MAC

Charter #8080 | AK

100M-500M (1077 CUs) Micro
5 100M-500M in AK

MAC has 7 strengths but faces 13 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 13.6% in tier
  • + Relationship Depth Leader: Top 22.8% in tier
  • + Net Interest Margin 2.12% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + First Mortgage Concentration (%): Top 1.4% in tier
  • + Loan-to-Share Ratio: Top 4.1% in tier
  • + Fee Income Per Member: Top 4.9% in tier

Key Concerns

Areas that may need attention

  • - Capital Constraint: Bottom 0.0% in tier
  • - Membership Headwinds: Bottom 1.7% in tier
  • - Liquidity Strain: Bottom 16.7% in tier
  • - Stagnation Risk: Bottom 26.8% in tier
  • - Efficiency Drag: Bottom 27.3% in tier
  • - ROA 1.35% below tier average
  • - Efficiency ratio 7.73% above tier (higher cost structure)
  • - Delinquency rate 0.41% above tier average
  • - Member decline: -11.3% YoY
  • - Deposit Growth Rate: Bottom 0.7% in tier
  • - Net Charge-Off Rate: Bottom 1.1% in tier
  • - Asset Growth Rate: Bottom 1.7% in tier
  • - Member Growth Rate: Bottom 2.7% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (AK) National Avg Tier Percentile
Members 18,223
-11.3% YoY-13.3% QoQ
 +2.6K 15,628
-3.4% YoY
 113,900
+3.3% YoY
 33,089
+6.1% YoY
 69th in tier
Assets $175.0M
-7.0% YoY-2.4% QoQ
 $-56.3M $231.3M
-0.0% YoY
 $1.8B
+11.8% YoY
 $547.7M
+7.8% YoY
 41st in tier
Loans $147.8M
-0.3% YoY-1.0% QoQ
 $-33K $147.8M
-1.4% YoY
 $1.5B
+8.8% YoY
 $388.7M
+8.6% YoY
 60th in tier
Deposits $150.1M
-11.0% YoY-3.5% QoQ
 $-50.2M $200.3M
-0.0% YoY
 $1.6B
+14.4% YoY
 $464.6M
+9.3% YoY
 41st in tier
ROA -0.6%
-44.9% YoY+72.8% QoQ
 -1.3% 0.8%
+15.5% YoY
 0.6%
+34.6% YoY
 0.7%
+273.4% YoY
 Bottom 1.9% in tier
NIM 5.7%
+12.9% YoY+6.9% QoQ
 +2.1% 3.6%
+6.9% YoY
 4.2%
+5.6% YoY
 3.7%
+5.0% YoY
 Top 0.4% in tier
Efficiency Ratio 85.0%
-0.6% YoY+1.3% QoQ
 +7.7% 77.3%
-3.0% YoY
 78.1%
-3.3% YoY
 79.1%
-3.3% YoY
 Top 23.4% in tier
Delinquency Rate 1.3%
-47.9% YoY+39.3% QoQ
 +0.4 0.9%
+7.6% YoY
 0.8%
-14.6% YoY
 1.2%
-0.9% YoY
 Top 20.2% in tier
Loan To Share 98.4%
+12.0% YoY+2.7% QoQ
 +25.7% 72.7%
-1.5% YoY
 77.0%
-0.7% YoY
 68.0%
-1.7% YoY
 Top 4.2% in tier
AMR $16,346
+6.0% YoY+12.7% QoQ
 $-8K $24,363
+2.9% YoY
 $25,886
+3.8% YoY
 $19,418
+1.3% YoY
 Bottom 15.2% in tier
CD Concentration 26.5%
-0.8% YoY+11.5% QoQ
 +2.1% 24.4%
+4.2% YoY
 21.9%
+3.2% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 15.6%
-2.3% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#376 of 1006 • Top 13.6% in tier

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

Why This Signature
AMR Growth (YoY): 5.99%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Relationship Depth Leader

growth
#628 of 1006 • Top 22.8% in tier

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

Why This Signature
AMR Growth (YoY): 5.99%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.1K
(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 | New qualifier

Concerns (5)

Capital Constraint

risk
#1 of 18 • Bottom 0.0% 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: 98.44%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Deposit Growth (YoY): -10.99%
(Tier: 4.79%, National: 12.00%)
worse than tier avg
Net Worth Ratio: 11.29%
(Tier: 11.95%, National: 14.51%)
worse than tier avg
18 of 1077 Community CUs have this signature | 29 nationally
↓ Shrinking -33 CUs YoY | New qualifier

Membership Headwinds

decline
#29 of 550 • Bottom 1.7% in tier

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

Why This Signature
Member Growth (YoY): -11.31%
(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

Liquidity Strain

risk
#130 of 258 • Bottom 16.7% in tier

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

Why This Signature
Loan-to-Share Ratio: 98.44%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): -0.34%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
258 of 1077 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | New qualifier

Stagnation Risk

risk
#442 of 550 • Bottom 26.8% 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: -0.56%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -11.31%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $16.3K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 26.49%
(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 | New qualifier

Efficiency Drag

risk
#482 of 521 • Bottom 27.3% in tier

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

Why This Signature
Efficiency Ratio: 85.01%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.46% points
(Tier: 0.11% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): -11.31%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank worsening

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 (5 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
4
Net Interest Margin (NIM)
profitability
Value: 5.70%
Peer Avg: 3.58%
#4 of 1077 Top 0.3% in 100M-500M tier
16
First Mortgage Concentration (%)
balance_sheet
Value: 0.28%
Peer Avg: 30.43%
#16 of 1077 Top 1.4% in 100M-500M tier
45
Loan-to-Share Ratio
balance_sheet
Value: 98.44%
Peer Avg: 72.70%
#45 of 1077 Top 4.1% in 100M-500M tier
54
Fee Income Per Member
profitability
Value: $305.98
Peer Avg: $174.31
#54 of 1077 Top 4.9% in 100M-500M tier

Top Weaknesses (8 metrics)

1070
Deposit Growth Rate
growth
Value: -10.99%
Peer Avg: 4.69%
#1070 of 1077 Bottom 0.7% in 100M-500M tier
1066
Net Charge-Off Rate
risk
Value: 2.12%
Peer Avg: 0.47%
#1066 of 1077 Bottom 1.1% in 100M-500M tier
1060
Asset Growth Rate
growth
Value: -7.00%
Peer Avg: 4.70%
#1060 of 1077 Bottom 1.7% in 100M-500M tier
1057
Return on Assets (ROA)
profitability
Value: -0.56%
Peer Avg: 0.79%
#1057 of 1077 Bottom 1.9% in 100M-500M tier
1049
Member Growth Rate
growth
Value: -11.31%
Peer Avg: 0.72%
#1049 of 1077 Bottom 2.7% in 100M-500M tier
913
Average Member Relationship (AMR)
engagement
Value: $16,346
Peer Avg: $24,363
#913 of 1077 Bottom 15.3% in 100M-500M tier
860
Total Delinquency Rate (60+ days)
risk
Value: 1.27%
Peer Avg: 0.86%
#860 of 1077 Bottom 20.2% in 100M-500M tier
826
Efficiency Ratio
profitability
Value: 85.01%
Peer Avg: 77.28%
#826 of 1077 Bottom 23.4% in 100M-500M tier