MY COMMUNITY

Charter #68682 | TX

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

MY COMMUNITY has 5 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 13.5% in tier
  • + Wallet Share Momentum: Top 16.4% in tier
  • + Organic Growth Engine: Top 27.7% in tier
  • + ROA 0.16% above tier average
  • + Net Interest Margin 1.67% above tier average

Key Concerns

Areas that may need attention

  • - Growth-at-Risk: Bottom 4.7% in tier
  • - Indirect Auto Dependency: Bottom 5.3% in tier
  • - Credit Quality Pressure: Bottom 6.2% in tier
  • - Efficiency Drag: Bottom 26.6% in tier
  • - Liquidity Strain: Bottom 27.1% in tier
  • - Efficiency ratio 2.47% above tier (higher cost structure)
  • - Delinquency rate 0.55% above tier average

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Members 42,472
+1.6% YoY+1.4% QoQ
 +2.7K 39,752
-2.7% YoY
 26,896
+3.7% YoY
 33,089
+6.1% YoY
 62nd in tier
Assets $538.1M
+6.3% YoY+0.1% QoQ
 $-84.3M $622.4M
+0.3% YoY
 $411.3M
+5.9% YoY
 $547.7M
+7.8% YoY
 Bottom 16.0% in tier
Loans $429.9M
+7.7% YoY-1.7% QoQ
 $-6.1M $435.9M
-0.4% YoY
 $295.8M
+5.3% YoY
 $388.7M
+8.6% YoY
 44th in tier
Deposits $476.5M
+6.3% YoY-0.3% QoQ
 $-61.5M $538.0M
+1.3% YoY
 $341.5M
+6.1% YoY
 $464.6M
+9.3% YoY
 Bottom 21.3% in tier
ROA 0.8%
+100.4% YoY+9.2% QoQ
 +0.2% 0.7%
+33.9% YoY
 0.5%
-24.0% YoY
 0.7%
+273.4% YoY
 64th in tier
NIM 5.1%
+9.4% YoY-1.0% QoQ
 +1.7% 3.4%
+8.6% YoY
 3.9%
+4.3% YoY
 3.7%
+5.0% YoY
 Top 1.8% in tier
Efficiency Ratio 80.6%
+0.9% YoY-1.7% QoQ
 +2.5% 78.1%
-3.4% YoY
 79.6%
-0.9% YoY
 79.1%
-3.3% YoY
 62nd in tier
Delinquency Rate 1.3%
+54.1% YoY+26.4% QoQ
 +0.5 0.8%
-4.9% YoY
 1.2%
+20.3% YoY
 1.2%
-0.9% YoY
 Top 16.0% in tier
Loan To Share 90.2%
+1.3% YoY-1.4% QoQ
 +9.2% 81.0%
-1.8% YoY
 71.8%
-2.5% YoY
 68.0%
-1.7% YoY
 71st in tier
AMR $21,341
+5.3% YoY-2.4% QoQ
 $-5K $26,482
+2.6% YoY
 $17,515
+1.3% YoY
 $19,418
+1.3% YoY
 Bottom 22.5% in tier
CD Concentration 20.8%
+2.0% YoY+6.6% QoQ
 -3.6% 24.4%
+4.2% YoY
 20.9%
+7.1% YoY
 19.6%
+6.2% YoY
 37th in tier
Indirect Auto % 38.4%
-4.8% YoY+2.2% QoQ
 +24.5% 14.0%
-5.8% YoY
 7.2%
-0.2% YoY
 7.9%
-2.9% YoY
 Top 9.6% in tier

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth
#372 of 1006 • Top 13.5% in tier

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

Why This Signature
AMR Growth (YoY): 5.26%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.8K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Wallet Share Momentum

growth
#454 of 1006 • Top 16.4% in tier

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

Why This Signature
AMR Growth (YoY): 5.26%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Organic Growth Engine

growth
#508 of 603 • Top 27.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.59%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.82%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 38.43%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Concerns (5)

Growth-at-Risk

risk
#71 of 446 • Bottom 4.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 7.69%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.47% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 281 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#86 of 525 • Bottom 5.3% in tier

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

Why This Signature
Asset Growth (YoY): 6.28%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 38.43%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 1.59%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 281 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank improving

Credit Quality Pressure

risk
#153 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

Efficiency Drag

risk
#470 of 521 • Bottom 26.6% in tier

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

Why This Signature
Efficiency Ratio: 80.56%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.41% points
(Tier: 0.11% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): 1.59%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
521 of 281 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | New qualifier

Liquidity Strain

risk
#211 of 258 • Bottom 27.1% in tier

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

Why This Signature
Loan-to-Share Ratio: 90.21%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 7.69%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
258 of 281 Community CUs have this signature | 484 nationally
↓ Shrinking -28 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 169 peers in tier

Top Strengths (3 metrics)

3
Net Interest Margin (NIM)
profitability
Value: 5.10%
Peer Avg: 3.43%
#3 of 169 Top 1.2% in 500M-750M tier
33
Fee Income Per Member
profitability
Value: $259.97
Peer Avg: $199.27
#33 of 169 Top 18.9% in 500M-750M tier
43
Share Certificate Concentration (%)
balance_sheet
Value: 20.76%
Peer Avg: 26.87%
#43 of 169 Top 24.9% in 500M-750M tier

Top Weaknesses (6 metrics)

151
Indirect Auto Concentration (%)
balance_sheet
Value: 38.43%
Peer Avg: 16.19%
#151 of 169 Bottom 11.2% in 500M-750M tier
143
Total Delinquency Rate (60+ days)
risk
Value: 1.34%
Peer Avg: 0.80%
#143 of 169 Bottom 16.0% in 500M-750M tier
143
Net Charge-Off Rate
risk
Value: 0.92%
Peer Avg: 0.51%
#143 of 169 Bottom 16.0% in 500M-750M tier
142
Total Assets
balance_sheet
Value: $538.10M
Peer Avg: $622.38M
#142 of 169 Bottom 16.6% in 500M-750M tier
133
Total Deposits
balance_sheet
Value: $476.53M
Peer Avg: $538.02M
#133 of 169 Bottom 21.9% in 500M-750M tier
131
Average Member Relationship (AMR)
engagement
Value: $21,341
Peer Avg: $26,482
#131 of 169 Bottom 23.1% in 500M-750M tier