EXCEL

Charter #7825 | GA

100M-500M (1077 CUs) Micro
20 100M-500M in GA

EXCEL has 5 strengths but faces 10 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 20.2% in tier
  • + ROA 0.08% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Fee Income Per Member: Top 0.5% in tier
  • + Loan-to-Share Ratio: Top 3.2% in tier

Key Concerns

Areas that may need attention

  • - Capital Constraint: Bottom 2.3% in tier
  • - Deposit Outflow: Bottom 4.8% in tier
  • - Liquidity Strain: Bottom 7.0% in tier
  • - Efficiency Drag: Bottom 14.4% in tier
  • - Margin Compression: Bottom 22.2% in tier
  • - Stagnation Risk: Bottom 25.8% in tier
  • - Membership Headwinds: Bottom 29.2% in tier
  • - Liquidity Overhang: Bottom 34.4% in tier
  • - Efficiency ratio 8.36% above tier (higher cost structure)
  • - Deposit Growth Rate: Bottom 1.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Members 11,370
-0.9% YoY-0.2% QoQ
 -4.3K 15,628
-3.4% YoY
 30,529
+3.7% YoY
 33,089
+6.1% YoY
 37th in tier
Assets $172.2M
-1.9% YoY+1.0% QoQ
 $-59.1M $231.3M
-0.0% YoY
 $489.5M
+5.8% YoY
 $547.7M
+7.8% YoY
 40th in tier
Loans $110.1M
+7.2% YoY+1.3% QoQ
 $-37.7M $147.8M
-1.4% YoY
 $335.0M
+9.2% YoY
 $388.7M
+8.6% YoY
 41st in tier
Deposits $111.3M
-7.8% YoY-3.2% QoQ
 $-89.0M $200.3M
-0.0% YoY
 $419.7M
+4.9% YoY
 $464.6M
+9.3% YoY
 Bottom 18.7% in tier
ROA 0.9%
-26.1% YoY-5.3% QoQ
 +0.1% 0.8%
+15.5% YoY
 1.1%
+41.8% YoY
 0.7%
+273.4% YoY
 57th in tier
NIM 3.4%
+10.5% YoY+1.4% QoQ
 -0.2% 3.6%
+6.9% YoY
 4.2%
+4.4% YoY
 3.7%
+5.0% YoY
 39th in tier
Efficiency Ratio 85.6%
+8.2% YoY+2.1% QoQ
 +8.4% 77.3%
-3.0% YoY
 76.7%
+1.1% YoY
 79.1%
-3.3% YoY
 Top 21.7% in tier
Delinquency Rate 0.7%
-23.6% YoY-17.6% QoQ
 -0.1 0.9%
+7.6% YoY
 1.3%
+2.5% YoY
 1.2%
-0.9% YoY
 54th in tier
Loan To Share 98.9%
+16.2% YoY+4.7% QoQ
 +26.2% 72.7%
-1.5% YoY
 72.3%
+1.1% YoY
 68.0%
-1.7% YoY
 Top 3.3% in tier
AMR $19,465
+0.0% YoY-0.8% QoQ
 $-5K $24,363
+2.9% YoY
 $17,296
+4.1% YoY
 $19,418
+1.3% YoY
 32nd in tier
CD Concentration 25.5%
+9.9% YoY+2.3% QoQ
 +1.1% 24.4%
+4.2% YoY
 19.9%
+4.7% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 4.6%
+4.3% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (1)

Emerging Performer

growth
#380 of 627 • Top 20.2% in tier

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

Why This Signature
Return on Assets: 0.86%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): -0.93%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank worsening

Concerns (8)

Capital Constraint

risk
#3 of 18 • Bottom 2.3% 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: 98.93%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Deposit Growth (YoY): -7.81%
(Tier: 4.79%, National: 12.00%)
worse than tier avg
Net Worth Ratio: 12.71%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
18 of 1077 Community CUs have this signature | 29 nationally
↓ Shrinking -33 CUs YoY | New qualifier

Deposit Outflow

decline
#29 of 114 • Bottom 4.8% in tier

Members staying but deposits leaving. They're losing to higher-yield competitors - rate pressure is real.

Why This Signature
Deposit Growth (YoY): -7.81%
(Tier: 4.79%, National: 12.00%)
worse than tier avg
Total Assets: $172.21M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
114 of 1077 Community CUs have this signature | 143 nationally
↓ Shrinking -169 CUs YoY | New qualifier

Liquidity Strain

risk
#55 of 258 • Bottom 7.0% in tier

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

Why This Signature
Loan-to-Share Ratio: 98.93%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 7.16%
(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 | New qualifier

Efficiency Drag

risk
#255 of 521 • Bottom 14.4% in tier

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

Why This Signature
Efficiency Ratio: 85.64%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.30% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): -0.93%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | New qualifier

Margin Compression

decline
#94 of 136 • Bottom 22.2% in tier

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

Why This Signature
Return on Assets: 0.86%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
ROA Change (YoY): -0.30% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Total Assets: $172.21M
(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

Stagnation Risk

risk
#425 of 550 • Bottom 25.8% 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: 0.86%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -0.93%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $19.5K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 25.52%
(Tier: 24.41%, National: 19.60%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Membership Headwinds

decline
#481 of 550 • Bottom 29.2% in tier

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

Why This Signature
Member Growth (YoY): -0.93%
(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 worsening

Liquidity Overhang

risk
#533 of 552 • Bottom 34.4% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 12.71%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 98.93%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 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 (3 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
6
Fee Income Per Member
profitability
Value: $561.41
Peer Avg: $174.31
#6 of 1077 Top 0.5% in 100M-500M tier
36
Loan-to-Share Ratio
balance_sheet
Value: 98.93%
Peer Avg: 72.70%
#36 of 1077 Top 3.2% in 100M-500M tier

Top Weaknesses (5 metrics)

1057
Deposit Growth Rate
growth
Value: -7.81%
Peer Avg: 4.69%
#1057 of 1077 Bottom 1.9% in 100M-500M tier
967
Asset Growth Rate
growth
Value: -1.89%
Peer Avg: 4.70%
#967 of 1077 Bottom 10.3% in 100M-500M tier
876
Total Deposits
balance_sheet
Value: $111.26M
Peer Avg: $200.29M
#876 of 1077 Bottom 18.8% in 100M-500M tier
844
Efficiency Ratio
profitability
Value: 85.64%
Peer Avg: 77.28%
#844 of 1077 Bottom 21.7% in 100M-500M tier
842
AMR Growth Rate
growth
Value: 0.00%
Peer Avg: 3.64%
#842 of 1077 Bottom 21.9% in 100M-500M tier