COOSA VALLEY

Charter #68683 | GA

500M-750M (169 CUs) Community (281 CUs)
4 500M-750M in GA

COOSA VALLEY has 8 strengths but faces 2 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 6.1% in tier
  • + Wallet Share Momentum: Top 8.0% in tier
  • + Organic Growth Engine: Top 30.5% in tier
  • + Organic Growth Leader: Top 32.1% in tier
  • + ROA 0.13% above tier average
  • + Net Interest Margin 0.20% above tier average
  • + Fee Income Per Member: Top 3.0% in tier
  • + Total Deposits: Top 5.3% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 19.2% in tier
  • - Delinquency rate 0.02% above tier average

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Members 50,794
+0.6% YoY+0.7% QoQ
 +11.0K 39,752
-2.7% YoY
 30,529
+3.7% YoY
 33,089
+6.1% YoY
 Top 13.6% in tier
Assets $709.6M
+8.2% YoY+1.7% QoQ
 +$87.2M $622.4M
+0.3% YoY
 $489.5M
+5.8% YoY
 $547.7M
+7.8% YoY
 Top 17.2% in tier
Loans $541.8M
+9.0% YoY+0.8% QoQ
 +$105.8M $435.9M
-0.4% YoY
 $335.0M
+9.2% YoY
 $388.7M
+8.6% YoY
 Top 14.8% in tier
Deposits $639.1M
+7.9% YoY+2.1% QoQ
 +$101.1M $538.0M
+1.3% YoY
 $419.7M
+4.9% YoY
 $464.6M
+9.3% YoY
 Top 5.9% in tier
ROA 0.8%
+6.8% YoY+11.8% QoQ
 +0.1% 0.7%
+33.9% YoY
 1.1%
+41.8% YoY
 0.7%
+273.4% YoY
 60th in tier
NIM 3.6%
-5.1% YoY-0.4% QoQ
 +0.2% 3.4%
+8.6% YoY
 4.2%
+4.4% YoY
 3.7%
+5.0% YoY
 66th in tier
Efficiency Ratio 75.6%
+2.9% YoY+0.4% QoQ
 -2.5% 78.1%
-3.4% YoY
 76.7%
+1.1% YoY
 79.1%
-3.3% YoY
 35th in tier
Delinquency Rate 0.8%
-12.2% YoY+0.2% QoQ
 +0.0 0.8%
-4.9% YoY
 1.3%
+2.5% YoY
 1.2%
-0.9% YoY
 62nd in tier
Loan To Share 84.8%
+1.0% YoY-1.3% QoQ
 +3.8% 81.0%
-1.8% YoY
 72.3%
+1.1% YoY
 68.0%
-1.7% YoY
 53rd in tier
AMR $23,248
+7.8% YoY+0.8% QoQ
 $-3K $26,482
+2.6% YoY
 $17,296
+4.1% YoY
 $19,418
+1.3% YoY
 38th in tier
CD Concentration 17.8%
-9.8% YoY-1.9% QoQ
 -6.6% 24.4%
+4.2% YoY
 19.9%
+4.7% YoY
 19.6%
+6.2% YoY
 26th in tier
Indirect Auto % 17.0%
-11.8% YoY-4.9% QoQ
 +3.1% 14.0%
-5.8% YoY
 4.6%
+4.3% YoY
 7.9%
-2.9% YoY
 66th in tier

Signature Analysis

Strengths (4)

Relationship Depth Leader

growth
#170 of 1006 • Top 6.1% in tier

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

Why This Signature
AMR Growth (YoY): 7.79%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.9K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Wallet Share Momentum

growth
#222 of 1006 • Top 8.0% in tier

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

Why This Signature
AMR Growth (YoY): 7.79%
(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
#559 of 603 • Top 30.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 0.56%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
Return on Assets: 0.79%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 17.04%
(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 worsening

Organic Growth Leader

growth
#424 of 430 • Top 32.1% in tier

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

Why This Signature
Member Growth (YoY): 0.56%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
430 of 281 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank worsening

Concerns (1)

Indirect Auto Dependency

risk
#309 of 525 • Bottom 19.2% in tier

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

Why This Signature
Asset Growth (YoY): 8.23%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 17.04%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 0.56%
(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 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)

Comparing against 169 peers in tier

Top Strengths (12 metrics)

6
Fee Income Per Member
profitability
Value: $352.65
Peer Avg: $199.27
#6 of 169 Top 3.0% in 500M-750M tier
10
Total Deposits
balance_sheet
Value: $639.09M
Peer Avg: $538.02M
#10 of 169 Top 5.3% in 500M-750M tier
20
Share Certificate Concentration (%)
balance_sheet
Value: 17.78%
Peer Avg: 26.87%
#20 of 169 Top 11.2% in 500M-750M tier
23
Total Members
engagement
Value: 50,794
Peer Avg: 39,752
#23 of 169 Top 13.0% in 500M-750M tier
25
First Mortgage Concentration (%)
balance_sheet
Value: 16.89%
Peer Avg: 33.53%
#25 of 169 Top 14.2% in 500M-750M tier
25
Total Loans
balance_sheet
Value: $541.78M
Peer Avg: $435.95M
#25 of 169 Top 14.2% in 500M-750M tier
28
AMR Growth Rate
growth
Value: 7.79%
Peer Avg: 3.12%
#28 of 169 Top 16.0% in 500M-750M tier
29
Total Assets
balance_sheet
Value: $709.61M
Peer Avg: $622.38M
#29 of 169 Top 16.6% in 500M-750M tier
31
Asset Growth Rate
growth
Value: 8.23%
Peer Avg: 4.33%
#31 of 169 Top 17.8% in 500M-750M tier
39
Members Per Employee (MPE)
engagement
Value: 390.723
Peer Avg: 338.010
#39 of 169 Top 22.5% in 500M-750M tier

Top Weaknesses (1 metrics)

135
Net Charge-Off Rate
risk
Value: 0.79%
Peer Avg: 0.51%
#135 of 169 Bottom 20.7% in 500M-750M tier