ARLINGTON COMMUNITY

Charter #7573 | VA

500M-750M (169 CUs) Community (281 CUs)
6 500M-750M in VA

ARLINGTON COMMUNITY has 8 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 6.4% in tier
  • + Relationship Depth Leader: Top 8.7% in tier
  • + Wallet Share Momentum: Top 17.5% in tier
  • + Organic Growth Engine: Top 19.0% in tier
  • + Fee Income Per Member: Top 7.7% in tier
  • + Loan-to-Member Ratio (LMR): Top 8.3% in tier
  • + Deposit Growth Rate: Top 8.9% in tier
  • + Average Member Relationship (AMR): Top 8.9% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 13.7% in tier
  • - Liquidity Strain: Bottom 18.5% in tier
  • - ROA 0.39% below tier average
  • - Efficiency ratio 6.86% above tier (higher cost structure)
  • - Share Certificate Concentration (%): Bottom 1.8% in tier
  • - Net Worth Ratio: Bottom 4.7% in tier
  • - Total Members: Bottom 7.7% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Members 25,135
+4.8% YoY+1.1% QoQ
 -14.6K 39,752
-2.7% YoY
 220,190
+7.3% YoY
 33,089
+6.1% YoY
 Bottom 7.1% in tier
Assets $527.6M
+4.7% YoY-0.4% QoQ
 $-94.8M $622.4M
+0.3% YoY
 $2.9B
+6.5% YoY
 $547.7M
+7.8% YoY
 Bottom 12.4% in tier
Loans $443.6M
+8.0% YoY-0.4% QoQ
 +$7.6M $435.9M
-0.4% YoY
 $2.1B
+5.3% YoY
 $388.7M
+8.6% YoY
 52nd in tier
Deposits $477.2M
+12.1% YoY+0.6% QoQ
 $-60.8M $538.0M
+1.3% YoY
 $2.4B
+8.1% YoY
 $464.6M
+9.3% YoY
 Bottom 21.9% in tier
ROA 0.3%
-2.1% YoY-12.8% QoQ
 -0.4% 0.7%
+33.9% YoY
 0.7%
+11.3% YoY
 0.7%
+273.4% YoY
 Bottom 23.1% in tier
NIM 3.4%
-0.3% YoY+2.1% QoQ
 -0.1% 3.4%
+8.6% YoY
 3.9%
+2.0% YoY
 3.7%
+5.0% YoY
 44th in tier
Efficiency Ratio 85.0%
+0.1% YoY+4.0% QoQ
 +6.9% 78.1%
-3.4% YoY
 80.4%
+0.4% YoY
 79.1%
-3.3% YoY
 Top 22.5% in tier
Delinquency Rate 0.6%
-4.2% YoY-15.0% QoQ
 -0.2 0.8%
-4.9% YoY
 1.7%
+32.7% YoY
 1.2%
-0.9% YoY
 42nd in tier
Loan To Share 93.0%
-3.6% YoY-1.0% QoQ
 +11.9% 81.0%
-1.8% YoY
 66.7%
-4.2% YoY
 68.0%
-1.7% YoY
 Top 20.1% in tier
AMR $36,632
+5.0% YoY-0.9% QoQ
 +$10K $26,482
+2.6% YoY
 $18,613
+1.9% YoY
 $19,418
+1.3% YoY
 Top 9.5% in tier
CD Concentration 48.5%
+6.1% YoY+0.9% QoQ
 +24.1% 24.4%
+4.2% YoY
 18.8%
+3.1% YoY
 19.6%
+6.2% YoY
 Top 2.1% in tier
Indirect Auto % 1.8%
+241.8% YoY-9.5% QoQ
 -12.2% 14.0%
-5.8% YoY
 9.7%
-0.5% YoY
 7.9%
-2.9% YoY
 38th in tier

Signature Analysis

Strengths (4)

Organic Growth Leader

growth
#85 of 430 • Top 6.4% in tier

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

Why This Signature
Member Growth (YoY): 4.84%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 281 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | New qualifier

Relationship Depth Leader

growth
#240 of 1006 • Top 8.7% in tier

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

Why This Signature
AMR Growth (YoY): 4.98%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.5K
(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
#484 of 1006 • Top 17.5% in tier

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

Why This Signature
AMR Growth (YoY): 4.98%
(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
#349 of 603 • Top 19.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 4.84%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.26%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 1.75%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Concerns (2)

Efficiency Drag

risk
#243 of 521 • Bottom 13.7% in tier

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

Why This Signature
Efficiency Ratio: 84.96%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.01% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): 4.84%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
521 of 281 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank improving

Liquidity Strain

risk
#144 of 258 • Bottom 18.5% in tier

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

Why This Signature
Loan-to-Share Ratio: 92.95%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 7.98%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
258 of 281 Community CUs have this signature | 484 nationally
↓ Shrinking -28 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 169 peers in tier

Top Strengths (6 metrics)

14
Fee Income Per Member
profitability
Value: $318.92
Peer Avg: $199.27
#14 of 169 Top 7.7% in 500M-750M tier
15
Loan-to-Member Ratio (LMR)
engagement
Value: $17,647
Peer Avg: $11,805
#15 of 169 Top 8.3% in 500M-750M tier
16
Deposit Growth Rate
growth
Value: 12.07%
Peer Avg: 5.25%
#16 of 169 Top 8.9% in 500M-750M tier
16
Average Member Relationship (AMR)
engagement
Value: $36,632
Peer Avg: $26,482
#16 of 169 Top 8.9% in 500M-750M tier
20
Member Growth Rate
growth
Value: 4.84%
Peer Avg: 1.75%
#20 of 169 Top 11.2% in 500M-750M tier
34
Loan-to-Share Ratio
balance_sheet
Value: 92.95%
Peer Avg: 81.02%
#34 of 169 Top 19.5% in 500M-750M tier

Top Weaknesses (8 metrics)

167
Share Certificate Concentration (%)
balance_sheet
Value: 48.54%
Peer Avg: 26.87%
#167 of 169 Bottom 1.8% in 500M-750M tier
162
Net Worth Ratio
risk
Value: 7.93%
Peer Avg: 10.94%
#162 of 169 Bottom 4.7% in 500M-750M tier
157
Total Members
engagement
Value: 25,135
Peer Avg: 39,752
#157 of 169 Bottom 7.7% in 500M-750M tier
148
Total Assets
balance_sheet
Value: $527.55M
Peer Avg: $622.38M
#148 of 169 Bottom 13.0% in 500M-750M tier
134
Members Per Employee (MPE)
engagement
Value: 259.124
Peer Avg: 338.010
#134 of 169 Bottom 21.3% in 500M-750M tier
132
Efficiency Ratio
profitability
Value: 84.96%
Peer Avg: 78.10%
#132 of 169 Bottom 22.5% in 500M-750M tier
132
Total Deposits
balance_sheet
Value: $477.19M
Peer Avg: $538.02M
#132 of 169 Bottom 22.5% in 500M-750M tier
130
Return on Assets (ROA)
profitability
Value: 0.26%
Peer Avg: 0.66%
#130 of 169 Bottom 23.7% in 500M-750M tier