OZARK

Charter #7641 | MO

100M-500M (1077 CUs) Micro
24 100M-500M in MO

OZARK has 12 strengths but faces 4 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 0.5% in tier
  • + Organic Growth Engine: Top 1.6% in tier
  • + Wallet Share Momentum: Top 33.7% in tier
  • + Relationship Depth Leader: Top 36.1% in tier
  • + ROA 0.67% above tier average
  • + Net Interest Margin 1.40% above tier average
  • + Strong member growth: 21.3% YoY
  • + Asset Growth Rate: Top 1.8% in tier
  • + Deposit Growth Rate: Top 1.9% in tier
  • + Member Growth Rate: Top 2.0% in tier
  • + Loan Growth Rate: Top 3.1% in tier
  • + Total Delinquency Rate (60+ days): Top 8.8% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 16.2% in tier
  • - Margin Compression: Bottom 17.0% in tier
  • - Average Member Relationship (AMR): Bottom 1.0% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 7.4% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Members 19,585
+21.3% YoY+16.8% QoQ
 +4.0K 15,628
-3.4% YoY
 15,920
+4.0% YoY
 33,089
+6.1% YoY
 74th in tier
Assets $136.4M
+25.2% YoY+14.4% QoQ
 $-94.9M $231.3M
-0.0% YoY
 $210.9M
+9.4% YoY
 $547.7M
+7.8% YoY
 Bottom 23.9% in tier
Loans $102.9M
+21.4% YoY+19.0% QoQ
 $-44.8M $147.8M
-1.4% YoY
 $147.8M
+9.0% YoY
 $388.7M
+8.6% YoY
 36th in tier
Deposits $120.0M
+24.3% YoY+14.4% QoQ
 $-80.3M $200.3M
-0.0% YoY
 $183.9M
+12.2% YoY
 $464.6M
+9.3% YoY
 26th in tier
ROA 1.5%
-10.7% YoY+4.6% QoQ
 +0.7% 0.8%
+15.5% YoY
 0.6%
+117.2% YoY
 0.7%
+273.4% YoY
 Top 13.7% in tier
NIM 5.0%
+5.0% YoY+9.2% QoQ
 +1.4% 3.6%
+6.9% YoY
 3.8%
+3.2% YoY
 3.7%
+5.0% YoY
 Top 2.8% in tier
Efficiency Ratio 73.8%
+4.3% YoY+1.3% QoQ
 -3.4% 77.3%
-3.0% YoY
 78.5%
-6.5% YoY
 79.1%
-3.3% YoY
 37th in tier
Delinquency Rate 0.2%
-51.3% YoY-44.3% QoQ
 -0.7 0.9%
+7.6% YoY
 1.2%
+9.9% YoY
 1.2%
-0.9% YoY
 Bottom 8.8% in tier
Loan To Share 85.8%
-2.4% YoY+4.0% QoQ
 +13.1% 72.7%
-1.5% YoY
 72.3%
-3.7% YoY
 68.0%
-1.7% YoY
 Top 23.6% in tier
AMR $11,383
+1.4% YoY-0.2% QoQ
 $-13K $24,363
+2.9% YoY
 $16,810
+3.4% YoY
 $19,418
+1.3% YoY
 Bottom 0.9% in tier
CD Concentration 19.9%
-5.5% YoY-8.4% QoQ
 -4.5% 24.4%
+4.2% YoY
 18.1%
+9.5% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 20.6%
-26.4% YoY-17.9% QoQ
 +6.6% 14.0%
-5.8% YoY
 10.3%
-9.1% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (4)

Emerging Performer

growth
#11 of 627 • Top 0.5% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 1.45%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): 21.29%
(Tier: 0.88%, National: 9.37%)
better than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank improving

Organic Growth Engine

growth
#30 of 603 • Top 1.6% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 21.29%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 1.45%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 20.58%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Wallet Share Momentum

growth
#930 of 1006 • Top 33.7% in tier

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

Why This Signature
AMR Growth (YoY): 1.37%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#997 of 1006 • Top 36.1% in tier

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

Why This Signature
AMR Growth (YoY): 1.37%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $1.5K
(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 | Rank worsening

Concerns (2)

Indirect Auto Dependency

risk
#262 of 525 • Bottom 16.2% in tier

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

Why This Signature
Asset Growth (YoY): 25.25%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 20.58%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 21.29%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank improving

Margin Compression

decline
#72 of 136 • Bottom 17.0% in tier

Strong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.

Why This Signature
Return on Assets: 1.45%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
ROA Change (YoY): -0.17% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Total Assets: $136.41M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
136 of 1077 Community CUs have this signature | 169 nationally
↓ Shrinking -43 CUs YoY | New qualifier

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)

20
Asset Growth Rate
growth
Value: 25.25%
Peer Avg: 4.70%
#20 of 1077 Top 1.8% in 100M-500M tier
21
Deposit Growth Rate
growth
Value: 24.34%
Peer Avg: 4.69%
#21 of 1077 Top 1.9% in 100M-500M tier
23
Member Growth Rate
growth
Value: 21.29%
Peer Avg: 0.72%
#23 of 1077 Top 2.0% in 100M-500M tier
30
Net Interest Margin (NIM)
profitability
Value: 4.99%
Peer Avg: 3.58%
#30 of 1077 Top 2.7% in 100M-500M tier
34
Loan Growth Rate
growth
Value: 21.36%
Peer Avg: 3.45%
#34 of 1077 Top 3.1% in 100M-500M tier
96
Total Delinquency Rate (60+ days)
risk
Value: 0.17%
Peer Avg: 0.86%
#96 of 1077 Top 8.8% in 100M-500M tier
148
Return on Assets (ROA)
profitability
Value: 1.45%
Peer Avg: 0.79%
#148 of 1077 Top 13.6% in 100M-500M tier
254
Loan-to-Share Ratio
balance_sheet
Value: 85.80%
Peer Avg: 72.70%
#254 of 1077 Top 23.5% in 100M-500M tier

Top Weaknesses (3 metrics)

1067
Average Member Relationship (AMR)
engagement
Value: $11,383
Peer Avg: $24,363
#1067 of 1077 Bottom 1.0% in 100M-500M tier
998
Loan-to-Member Ratio (LMR)
engagement
Value: $5,256
Peer Avg: $10,245
#998 of 1077 Bottom 7.4% in 100M-500M tier
820
Total Assets
balance_sheet
Value: $136.41M
Peer Avg: $231.30M
#820 of 1077 Bottom 24.0% in 100M-500M tier