TRUE COMMUNITY

Charter #68718 | MI

750M-1B (112 CUs) Community (281 CUs)
9 750M-1B in MI

TRUE COMMUNITY has 5 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 18.6% in tier
  • + ROA 0.25% above tier average
  • + Net Interest Margin 1.68% above tier average
  • + Total Members: Top 4.5% in tier
  • + Share Certificate Concentration (%): Top 9.8% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 4.0% in tier
  • - Growth-at-Risk: Bottom 12.8% in tier
  • - Indirect Auto Dependency: Bottom 25.0% in tier
  • - Delinquency rate 0.81% above tier average
  • - Average Member Relationship (AMR): Bottom 5.4% in tier
  • - Total Delinquency Rate (60+ days): Bottom 7.1% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Members 82,805
+2.6% YoY+0.0% QoQ
 +30.7K 52,114
-2.1% YoY
 35,456
+8.6% YoY
 33,089
+6.1% YoY
 Top 5.4% in tier
Assets $910.4M
+3.8% YoY-0.9% QoQ
 +$51.4M $859.0M
+0.0% YoY
 $650.8M
+12.6% YoY
 $547.7M
+7.8% YoY
 74th in tier
Loans $697.3M
+2.6% YoY-0.8% QoQ
 +$93.9M $603.4M
+1.0% YoY
 $461.6M
+14.9% YoY
 $388.7M
+8.6% YoY
 Top 19.6% in tier
Deposits $780.7M
+2.9% YoY-1.5% QoQ
 +$46.6M $734.2M
+0.9% YoY
 $550.3M
+12.5% YoY
 $464.6M
+9.3% YoY
 Top 25.0% in tier
ROA 1.0%
+236.3% YoY-6.3% QoQ
 +0.2% 0.7%
+27.6% YoY
 0.8%
-27.1% YoY
 0.7%
+273.4% YoY
 69th in tier
NIM 5.1%
+10.8% YoY+3.3% QoQ
 +1.7% 3.4%
+9.6% YoY
 3.7%
+8.5% YoY
 3.7%
+5.0% YoY
 Top 2.7% in tier
Efficiency Ratio 72.8%
-7.4% YoY-2.1% QoQ
 -1.7% 74.5%
-3.2% YoY
 76.1%
-1.3% YoY
 79.1%
-3.3% YoY
 36th in tier
Delinquency Rate 1.6%
+61.8% YoY+46.9% QoQ
 +0.8 0.8%
+5.0% YoY
 0.9%
-19.7% YoY
 1.2%
-0.9% YoY
 Top 7.1% in tier
Loan To Share 89.3%
-0.3% YoY+0.8% QoQ
 +6.6% 82.7%
+0.1% YoY
 68.1%
+0.3% YoY
 68.0%
-1.7% YoY
 62nd in tier
AMR $17,849
+0.1% YoY-1.2% QoQ
 $-11K $28,651
+2.5% YoY
 $22,054
+2.5% YoY
 $19,418
+1.3% YoY
 Bottom 4.5% in tier
CD Concentration 16.1%
+16.3% YoY+3.6% QoQ
 -8.3% 24.4%
+4.2% YoY
 18.6%
+6.0% YoY
 19.6%
+6.2% YoY
 Bottom 22.2% in tier
Indirect Auto % 23.3%
-9.3% YoY-3.7% QoQ
 +9.3% 14.0%
-5.8% YoY
 11.9%
-2.7% YoY
 7.9%
-2.9% YoY
 Top 24.7% in tier

Signature Analysis

Strengths (1)

Organic Growth Engine

growth
#342 of 603 • Top 18.6% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.64%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.96%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 23.26%
(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

Concerns (3)

Credit Quality Pressure

risk
#100 of 736 • Bottom 4.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.62% 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

Growth-at-Risk

risk
#192 of 446 • Bottom 12.8% in tier

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

Why This Signature
Loan Growth (YoY): 2.62%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 0.62% 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
#402 of 525 • Bottom 25.0% in tier

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

Why This Signature
Asset Growth (YoY): 3.78%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 23.26%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 2.64%
(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 worsening

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 112 peers in tier

Top Strengths (8 metrics)

3
Net Interest Margin (NIM)
profitability
Value: 5.06%
Peer Avg: 3.38%
#3 of 112 Top 1.8% in 750M-1B tier
6
Total Members
engagement
Value: 82,805
Peer Avg: 52,114
#6 of 112 Top 4.5% in 750M-1B tier
12
Share Certificate Concentration (%)
balance_sheet
Value: 16.09%
Peer Avg: 28.34%
#12 of 112 Top 9.8% in 750M-1B tier
22
Fee Income Per Member
profitability
Value: $253.13
Peer Avg: $204.75
#22 of 112 Top 18.8% in 750M-1B tier
22
Total Loans
balance_sheet
Value: $697.27M
Peer Avg: $603.36M
#22 of 112 Top 18.8% in 750M-1B tier
28
Total Deposits
balance_sheet
Value: $780.73M
Peer Avg: $734.17M
#28 of 112 Top 24.1% in 750M-1B tier
29
Members Per Employee (MPE)
engagement
Value: 386.939
Peer Avg: 361.634
#29 of 112 Top 25.0% in 750M-1B tier
29
Total Assets
balance_sheet
Value: $910.37M
Peer Avg: $859.01M
#29 of 112 Top 25.0% in 750M-1B tier

Top Weaknesses (5 metrics)

107
Average Member Relationship (AMR)
engagement
Value: $17,849
Peer Avg: $28,651
#107 of 112 Bottom 5.4% in 750M-1B tier
105
Total Delinquency Rate (60+ days)
risk
Value: 1.63%
Peer Avg: 0.82%
#105 of 112 Bottom 7.1% in 750M-1B tier
100
Loan-to-Member Ratio (LMR)
engagement
Value: $8,421
Peer Avg: $12,810
#100 of 112 Bottom 11.6% in 750M-1B tier
88
AMR Growth Rate
growth
Value: 0.12%
Peer Avg: 4.90%
#88 of 112 Bottom 22.3% in 750M-1B tier
85
Net Charge-Off Rate
risk
Value: 0.83%
Peer Avg: 0.61%
#85 of 112 Bottom 25.0% in 750M-1B tier