ESSENTIAL

Charter #68736 | LA

100M-500M (1077 CUs) Micro
22 100M-500M in LA

ESSENTIAL has 7 strengths but faces 13 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 0.2% in tier
  • + Relationship Depth Leader: Top 14.4% in tier
  • + AMR Growth Rate: Top 0.5% in tier
  • + Total Members: Top 2.8% in tier
  • + Total Loans: Top 3.2% in tier
  • + Total Assets: Top 8.5% in tier
  • + Total Deposits: Top 9.0% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 0.2% in tier
  • - Membership Headwinds: Bottom 0.3% in tier
  • - Credit Quality Pressure: Bottom 4.8% in tier
  • - Efficiency Drag: Bottom 6.9% in tier
  • - Growth-at-Risk: Bottom 8.8% in tier
  • - Liquidity Strain: Bottom 23.5% in tier
  • - Stagnation Risk: Bottom 24.0% in tier
  • - ROA 1.13% below tier average
  • - Efficiency ratio 20.35% above tier (higher cost structure)
  • - Delinquency rate 0.46% above tier average
  • - Member decline: -19.0% YoY
  • - Member Growth Rate: Bottom 0.8% in tier
  • - Indirect Auto Concentration (%): Bottom 5.6% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Members 36,811
-19.0% YoY0% QoQ
 +21.2K 15,628
-3.4% YoY
 9,352
+2.6% YoY
 33,089
+6.1% YoY
 Top 2.9% in tier
Assets $414.1M
+6.8% YoY+3.3% QoQ
 +$182.8M $231.3M
-0.0% YoY
 $121.4M
+4.9% YoY
 $547.7M
+7.8% YoY
 Top 8.6% in tier
Loans $329.0M
+4.5% YoY+3.9% QoQ
 +$181.2M $147.8M
-1.4% YoY
 $86.9M
+5.1% YoY
 $388.7M
+8.6% YoY
 Top 3.3% in tier
Deposits $356.0M
+4.6% YoY-0.7% QoQ
 +$155.8M $200.3M
-0.0% YoY
 $103.9M
+6.5% YoY
 $464.6M
+9.3% YoY
 Top 9.1% in tier
ROA -0.3%
+11.5% YoY+32.8% QoQ
 -1.1% 0.8%
+15.5% YoY
 0.5%
+1.1% YoY
 0.7%
+273.4% YoY
 Bottom 2.6% in tier
NIM 3.3%
+4.8% YoY+5.8% QoQ
 -0.3% 3.6%
+6.9% YoY
 4.3%
+3.2% YoY
 3.7%
+5.0% YoY
 30th in tier
Efficiency Ratio 97.6%
+4.9% YoY-1.1% QoQ
 +20.4% 77.3%
-3.0% YoY
 82.9%
-3.6% YoY
 79.1%
-3.3% YoY
 Top 3.5% in tier
Delinquency Rate 1.3%
+75.5% YoY-25.1% QoQ
 +0.5 0.9%
+7.6% YoY
 1.8%
-12.2% YoY
 1.2%
-0.9% YoY
 Top 18.8% in tier
Loan To Share 92.4%
-0.1% YoY+4.7% QoQ
 +19.7% 72.7%
-1.5% YoY
 70.9%
-2.6% YoY
 68.0%
-1.7% YoY
 Top 11.1% in tier
AMR $18,610
+29.1% YoY+1.4% QoQ
 $-6K $24,363
+2.9% YoY
 $13,297
+2.9% YoY
 $19,418
+1.3% YoY
 27th in tier
CD Concentration 20.0%
+9.0% YoY+2.7% QoQ
 -4.4% 24.4%
+4.2% YoY
 15.0%
+9.1% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 45.0%
-0.7% YoY-4.7% QoQ
 +31.0% 14.0%
-5.8% YoY
 5.3%
+10.6% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#8 of 1006 • Top 0.2% in tier

