ARISE COMMUNITY

Charter #68740 | MN

<100M (2596 CUs) Micro
38 <100M in MN

ARISE COMMUNITY has 9 strengths but faces 13 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 1.50% above tier average
  • + Strong member growth: 6500.0% YoY
  • + Total Delinquency Rate (60+ days): Top 0.0% in tier
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + First Mortgage Concentration (%): Top 0.0% in tier
  • + Fee Income Per Member: Top 0.0% in tier
  • + Member Growth Rate: Top 0.1% in tier
  • + Net Worth Ratio: Top 0.1% in tier
  • + Net Charge-Off Rate: Top 9.4% in tier

Key Concerns

Areas that may need attention

  • - Efficiency ratio 12.47% above tier (higher cost structure)
  • - Loan Growth Rate: Bottom 0.0% in tier
  • - Deposit Growth Rate: Bottom 0.0% in tier
  • - AMR Growth Rate: Bottom 0.0% in tier
  • - Total Deposits: Bottom 0.3% in tier
  • - Average Member Relationship (AMR): Bottom 0.3% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 0.5% in tier
  • - Total Loans: Bottom 0.5% in tier
  • - Loan-to-Share Ratio: Bottom 0.6% in tier
  • - Total Members: Bottom 0.7% in tier
  • - Members Per Employee (MPE): Bottom 3.5% in tier
  • - Net Interest Margin (NIM): Bottom 5.8% in tier
  • - Total Assets: Bottom 6.5% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Members 66
+6500.0% YoY+127.6% QoQ
 -2.6K 2,625
-2.2% YoY
 26,738
+5.8% YoY
 33,089
+6.1% YoY
 Bottom 0.6% in tier
Assets $1.1M
-2.8% YoY-6.0% QoQ
 $-28.7M $29.9M
+1.1% YoY
 $521.2M
+7.2% YoY
 $547.7M
+7.8% YoY
 Bottom 6.4% in tier
Loans $90.0
+1700.0% QoQ
 $-15.8M $15.8M
-2.4% YoY
 $373.7M
+9.3% YoY
 $388.7M
+8.6% YoY
 Bottom 0.5% in tier
Deposits $19,296
+39279.6% QoQ
 $-25.4M $25.5M
+0.4% YoY
 $429.0M
+9.5% YoY
 $464.6M
+9.3% YoY
 Bottom 0.3% in tier
ROA 2.2%
-98.3% YoY-88.7% QoQ
 +1.5% 0.7%
-731.4% YoY
 1.4%
-35.4% YoY
 0.7%
+273.4% YoY
 Top 6.5% in tier
NIM 2.4%
+356.2% YoY+4.3% QoQ
 -1.6% 3.9%
+3.8% YoY
 3.7%
+9.1% YoY
 3.7%
+5.0% YoY
 Bottom 5.8% in tier
Efficiency Ratio 93.9%
+888.2% YoY+48.9% QoQ
 +12.5% 81.4%
-2.4% YoY
 74.2%
-2.5% YoY
 79.1%
-3.3% YoY
 Top 17.8% in tier
Delinquency Rate 0.0% -1.5 1.5%
-2.0% YoY
 0.9%
+10.7% YoY
 1.2%
-0.9% YoY
 Bottom 0.0% in tier
Loan To Share 0.5%
-95.4% QoQ
 -60.8% 61.2%
-3.0% YoY
 77.1%
-1.5% YoY
 68.0%
-1.7% YoY
 Bottom 0.4% in tier
AMR $293.7
+15674.2% QoQ
 $-14K $14,627
-2.7% YoY
 $23,275
+3.9% YoY
 $19,418
+1.3% YoY
 Bottom 0.3% in tier
CD Concentration 6.8% -17.6% 24.4%
+4.2% YoY
 22.0%
+1.9% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 6.6%
-8.5% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2596 peers in tier

Top Strengths (8 metrics)

1
Total Delinquency Rate (60+ days)
risk
Value: 0.00%
Peer Avg: 1.51%
#1 of 2596 Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 2.84%
#1 of 2596 Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 14.49%
#1 of 2596 Top 0.0% in <100M tier
2
Fee Income Per Member
profitability
Value: $5,908
Peer Avg: $182.96
#2 of 2596 Top 0.0% in <100M tier
3
Member Growth Rate
growth
Value: 6500.00%
Peer Avg: 14.92%
#3 of 2596 Top 0.1% in <100M tier
4
Net Worth Ratio
risk
Value: 96.99%
Peer Avg: 16.43%
#4 of 2596 Top 0.1% in <100M tier
169
Return on Assets (ROA)
profitability
Value: 2.18%
Peer Avg: 0.68%
#169 of 2596 Top 6.5% in <100M tier
246
Net Charge-Off Rate
risk
Value: 0.00%
Peer Avg: 0.57%
#246 of 2596 Top 9.4% in <100M tier

Top Weaknesses (14 metrics)

2596
Loan Growth Rate
growth
Value: -
Peer Avg: 59.01%
#2596 of 2596 Bottom 0.0% in <100M tier
2596
Deposit Growth Rate
growth
Value: -
Peer Avg: 16.80%
#2596 of 2596 Bottom 0.0% in <100M tier
2596
AMR Growth Rate
growth
Value: -
Peer Avg: 4.67%
#2596 of 2596 Bottom 0.0% in <100M tier
2589
Total Deposits
balance_sheet
Value: $19,296
Peer Avg: $25.45M
#2589 of 2596 Bottom 0.3% in <100M tier
2588
Average Member Relationship (AMR)
engagement
Value: $293.73
Peer Avg: $14,627
#2588 of 2596 Bottom 0.3% in <100M tier
2583
Loan-to-Member Ratio (LMR)
engagement
Value: $1.36
Peer Avg: $5,488
#2583 of 2596 Bottom 0.5% in <100M tier
2583
Total Loans
balance_sheet
Value: $90.00
Peer Avg: $15.77M
#2583 of 2596 Bottom 0.5% in <100M tier
2581
Loan-to-Share Ratio
balance_sheet
Value: 0.47%
Peer Avg: 61.23%
#2581 of 2596 Bottom 0.6% in <100M tier
2580
Total Members
engagement
Value: 66
Peer Avg: 2,626
#2580 of 2596 Bottom 0.7% in <100M tier
2507
Members Per Employee (MPE)
engagement
Value: 22.000
Peer Avg: 365.701
#2507 of 2596 Bottom 3.5% in <100M tier