RANDOLPH-BROOKS
Charter #8111 | TX
RANDOLPH-BROOKS has 7 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 18.5% in tier
- + Relationship Depth Leader: Top 28.1% in tier
- + Organic Growth Leader: Top 28.6% in tier
- + Wallet Share Momentum: Top 34.4% in tier
- + ROA 0.73% above tier average
- + Net Interest Margin 0.01% above tier average
- + Net Worth Ratio: Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 0.0% in tier
- - Credit Quality Pressure: Bottom 13.7% in tier
- - Growth-at-Risk: Bottom 24.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,184,741
+2.2% YoY+0.0% QoQ
|
-637.7K |
1,822,416
+4.1% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
52nd in tier |
| Assets |
$18.9B
+7.8% YoY+1.1% QoQ
|
$-9.8B |
$28.7B
+4.2% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
48th in tier |
| Loans |
$12.7B
+3.6% YoY+0.3% QoQ
|
$-8.4B |
$21.1B
+5.8% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
43rd in tier |
| Deposits |
$14.9B
+5.8% YoY+0.7% QoQ
|
$-9.5B |
$24.4B
+7.2% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
48th in tier |
| ROA |
1.5%
+2.7% YoY+2.6% QoQ
|
+0.7% |
0.8%
+17.7% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
Top 4.8% in tier |
| NIM |
3.1%
+8.1% YoY+0.9% QoQ
|
+0.0% |
3.1%
+10.6% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
57th in tier |
| Efficiency Ratio |
55.5%
-5.2% YoY-0.5% QoQ
|
-8.8% |
64.3%
-4.3% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
Bottom 14.3% in tier |
| Delinquency Rate |
0.9%
+11.7% YoY-6.9% QoQ
|
-0.3 |
1.2%
+9.7% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
33rd in tier |
| Loan To Share |
85.1%
-2.1% YoY-0.4% QoQ
|
-4.7% |
89.8%
-0.3% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
29th in tier |
| AMR |
$23,320
+2.5% YoY+0.5% QoQ
|
$-8K |
$31,184
+7.8% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 19.0% in tier |
| CD Concentration |
26.4%
+4.4% YoY+1.2% QoQ
|
-5.5% |
31.9%
+2.0% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
Bottom 19.0% in tier |
| Indirect Auto % |
11.2%
-5.0% YoY-1.2% QoQ
|
-3.1% |
14.2%
-8.9% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
52nd in tier |
Signature Analysis
Strengths (4)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Relationship Depth Leader
growthAverage member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Organic Growth Leader
growthAttracting members without relying on indirect channels. Healthy, sustainable growth model.
Wallet Share Momentum
growthAverage member relationship growing year-over-year. Members are deepening their engagement.
Concerns (3)
Liquidity Overhang
riskVery high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Growth-at-Risk
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)