MARQUETTE COMMUNITY

Charter #7873 | MI

100M-500M (1077 CUs) Micro
67 100M-500M in MI

MARQUETTE COMMUNITY has 8 strengths but faces 11 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 9.7% in tier
  • + Relationship Depth Leader: Top 30.1% in tier
  • + Wallet Share Momentum: Top 34.8% in tier
  • + ROA 1.42% above tier average
  • + Net Interest Margin 0.59% above tier average
  • + Share Certificate Concentration (%): Top 1.9% in tier
  • + First Mortgage Concentration (%): Top 2.9% in tier
  • + Efficiency Ratio: Top 3.3% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 7.7% in tier
  • - Stagnation Risk: Bottom 9.2% in tier
  • - Liquidity Overhang: Bottom 9.5% in tier
  • - Deposit Outflow: Bottom 18.7% in tier
  • - Credit Quality Pressure: Bottom 19.1% in tier
  • - Membership Headwinds: Bottom 21.2% in tier
  • - Institutional Decline: Bottom 32.3% in tier
  • - Indirect Auto Concentration (%): Bottom 4.8% in tier
  • - Total Deposits: Bottom 5.1% in tier
  • - Total Assets: Bottom 7.2% in tier
  • - Total Loans: Bottom 8.1% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Members 8,250
-1.8% YoY+0.5% QoQ
 -7.4K 15,628
-3.4% YoY
 35,456
+8.6% YoY
 33,089
+6.1% YoY
 Bottom 17.6% in tier
Assets $110.4M
+1.7% YoY-1.4% QoQ
 $-120.9M $231.3M
-0.0% YoY
 $650.8M
+12.6% YoY
 $547.7M
+7.8% YoY
 Bottom 7.1% in tier
Loans $56.6M
-0.7% YoY+3.3% QoQ
 $-91.2M $147.8M
-1.4% YoY
 $461.6M
+14.9% YoY
 $388.7M
+8.6% YoY
 Bottom 8.0% in tier
Deposits $93.0M
-0.8% YoY-2.3% QoQ
 $-107.3M $200.3M
-0.0% YoY
 $550.3M
+12.5% YoY
 $464.6M
+9.3% YoY
 Bottom 5.0% in tier
ROA 2.2%
+11.1% YoY+4.7% QoQ
 +1.4% 0.8%
+15.5% YoY
 0.8%
-27.1% YoY
 0.7%
+273.4% YoY
 Top 1.8% in tier
NIM 4.2%
+4.6% YoY+1.5% QoQ
 +0.6% 3.6%
+6.9% YoY
 3.7%
+8.5% YoY
 3.7%
+5.0% YoY
 Top 18.3% in tier
Efficiency Ratio 53.2%
-2.7% YoY-2.7% QoQ
 -24.1% 77.3%
-3.0% YoY
 76.1%
-1.3% YoY
 79.1%
-3.3% YoY
 Bottom 3.3% in tier
Delinquency Rate 0.8%
+15.1% YoY-19.3% QoQ
 -0.0 0.9%
+7.6% YoY
 0.9%
-19.7% YoY
 1.2%
-0.9% YoY
 62nd in tier
Loan To Share 60.8%
+0.1% YoY+5.8% QoQ
 -11.9% 72.7%
-1.5% YoY
 68.1%
+0.3% YoY
 68.0%
-1.7% YoY
 Bottom 23.1% in tier
AMR $18,125
+1.0% YoY-0.7% QoQ
 $-6K $24,363
+2.9% YoY
 $22,054
+2.5% YoY
 $19,418
+1.3% YoY
 Bottom 23.4% in tier
CD Concentration 1.2%
-22.1% YoY+0.5% QoQ
 -23.2% 24.4%
+4.2% YoY
 18.6%
+6.0% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 46.2%
+5.3% YoY+5.2% QoQ
 +32.2% 14.0%
-5.8% YoY
 11.9%
-2.7% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Emerging Performer

growth
#182 of 627 • Top 9.7% in tier

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

Why This Signature
Return on Assets: 2.21%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): -1.77%
(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

Relationship Depth Leader

growth
#830 of 1006 • Top 30.1% in tier

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

Why This Signature
AMR Growth (YoY): 1.00%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $2.8K
(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

Wallet Share Momentum

growth
#961 of 1006 • Top 34.8% in tier

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

Why This Signature
AMR Growth (YoY): 1.00%
(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

