PARTNERS 1ST
Charter #7688 | IN
500M-750M
(169 CUs)
Community
($500M-$1B)
(281 CUs)
5 500M-750M in IN
PARTNERS 1ST has 1 strength but faces 13 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.03% above tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 2.5% in tier
- - Efficiency Drag: Bottom 9.9% in tier
- - Indirect Auto Dependency: Bottom 13.5% in tier
- - Capital Constraint: Bottom 17.2% in tier
- - Membership Headwinds: Bottom 19.6% in tier
- - Institutional Decline: Bottom 22.9% in tier
- - Liquidity Strain: Bottom 27.3% in tier
- - Stagnation Risk: Bottom 29.2% in tier
- - ROA 0.39% below tier average
- - Efficiency ratio 15.68% above tier (higher cost structure)
- - Indirect Auto Concentration (%): Bottom 4.7% in tier
- - Deposit Growth Rate: Bottom 7.1% in tier
- - Members Per Employee (MPE): Bottom 9.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
44,751
-2.0% YoY-0.3% QoQ
|
+5.0K |
39,752
-2.7% YoY
|
22,637
+3.1% YoY
|
33,089
+6.1% YoY
|
70th in tier |
| Assets |
$529.4M
-2.6% YoY-0.3% QoQ
|
$-92.9M |
$622.4M
+0.3% YoY
|
$383.9M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
Bottom 13.0% in tier |
| Loans |
$435.0M
-0.5% YoY+0.5% QoQ
|
$-996K |
$435.9M
-0.4% YoY
|
$276.9M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
48th in tier |
| Deposits |
$467.1M
-3.3% YoY-0.4% QoQ
|
$-71.0M |
$538.0M
+1.3% YoY
|
$323.0M
+10.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 13.6% in tier |
| ROA |
0.3%
-308.2% YoY+26.7% QoQ
|
-0.4% |
0.7%
+33.9% YoY
|
0.9%
+24.5% YoY
|
0.7%
+273.4% YoY
|
Bottom 23.7% in tier |
| NIM |
3.5%
+18.2% YoY+2.9% QoQ
|
+0.0% |
3.4%
+8.6% YoY
|
3.8%
+8.0% YoY
|
3.7%
+5.0% YoY
|
50th in tier |
| Efficiency Ratio |
93.8%
-4.4% YoY-1.3% QoQ
|
+15.7% |
78.1%
-3.4% YoY
|
77.7%
-3.5% YoY
|
79.1%
-3.3% YoY
|
Top 4.1% in tier |
| Delinquency Rate |
0.5%
-20.7% YoY-12.8% QoQ
|
-0.3 |
0.8%
-4.9% YoY
|
1.3%
+19.3% YoY
|
1.2%
-0.9% YoY
|
33rd in tier |
| Loan To Share |
93.1%
+2.9% YoY+0.9% QoQ
|
+12.1% |
81.0%
-1.8% YoY
|
69.6%
-2.1% YoY
|
68.0%
-1.7% YoY
|
Top 18.3% in tier |
| AMR |
$20,156
-0.0% YoY+0.4% QoQ
|
$-6K |
$26,482
+2.6% YoY
|
$18,326
+4.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 18.9% in tier |
| CD Concentration |
27.7%
+11.4% YoY+7.5% QoQ
|
+3.3% |
24.4%
+4.2% YoY
|
19.0%
+9.9% YoY
|
19.6%
+6.2% YoY
|
62nd in tier |
| Indirect Auto % |
47.0%
-0.6% YoY+1.4% QoQ
|
+33.0% |
14.0%
-5.8% YoY
|
11.0%
-3.5% YoY
|
7.9%
-2.9% YoY
|
Top 4.4% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (8)
Deposit Outflow
decline
#16 of 114 • Bottom 2.5% in tier
Members staying but deposits leaving. They're losing to higher-yield competitors - rate pressure is real.
Why This Signature
Deposit Growth (YoY):
-3.34%
(Tier:
4.79%, National:
12.00%)
Total Assets:
$529.45M
(Tier: $622.38M, National: $547.69M)
114 of 281 Community CUs have this signature
| 143 nationally
↓ Shrinking
-169 CUs YoY
Efficiency Drag
risk
#175 of 521 • Bottom 9.9% in tier
High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Why This Signature
Efficiency Ratio:
93.77%
(Tier:
77.15%, National:
79.10%)
ROA Change (YoY):
0.39% points
(Tier:
0.11% points, National:
0.05% points)
Member Growth (YoY):
-2.00%
(Tier:
0.88%, National:
9.37%)
521 of 281 Community CUs have this signature
| 624 nationally
↓ Shrinking
-113 CUs YoY
|
Rank worsening
Indirect Auto Dependency
risk
#217 of 525 • Bottom 13.5% in tier
Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Why This Signature
Asset Growth (YoY):
-2.62%
(Tier:
4.61%, National:
3.04%)
Indirect Auto %:
46.99%
(Tier:
13.96%, National:
7.90%)
Member Growth (YoY):
-2.00%
(Tier:
0.88%, National:
9.37%)
525 of 281 Community CUs have this signature
| 768 nationally
↓ Shrinking
-18 CUs YoY
|
Rank worsening
Capital Constraint
risk
#16 of 18 • Bottom 17.2% in tier
Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.
