CAMPUS

Charter #79 | LA

750M-1B (112 CUs) Community (281 CUs)
3 750M-1B in LA

CAMPUS has 3 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 8.6% in tier
  • + Wallet Share Momentum: Top 24.2% in tier
  • + Total Delinquency Rate (60+ days): Top 8.9% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 9.8% in tier
  • - Efficiency Drag: Bottom 20.4% in tier
  • - Stagnation Risk: Bottom 21.5% in tier
  • - Membership Headwinds: Bottom 30.8% in tier
  • - ROA 0.09% below tier average
  • - Efficiency ratio 7.86% above tier (higher cost structure)
  • - Indirect Auto Concentration (%): Bottom 9.8% in tier
  • - Members Per Employee (MPE): Bottom 9.8% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Members 43,824
-0.7% YoY+1.6% QoQ
 -8.3K 52,114
-2.1% YoY
 9,352
+2.6% YoY
 33,089
+6.1% YoY
 30th in tier
Assets $895.5M
+2.2% YoY+1.0% QoQ
 +$36.5M $859.0M
+0.0% YoY
 $121.4M
+4.9% YoY
 $547.7M
+7.8% YoY
 67th in tier
Loans $663.4M
+2.3% YoY-0.6% QoQ
 +$60.0M $603.4M
+1.0% YoY
 $86.9M
+5.1% YoY
 $388.7M
+8.6% YoY
 66th in tier
Deposits $806.5M
+2.8% YoY+0.5% QoQ
 +$72.4M $734.2M
+0.9% YoY
 $103.9M
+6.5% YoY
 $464.6M
+9.3% YoY
 Top 17.0% in tier
ROA 0.6%
+159.3% YoY+2.8% QoQ
 -0.1% 0.7%
+27.6% YoY
 0.5%
+1.1% YoY
 0.7%
+273.4% YoY
 41st in tier
NIM 3.3%
+12.3% YoY+2.4% QoQ
 -0.1% 3.4%
+9.6% YoY
 4.3%
+3.2% YoY
 3.7%
+5.0% YoY
 41st in tier
Efficiency Ratio 82.4%
-4.4% YoY-0.0% QoQ
 +7.9% 74.5%
-3.2% YoY
 82.9%
-3.6% YoY
 79.1%
-3.3% YoY
 Top 21.4% in tier
Delinquency Rate 0.2%
-56.0% YoY-41.9% QoQ
 -0.6 0.8%
+5.0% YoY
 1.8%
-12.2% YoY
 1.2%
-0.9% YoY
 Bottom 8.9% in tier
Loan To Share 82.3%
-0.5% YoY-1.2% QoQ
 -0.4% 82.7%
+0.1% YoY
 70.9%
-2.6% YoY
 68.0%
-1.7% YoY
 37th in tier
AMR $33,542
+3.3% YoY-1.6% QoQ
 +$5K $28,651
+2.5% YoY
 $13,297
+2.9% YoY
 $19,418
+1.3% YoY
 Top 22.3% in tier
CD Concentration 31.8%
+1.8% YoY+1.0% QoQ
 +7.4% 24.4%
+4.2% YoY
 15.0%
+9.1% YoY
 19.6%
+6.2% YoY
 Top 24.5% in tier
Indirect Auto % 42.3%
+2.0% YoY-0.2% QoQ
 +28.4% 14.0%
-5.8% YoY
 5.3%
+10.6% YoY
 7.9%
-2.9% YoY
 Top 7.4% in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth
#239 of 1006 • Top 8.6% in tier

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

Why This Signature
AMR Growth (YoY): 3.31%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $5.3K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Wallet Share Momentum

growth
#669 of 1006 • Top 24.2% in tier

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

Why This Signature
AMR Growth (YoY): 3.31%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Concerns (4)

Indirect Auto Dependency

risk
#158 of 525 • Bottom 9.8% in tier

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

Why This Signature
Asset Growth (YoY): 2.19%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 42.33%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -0.75%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 281 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank worsening

Efficiency Drag

risk
#360 of 521 • Bottom 20.4% in tier

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

Why This Signature
Efficiency Ratio: 82.38%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.38% points
(Tier: 0.11% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): -0.75%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 281 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank improving

Stagnation Risk

risk
#355 of 550 • Bottom 21.5% 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: 0.62%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -0.75%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $33.5K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 31.85%
(Tier: 24.41%, National: 19.60%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Membership Headwinds

decline
#508 of 550 • Bottom 30.8% in tier

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

Why This Signature
Member Growth (YoY): -0.75%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 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 112 peers in tier

Top Strengths (5 metrics)

11
Total Delinquency Rate (60+ days)
risk
Value: 0.24%
Peer Avg: 0.82%
#11 of 112 Top 8.9% in 750M-1B tier
19
Total Deposits
balance_sheet
Value: $806.55M
Peer Avg: $734.17M
#19 of 112 Top 16.1% in 750M-1B tier
24
Loan-to-Member Ratio (LMR)
engagement
Value: $15,138
Peer Avg: $12,810
#24 of 112 Top 20.5% in 750M-1B tier
25
Average Member Relationship (AMR)
engagement
Value: $33,542
Peer Avg: $28,651
#25 of 112 Top 21.4% in 750M-1B tier
27
Fee Income Per Member
profitability
Value: $239.59
Peer Avg: $204.75
#27 of 112 Top 23.2% in 750M-1B tier

Top Weaknesses (3 metrics)

102
Indirect Auto Concentration (%)
balance_sheet
Value: 42.33%
Peer Avg: 16.60%
#102 of 112 Bottom 9.8% in 750M-1B tier
102
Members Per Employee (MPE)
engagement
Value: 242.122
Peer Avg: 361.634
#102 of 112 Bottom 9.8% in 750M-1B tier
89
Efficiency Ratio
profitability
Value: 82.38%
Peer Avg: 74.52%
#89 of 112 Bottom 21.4% in 750M-1B tier