RIZE

Charter #7835 | CA

1B-3B (304 CUs) Mid-Market (380 CUs)
40 1B-3B in CA

RIZE has 7 strengths but faces 4 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 3.8% in tier
  • + Emerging Performer: Top 15.9% in tier
  • + Organic Growth Engine: Top 17.8% in tier
  • + Net Interest Margin 0.18% above tier average
  • + Strong member growth: 9.1% YoY
  • + First Mortgage Concentration (%): Top 3.6% in tier
  • + Member Growth Rate: Top 5.6% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 16.0% in tier
  • - Shrinking Wallet Share: Bottom 25.1% in tier
  • - ROA 0.48% below tier average
  • - Efficiency ratio 4.93% above tier (higher cost structure)

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 78,142
+9.1% YoY+3.3% QoQ
 -20.5K 98,678
-1.9% YoY
 59,606
+5.7% YoY
 33,089
+6.1% YoY
 38th in tier
Assets $1.2B
+7.8% YoY+0.0% QoQ
 $-474.0M $1.7B
+0.5% YoY
 $1.2B
+6.2% YoY
 $547.7M
+7.8% YoY
 26th in tier
Loans $956.7M
+11.7% YoY+2.7% QoQ
 $-276.4M $1.2B
+0.5% YoY
 $845.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 34th in tier
Deposits $1.0B
+4.9% YoY-0.2% QoQ
 $-435.6M $1.5B
+1.3% YoY
 $1.0B
+8.8% YoY
 $464.6M
+9.3% YoY
 Bottom 20.1% in tier
ROA 0.2%
-38.9% YoY-37.5% QoQ
 -0.5% 0.7%
+13.4% YoY
 0.6%
+30.0% YoY
 0.7%
+273.4% YoY
 Bottom 9.2% in tier
NIM 3.4%
+9.1% YoY+3.2% QoQ
 +0.2% 3.3%
+9.3% YoY
 3.3%
+6.5% YoY
 3.7%
+5.0% YoY
 60th in tier
Efficiency Ratio 78.9%
-0.4% YoY+0.7% QoQ
 +4.9% 74.0%
-10.9% YoY
 79.3%
-6.2% YoY
 79.1%
-3.3% YoY
 68th in tier
Delinquency Rate 0.6%
-6.2% YoY+16.2% QoQ
 -0.2 0.8%
+6.1% YoY
 0.7%
-38.7% YoY
 1.2%
-0.9% YoY
 46th in tier
Loan To Share 93.9%
+6.5% YoY+3.0% QoQ
 +8.7% 85.2%
-0.8% YoY
 68.8%
-1.5% YoY
 68.0%
-1.7% YoY
 70th in tier
AMR $25,279
-0.9% YoY-2.1% QoQ
 $-4K $29,172
+2.8% YoY
 $28,514
+2.8% YoY
 $19,418
+1.3% YoY
 37th in tier
CD Concentration 27.6%
+8.7% YoY+1.5% QoQ
 -1.4% 29.0%
+0.8% YoY
 21.7%
+4.2% YoY
 19.6%
+6.2% YoY
 45th in tier
Indirect Auto % 13.1%
-12.1% YoY-1.3% QoQ
 -5.6% 18.8%
-2.8% YoY
 9.5%
-6.9% YoY
 7.9%
-2.9% YoY
 42nd in tier

Signature Analysis

Strengths (3)

Organic Growth Leader

growth
#16 of 138 • Top 3.8% in tier

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

Why This Signature
Member Growth (YoY): 9.11%
(Tier: 3.18%, National: 9.37%)
better than tier avg
138 of 380 Mid-Market CUs have this signature | 608 nationally
↑ Growing +11 CUs YoY | Rank improving

Emerging Performer

growth
#85 of 184 • Top 15.9% in tier

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

Why This Signature
Return on Assets: 0.22%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): 9.11%
(Tier: 3.18%, National: 9.37%)
better than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | Rank improving

Organic Growth Engine

growth
#130 of 246 • Top 17.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 9.11%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 0.22%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 13.15%
(Tier: 18.80%, National: 7.90%)
better than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank worsening

Concerns (2)

Liquidity Strain

risk
#85 of 183 • Bottom 16.0% in tier

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

Why This Signature
Loan-to-Share Ratio: 93.91%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 11.70%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY | New qualifier

Shrinking Wallet Share

decline
#77 of 83 • Bottom 25.1% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -0.94%
(Tier: 3.04%, National: 4.19%)
worse than tier avg
83 of 380 Mid-Market CUs have this signature | 346 nationally
↓ Shrinking -55 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 304 peers in tier

Top Strengths (5 metrics)

12
First Mortgage Concentration (%)
balance_sheet
Value: 11.65%
Peer Avg: 34.01%
#12 of 304 Top 3.6% in 1B-3B tier
18
Member Growth Rate
growth
Value: 9.11%
Peer Avg: 2.20%
#18 of 304 Top 5.6% in 1B-3B tier
40
Loan Growth Rate
growth
Value: 11.70%
Peer Avg: 5.27%
#40 of 304 Top 12.8% in 1B-3B tier
70
Asset Growth Rate
growth
Value: 7.78%
Peer Avg: 4.83%
#70 of 304 Top 22.7% in 1B-3B tier
70
Members Per Employee (MPE)
engagement
Value: 415.649
Peer Avg: 364.953
#70 of 304 Top 22.7% in 1B-3B tier

Top Weaknesses (3 metrics)

276
Return on Assets (ROA)
profitability
Value: 0.22%
Peer Avg: 0.70%
#276 of 304 Bottom 9.5% in 1B-3B tier
243
AMR Growth Rate
growth
Value: -0.94%
Peer Avg: 3.29%
#243 of 304 Bottom 20.4% in 1B-3B tier
243
Total Deposits
balance_sheet
Value: $1.02B
Peer Avg: $1.45B
#243 of 304 Bottom 20.4% in 1B-3B tier