Why This Signature
Loan-to-Share Ratio:
93.12%
(Tier:
74.56%, National:
67.96%)
Deposit Growth (YoY):
-3.34%
(Tier:
4.79%, National:
12.00%)
Net Worth Ratio:
10.04%
(Tier:
11.95%, National:
14.51%)
18 of 281 Community CUs have this signature
| 29 nationally
↓ Shrinking
-33 CUs YoY
|
Rank improving
Membership Headwinds
decline
#323 of 550 • Bottom 19.6% in tier
Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Why This Signature
Member Growth (YoY):
-2.00%
(Tier:
0.88%, National:
9.37%)
550 of 281 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
Rank improving
Institutional Decline
decline
#181 of 256 • Bottom 22.9% in tier
Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Why This Signature
Total Assets:
$529.45M
(Tier: $622.38M, National: $547.69M)
Member Growth (YoY):
-2.00%
(Tier:
0.88%, National:
9.37%)
Loan Growth (YoY):
-0.51%
(Tier:
3.64%, National:
36.38%)
256 of 281 Community CUs have this signature
| 293 nationally
↓ Shrinking
-43 CUs YoY
|
Rank worsening
Liquidity Strain
risk
#212 of 258 • Bottom 27.3% in tier
Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Why This Signature
Loan-to-Share Ratio:
93.12%
(Tier:
74.56%, National:
67.96%)
Loan Growth (YoY):
-0.51%
(Tier:
3.64%, National:
36.38%)
258 of 281 Community CUs have this signature
| 484 nationally
↓ Shrinking
-28 CUs YoY
|
Rank improving
Stagnation Risk
risk
#482 of 550 • Bottom 29.2% 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:
0.27%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
-2.00%
(Tier:
0.88%, National:
9.37%)
Avg Member Relationship:
$20.2K
(Tier: $25.0K, National: $19.4K)
CD Concentration:
27.71%
(Tier:
24.41%, National:
19.60%)
550 of 281 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)
Top Strengths (2 metrics)
31
Loan-to-Share Ratio
balance_sheet
Value:
93.12%
Peer Avg: 81.02%
#31 of 169
Top 17.8% in 500M-750M tier
33
Net Charge-Off Rate
risk
Value:
0.17%
Peer Avg: 0.51%
#33 of 169
Top 18.9% in 500M-750M tier
Top Weaknesses (11 metrics)
163
Efficiency Ratio
profitability
Value:
93.77%
Peer Avg: 78.10%
#163 of 169
Bottom 4.1% in 500M-750M tier
162
Indirect Auto Concentration (%)
balance_sheet
Value:
46.99%
Peer Avg: 16.19%
#162 of 169
Bottom 4.7% in 500M-750M tier
158
Deposit Growth Rate
growth
Value:
-3.34%
Peer Avg: 5.25%
#158 of 169
Bottom 7.1% in 500M-750M tier
154
Members Per Employee (MPE)
engagement
Value:
239.310
Peer Avg: 338.010
#154 of 169
Bottom 9.5% in 500M-750M tier
148
Asset Growth Rate
growth
Value:
-2.62%
Peer Avg: 4.33%
#148 of 169
Bottom 13.0% in 500M-750M tier
147
Total Assets
balance_sheet
Value:
$529.45M
Peer Avg: $622.38M
#147 of 169
Bottom 13.6% in 500M-750M tier
146
Total Deposits
balance_sheet
Value:
$467.07M
Peer Avg: $538.02M
#146 of 169
Bottom 14.2% in 500M-750M tier
138
Member Growth Rate
growth
Value:
-2.00%
Peer Avg: 1.75%
#138 of 169
Bottom 18.9% in 500M-750M tier
137
Average Member Relationship (AMR)
engagement
Value:
$20,156
Peer Avg: $26,482
#137 of 169
Bottom 19.5% in 500M-750M tier
129
Return on Assets (ROA)
profitability
Value:
0.27%
Peer Avg: 0.66%
#129 of 169
Bottom 24.3% in 500M-750M tier