Concerns (7)

Indirect Auto Dependency

risk
#125 of 525 • Bottom 7.7% in tier

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

Why This Signature
Asset Growth (YoY): 1.70%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 46.21%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -1.77%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank worsening

Stagnation Risk

risk
#152 of 550 • Bottom 9.2% 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: 2.21%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -1.77%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $18.1K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 1.21%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Liquidity Overhang

risk
#148 of 552 • Bottom 9.5% 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: 14.23%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 60.84%
(Tier: 74.56%, National: 67.96%)
worse than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank improving

Deposit Outflow

decline
#111 of 114 • Bottom 18.7% in tier

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

Why This Signature
Deposit Growth (YoY): -0.82%
(Tier: 4.79%, National: 12.00%)
worse than tier avg
Total Assets: $110.42M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
114 of 1077 Community CUs have this signature | 143 nationally
↓ Shrinking -169 CUs YoY | Rank worsening

Credit Quality Pressure

risk
#473 of 736 • Bottom 19.1% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.11% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank improving

Membership Headwinds

decline
#350 of 550 • Bottom 21.2% in tier

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

Why This Signature
Member Growth (YoY): -1.77%
(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 | New qualifier

Institutional Decline

decline
#255 of 256 • Bottom 32.3% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $110.42M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
Member Growth (YoY): -1.77%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -0.74%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
256 of 1077 Community CUs have this signature | 293 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 (7 metrics)

19
Return on Assets (ROA)
profitability
Value: 2.21%
Peer Avg: 0.79%
#19 of 1077 Top 1.7% in 100M-500M tier
22
Share Certificate Concentration (%)
balance_sheet
Value: 1.21%
Peer Avg: 23.61%
#22 of 1077 Top 1.9% in 100M-500M tier
32
First Mortgage Concentration (%)
balance_sheet
Value: 2.10%
Peer Avg: 30.43%
#32 of 1077 Top 2.9% in 100M-500M tier
37
Efficiency Ratio
profitability
Value: 53.21%
Peer Avg: 77.28%
#37 of 1077 Top 3.3% in 100M-500M tier
197
Net Interest Margin (NIM)
profitability
Value: 4.17%
Peer Avg: 3.58%
#197 of 1077 Top 18.2% in 100M-500M tier
212
Net Worth Ratio
risk
Value: 14.23%
Peer Avg: 12.15%
#212 of 1077 Top 19.6% in 100M-500M tier
251
Net Charge-Off Rate
risk
Value: 0.15%
Peer Avg: 0.47%
#251 of 1077 Top 23.2% in 100M-500M tier

Top Weaknesses (10 metrics)

1026
Indirect Auto Concentration (%)
balance_sheet
Value: 46.21%
Peer Avg: 13.34%
#1026 of 1077 Bottom 4.8% in 100M-500M tier
1023
Total Deposits
balance_sheet
Value: $92.96M
Peer Avg: $200.29M
#1023 of 1077 Bottom 5.1% in 100M-500M tier
1000
Total Assets
balance_sheet
Value: $110.42M
Peer Avg: $231.30M
#1000 of 1077 Bottom 7.2% in 100M-500M tier
991
Total Loans
balance_sheet
Value: $56.56M
Peer Avg: $147.80M
#991 of 1077 Bottom 8.1% in 100M-500M tier
933
Deposit Growth Rate
growth
Value: -0.82%
Peer Avg: 4.69%
#933 of 1077 Bottom 13.5% in 100M-500M tier
887
Total Members
engagement
Value: 8,250
Peer Avg: 15,628
#887 of 1077 Bottom 17.7% in 100M-500M tier
869
Fee Income Per Member
profitability
Value: $108.85
Peer Avg: $174.31
#869 of 1077 Bottom 19.4% in 100M-500M tier
852
Loan-to-Member Ratio (LMR)
engagement
Value: $6,856
Peer Avg: $10,245
#852 of 1077 Bottom 21.0% in 100M-500M tier
828
Loan-to-Share Ratio
balance_sheet
Value: 60.84%
Peer Avg: 72.70%
#828 of 1077 Bottom 23.2% in 100M-500M tier
825
Average Member Relationship (AMR)
engagement
Value: $18,125
Peer Avg: $24,363
#825 of 1077 Bottom 23.5% in 100M-500M tier