LATITUDE 32
Charter #8059 | SC
<100M
(2596 CUs)
Micro
($0-$500M)
24 <100M in SC
LATITUDE 32 has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.77% above tier average
- + Net Interest Margin 0.72% above tier average
- + Total Members: Top 8.0% in tier
- + Total Loans: Top 8.3% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.8% YoY
- - Indirect Auto Concentration (%): Bottom 1.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,314
-3.8% YoY-1.5% QoQ
|
+3.7K |
2,625
-2.2% YoY
|
37,124
+2.2% YoY
|
33,089
+6.1% YoY
|
Top 8.1% in tier |
| Assets |
$67.2M
+2.6% YoY+0.3% QoQ
|
+$37.4M |
$29.9M
+1.1% YoY
|
$514.3M
+4.6% YoY
|
$547.7M
+7.8% YoY
|
Top 13.3% in tier |
| Loans |
$43.6M
-8.9% YoY-1.9% QoQ
|
+$27.8M |
$15.8M
-2.4% YoY
|
$362.8M
+7.0% YoY
|
$388.7M
+8.6% YoY
|
Top 8.4% in tier |
| Deposits |
$56.9M
+1.1% YoY-0.4% QoQ
|
+$31.5M |
$25.5M
+0.4% YoY
|
$433.3M
+6.0% YoY
|
$464.6M
+9.3% YoY
|
Top 13.7% in tier |
| ROA |
1.4%
-7.8% YoY+7.5% QoQ
|
+0.8% |
0.7%
-731.4% YoY
|
1.2%
+18.8% YoY
|
0.7%
+273.4% YoY
|
Top 21.3% in tier |
| NIM |
4.6%
+2.3% YoY+1.2% QoQ
|
+0.7% |
3.9%
+3.8% YoY
|
4.3%
+2.6% YoY
|
3.7%
+5.0% YoY
|
Top 22.0% in tier |
| Efficiency Ratio |
73.0%
+1.2% YoY+0.2% QoQ
|
-8.4% |
81.4%
-2.4% YoY
|
75.1%
-1.9% YoY
|
79.1%
-3.3% YoY
|
37th in tier |
| Delinquency Rate |
0.4%
+37.7% YoY+51.8% QoQ
|
-1.1 |
1.5%
-2.0% YoY
|
0.9%
+10.3% YoY
|
1.2%
-0.9% YoY
|
36th in tier |
| Loan To Share |
76.6%
-9.9% YoY-1.5% QoQ
|
+15.4% |
61.2%
-3.0% YoY
|
71.3%
-1.2% YoY
|
68.0%
-1.7% YoY
|
73rd in tier |
| AMR |
$15,925
+0.4% YoY+0.4% QoQ
|
+$1K |
$14,627
-2.7% YoY
|
$16,641
+2.9% YoY
|
$19,418
+1.3% YoY
|
62nd in tier |
| CD Concentration |
11.7%
-2.4% YoY-2.1% QoQ
|
-12.7% |
24.4%
+4.2% YoY
|
17.4%
+3.6% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % |
60.2%
-5.2% YoY-0.0% QoQ
|
+46.2% |
14.0%
-5.8% YoY
|
5.9%
-5.3% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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 (7 metrics)
209
Total Members
engagement
Value:
6,314
Peer Avg: 2,626
#209 of 2596
Top 8.0% in <100M tier
217
Total Loans
balance_sheet
Value:
$43.61M
Peer Avg: $15.77M
#217 of 2596
Top 8.3% in <100M tier
344
Total Assets
balance_sheet
Value:
$67.22M
Peer Avg: $29.86M
#344 of 2596
Top 13.2% in <100M tier
356
Total Deposits
balance_sheet
Value:
$56.94M
Peer Avg: $25.45M
#356 of 2596
Top 13.7% in <100M tier
434
Fee Income Per Member
profitability
Value:
$141.27
Peer Avg: $182.96
#434 of 2596
Top 16.7% in <100M tier
554
Return on Assets (ROA)
profitability
Value:
1.45%
Peer Avg: 0.68%
#554 of 2596
Top 21.3% in <100M tier
570
Net Interest Margin (NIM)
profitability
Value:
4.65%
Peer Avg: 3.93%
#570 of 2596
Top 21.9% in <100M tier
Top Weaknesses (3 metrics)
2569
Indirect Auto Concentration (%)
balance_sheet
Value:
60.16%
Peer Avg: 2.84%
#2569 of 2596
Bottom 1.1% in <100M tier
1959
Loan Growth Rate
growth
Value:
-8.88%
Peer Avg: 59.01%
#1959 of 2596
Bottom 24.6% in <100M tier
1958
Member Growth Rate
growth
Value:
-3.84%
Peer Avg: 14.92%
#1958 of 2596
Bottom 24.6% in <100M tier