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

Why This Signature
AMR Growth (YoY): 29.14%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Relationship Depth Leader

growth
#397 of 1006 • Top 14.4% in tier

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

Why This Signature
AMR Growth (YoY): 29.14%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $1.7K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (7)

Indirect Auto Dependency

risk
#5 of 525 • Bottom 0.2% in tier

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

Why This Signature
Asset Growth (YoY): 6.83%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 45.01%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -19.03%
(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

Membership Headwinds

decline
#6 of 550 • Bottom 0.3% in tier

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

Why This Signature
Member Growth (YoY): -19.03%
(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 | Rank improving

Credit Quality Pressure

risk
#119 of 736 • Bottom 4.8% in tier

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

Why This Signature
Delinquency Change (YoY): 0.57% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | New qualifier

Efficiency Drag

risk
#123 of 521 • Bottom 6.9% in tier

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

Why This Signature
Efficiency Ratio: 97.63%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.04% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): -19.03%
(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

Growth-at-Risk

risk
#132 of 446 • Bottom 8.8% in tier

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

Why This Signature
Loan Growth (YoY): 4.53%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.57% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 1077 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | New qualifier

Liquidity Strain

risk
#183 of 258 • Bottom 23.5% in tier

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

Why This Signature
Loan-to-Share Ratio: 92.41%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 4.53%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
258 of 1077 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | Rank improving

Stagnation Risk

risk
#396 of 550 • Bottom 24.0% 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: -0.35%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -19.03%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $18.6K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 20.03%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 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 (8 metrics)

6
AMR Growth Rate
growth
Value: 29.14%
Peer Avg: 3.64%
#6 of 1077 Top 0.5% in 100M-500M tier
31
Total Members
engagement
Value: 36,811
Peer Avg: 15,628
#31 of 1077 Top 2.8% in 100M-500M tier
36
Total Loans
balance_sheet
Value: $329.01M
Peer Avg: $147.80M
#36 of 1077 Top 3.2% in 100M-500M tier
93
Total Assets
balance_sheet
Value: $414.10M
Peer Avg: $231.30M
#93 of 1077 Top 8.5% in 100M-500M tier
98
Total Deposits
balance_sheet
Value: $356.05M
Peer Avg: $200.29M
#98 of 1077 Top 9.0% in 100M-500M tier
120
Loan-to-Share Ratio
balance_sheet
Value: 92.41%
Peer Avg: 72.70%
#120 of 1077 Top 11.0% in 100M-500M tier
184
Fee Income Per Member
profitability
Value: $235.44
Peer Avg: $174.31
#184 of 1077 Top 17.0% in 100M-500M tier
253
Members Per Employee (MPE)
engagement
Value: 383.448
Peer Avg: 332.881
#253 of 1077 Top 23.4% in 100M-500M tier

Top Weaknesses (7 metrics)

1069
Member Growth Rate
growth
Value: -19.03%
Peer Avg: 0.72%
#1069 of 1077 Bottom 0.8% in 100M-500M tier
1049
Return on Assets (ROA)
profitability
Value: -0.35%
Peer Avg: 0.79%
#1049 of 1077 Bottom 2.7% in 100M-500M tier
1040
Efficiency Ratio
profitability
Value: 97.63%
Peer Avg: 77.28%
#1040 of 1077 Bottom 3.5% in 100M-500M tier
1018
Indirect Auto Concentration (%)
balance_sheet
Value: 45.01%
Peer Avg: 13.34%
#1018 of 1077 Bottom 5.6% in 100M-500M tier
941
Net Charge-Off Rate
risk
Value: 0.87%
Peer Avg: 0.47%
#941 of 1077 Bottom 12.7% in 100M-500M tier
896
Net Worth Ratio
risk
Value: 9.24%
Peer Avg: 12.15%
#896 of 1077 Bottom 16.9% in 100M-500M tier
875
Total Delinquency Rate (60+ days)
risk
Value: 1.32%
Peer Avg: 0.86%
#875 of 1077 Bottom 18.8% in 100M-500M tier