
-0.7% YoY-0.4% QoQ
 +13.4% 77.3%
-3.0% YoY
 85.8%
+0.7% YoY
 79.1%
-3.3% YoY
 Top 9.9% in tier
Delinquency Rate 1.0%
-19.4% YoY-22.3% QoQ
 +0.1 0.9%
+7.6% YoY
 1.2%
+0.2% YoY
 1.2%
-0.9% YoY
 69th in tier
Loan To Share 67.4%
-8.4% YoY+4.2% QoQ
 -5.3% 72.7%
-1.5% YoY
 56.5%
+1.7% YoY
 68.0%
-1.7% YoY
 34th in tier
AMR $15,889
-2.1% YoY+0.9% QoQ
 $-8K $24,363
+2.9% YoY
 $16,763
+4.9% YoY
 $19,418
+1.3% YoY
 Bottom 13.3% in tier
CD Concentration 19.1%
+9.1% YoY+10.0% QoQ
 -5.3% 24.4%
+4.2% YoY
 14.4%
+16.9% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 5.3%
-6.5% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Organic Growth Leader

growth
#15 of 430 • Top 1.1% in tier

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

Why This Signature
Member Growth (YoY): 18.54%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 1077 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | New qualifier

Organic Growth Engine

growth
#192 of 603 • Top 10.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 18.54%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.29%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 0.00%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Emerging Performer

growth
#260 of 627 • Top 13.8% in tier

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

Why This Signature
Return on Assets: 0.29%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): 18.54%
(Tier: 0.88%, National: 9.37%)
better than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | New qualifier

Concerns (2)

Efficiency Drag

risk
#204 of 521 • Bottom 11.5% in tier

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

Why This Signature
Efficiency Ratio: 90.68%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.06% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): 18.54%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | New qualifier

Shrinking Wallet Share

decline
#151 of 244 • Bottom 15.1% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -2.10%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 1077 Community CUs have this signature | 346 nationally
↓ Shrinking -221 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)

Comparing against 1077 peers in tier

Top Strengths (5 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
24
Member Growth Rate
growth
Value: 18.54%
Peer Avg: 0.72%
#24 of 1077 Top 2.1% in 100M-500M tier
27
Deposit Growth Rate
growth
Value: 20.35%
Peer Avg: 4.69%
#27 of 1077 Top 2.4% in 100M-500M tier
28
Asset Growth Rate
growth
Value: 19.91%
Peer Avg: 4.70%
#28 of 1077 Top 2.5% in 100M-500M tier
158
Loan Growth Rate
growth
Value: 10.19%
Peer Avg: 3.45%
#158 of 1077 Top 14.6% in 100M-500M tier

Top Weaknesses (10 metrics)

1060
Total Assets
balance_sheet
Value: $102.49M
Peer Avg: $231.30M
#1060 of 1077 Bottom 1.7% in 100M-500M tier
1042
Total Deposits
balance_sheet
Value: $90.62M
Peer Avg: $200.29M
#1042 of 1077 Bottom 3.3% in 100M-500M tier
988
Fee Income Per Member
profitability
Value: $82.52
Peer Avg: $174.31
#988 of 1077 Bottom 8.4% in 100M-500M tier
971
Efficiency Ratio
profitability
Value: 90.68%
Peer Avg: 77.28%
#971 of 1077 Bottom 9.9% in 100M-500M tier
966
Total Loans
balance_sheet
Value: $61.08M
Peer Avg: $147.80M
#966 of 1077 Bottom 10.4% in 100M-500M tier
957
AMR Growth Rate
growth
Value: -2.10%
Peer Avg: 3.64%
#957 of 1077 Bottom 11.2% in 100M-500M tier
934
Average Member Relationship (AMR)
engagement
Value: $15,889
Peer Avg: $24,363
#934 of 1077 Bottom 13.4% in 100M-500M tier
896
Loan-to-Member Ratio (LMR)
engagement
Value: $6,398
Peer Avg: $10,245
#896 of 1077 Bottom 16.9% in 100M-500M tier
878
Return on Assets (ROA)
profitability
Value: 0.29%
Peer Avg: 0.79%
#878 of 1077 Bottom 18.6% in 100M-500M tier
814
Members Per Employee (MPE)
engagement
Value: 265.222
Peer Avg: 332.881
#814 of 1077 Bottom 24.5% in 100M-500M tier