MARSHLAND

Charter #68714 | GA

100M-500M (1077 CUs) Micro
20 100M-500M in GA

MARSHLAND has 4 strengths but faces 9 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 0.8% in tier
  • + Relationship Depth Leader: Top 2.7% in tier
  • + AMR Growth Rate: Top 1.8% in tier
  • + Total Delinquency Rate (60+ days): Top 6.9% in tier

Key Concerns

Areas that may need attention

  • - Membership Headwinds: Bottom 2.3% in tier
  • - Indirect Auto Dependency: Bottom 2.6% in tier
  • - Stagnation Risk: Bottom 7.0% in tier
  • - Efficiency Drag: Bottom 19.1% in tier
  • - ROA 0.34% below tier average
  • - Efficiency ratio 8.46% above tier (higher cost structure)
  • - Member decline: -9.6% YoY
  • - Member Growth Rate: Bottom 3.5% in tier
  • - Net Worth Ratio: Bottom 8.0% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Members 17,987
-9.6% YoY+0.7% QoQ
 +2.4K 15,628
-3.4% YoY
 30,529
+3.7% YoY
 33,089
+6.1% YoY
 68th in tier
Assets $267.3M
+7.6% YoY+2.5% QoQ
 +$36.0M $231.3M
-0.0% YoY
 $489.5M
+5.8% YoY
 $547.7M
+7.8% YoY
 68th in tier
Loans $185.5M
+10.7% YoY+1.1% QoQ
 +$37.7M $147.8M
-1.4% YoY
 $335.0M
+9.2% YoY
 $388.7M
+8.6% YoY
 72nd in tier
Deposits $244.0M
+7.5% YoY+2.2% QoQ
 +$43.7M $200.3M
-0.0% YoY
 $419.7M
+4.9% YoY
 $464.6M
+9.3% YoY
 70th in tier
ROA 0.5%
-19.0% YoY+6.4% QoQ
 -0.3% 0.8%
+15.5% YoY
 1.1%
+41.8% YoY
 0.7%
+273.4% YoY
 28th in tier
NIM 3.2%
-1.3% YoY-1.2% QoQ
 -0.4% 3.6%
+6.9% YoY
 4.2%
+4.4% YoY
 3.7%
+5.0% YoY
 27th in tier
Efficiency Ratio 85.7%
+2.5% YoY-0.9% QoQ
 +8.5% 77.3%
-3.0% YoY
 76.7%
+1.1% YoY
 79.1%
-3.3% YoY
 Top 21.3% in tier
Delinquency Rate 0.1%
-30.2% YoY-42.1% QoQ
 -0.7 0.9%
+7.6% YoY
 1.3%
+2.5% YoY
 1.2%
-0.9% YoY
 Bottom 6.9% in tier
Loan To Share 76.0%
+3.0% YoY-1.1% QoQ
 +3.3% 72.7%
-1.5% YoY
 72.3%
+1.1% YoY
 68.0%
-1.7% YoY
 54th in tier
AMR $23,878
+20.5% YoY+1.0% QoQ
 $-485 $24,363
+2.9% YoY
 $17,296
+4.1% YoY
 $19,418
+1.3% YoY
 59th in tier
CD Concentration 32.2%
+14.9% YoY+1.3% QoQ
 +7.8% 24.4%
+4.2% YoY
 19.9%
+4.7% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 28.0%
+15.4% YoY+2.1% QoQ
 +14.0% 14.0%
-5.8% YoY
 4.6%
+4.3% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#24 of 1006 • Top 0.8% in tier

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

Why This Signature
AMR Growth (YoY): 20.46%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Relationship Depth Leader

growth
#74 of 1006 • Top 2.7% in tier

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

Why This Signature
AMR Growth (YoY): 20.46%
(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 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Concerns (4)

Membership Headwinds

decline
#39 of 550 • Bottom 2.3% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -9.61%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#43 of 525 • Bottom 2.6% in tier

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

Why This Signature
Asset Growth (YoY): 7.63%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 28.01%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -9.61%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank improving

Stagnation Risk

risk
#117 of 550 • Bottom 7.0% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.45%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -9.61%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $23.9K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 32.20%
(Tier: 24.41%, National: 19.60%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Efficiency Drag

risk
#338 of 521 • Bottom 19.1% in tier

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

Why This Signature
Efficiency Ratio: 85.73%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.11% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): -9.61%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 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 1077 peers in tier

Top Strengths (6 metrics)

20
AMR Growth Rate
growth
Value: 20.46%
Peer Avg: 3.64%
#20 of 1077 Top 1.8% in 100M-500M tier
75
Total Delinquency Rate (60+ days)
risk
Value: 0.13%
Peer Avg: 0.86%
#75 of 1077 Top 6.9% in 100M-500M tier
144
Loan Growth Rate
growth
Value: 10.73%
Peer Avg: 3.45%
#144 of 1077 Top 13.3% in 100M-500M tier
230
Asset Growth Rate
growth
Value: 7.63%
Peer Avg: 4.70%
#230 of 1077 Top 21.3% in 100M-500M tier
232
Deposit Growth Rate
growth
Value: 7.52%
Peer Avg: 4.69%
#232 of 1077 Top 21.4% in 100M-500M tier
242
Fee Income Per Member
profitability
Value: $219.81
Peer Avg: $174.31
#242 of 1077 Top 22.4% in 100M-500M tier

Top Weaknesses (6 metrics)

1040
Member Growth Rate
growth
Value: -9.61%
Peer Avg: 0.72%
#1040 of 1077 Bottom 3.5% in 100M-500M tier
992
Net Worth Ratio
risk
Value: 8.47%
Peer Avg: 12.15%
#992 of 1077 Bottom 8.0% in 100M-500M tier
876
Indirect Auto Concentration (%)
balance_sheet
Value: 28.01%
Peer Avg: 13.34%
#876 of 1077 Bottom 18.8% in 100M-500M tier
849
Efficiency Ratio
profitability
Value: 85.73%
Peer Avg: 77.28%
#849 of 1077 Bottom 21.3% in 100M-500M tier
845
Share Certificate Concentration (%)
balance_sheet
Value: 32.20%
Peer Avg: 23.61%
#845 of 1077 Bottom 21.6% in 100M-500M tier
833
Members Per Employee (MPE)
engagement
Value: 260.681
Peer Avg: 332.881
#833 of 1077 Bottom 22.7% in 100M-500M tier