MEMBERS PREFERRED
Charter #82547 | ID
<100M
(2596 CUs)
Micro
($0-$500M)
9 <100M in ID
MEMBERS PREFERRED has 5 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.73% above tier average
- + Net Interest Margin 1.89% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 2.2% in tier
- + Fee Income Per Member: Top 2.4% in tier
Key Concerns
Areas that may need attention
- - Member decline: -4.1% YoY
- - Net Charge-Off Rate: Bottom 3.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,187
-4.1% YoY-1.1% QoQ
|
+1.6K |
2,625
-2.2% YoY
|
53,577
+7.1% YoY
|
33,089
+6.1% YoY
|
Top 20.0% in tier |
| Assets |
$55.7M
+1.9% YoY+0.9% QoQ
|
+$25.9M |
$29.9M
+1.1% YoY
|
$936.8M
+11.3% YoY
|
$547.7M
+7.8% YoY
|
Top 19.5% in tier |
| Loans |
$38.8M
+5.2% YoY+5.2% QoQ
|
+$23.1M |
$15.8M
-2.4% YoY
|
$777.6M
+12.0% YoY
|
$388.7M
+8.6% YoY
|
Top 11.2% in tier |
| Deposits |
$43.7M
-0.6% YoY+0.3% QoQ
|
+$18.2M |
$25.5M
+0.4% YoY
|
$812.6M
+12.3% YoY
|
$464.6M
+9.3% YoY
|
Top 22.2% in tier |
| ROA |
2.4%
-11.5% YoY+3.4% QoQ
|
+1.7% |
0.7%
-731.4% YoY
|
0.6%
-15.0% YoY
|
0.7%
+273.4% YoY
|
Top 4.4% in tier |
| NIM |
5.8%
+4.2% YoY+0.8% QoQ
|
+1.9% |
3.9%
+3.8% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
Top 5.1% in tier |
| Efficiency Ratio |
40.3%
+1.6% YoY+0.9% QoQ
|
-41.1% |
81.4%
-2.4% YoY
|
73.1%
-2.3% YoY
|
79.1%
-3.3% YoY
|
Bottom 2.2% in tier |
| Delinquency Rate |
0.7%
-34.0% YoY-39.5% QoQ
|
-0.8 |
1.5%
-2.0% YoY
|
0.9%
-2.1% YoY
|
1.2%
-0.9% YoY
|
53rd in tier |
| Loan To Share |
88.8%
+5.9% YoY+4.9% QoQ
|
+27.6% |
61.2%
-3.0% YoY
|
85.6%
-1.1% YoY
|
68.0%
-1.7% YoY
|
Top 12.3% in tier |
| AMR |
$19,707
+6.5% YoY+3.6% QoQ
|
+$5K |
$14,627
-2.7% YoY
|
$24,176
+3.9% YoY
|
$19,418
+1.3% YoY
|
Top 21.6% in tier |
| CD Concentration |
35.9%
+3.5% YoY+0.5% QoQ
|
+11.5% |
24.4%
+4.2% YoY
|
27.1%
+1.8% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
12.1%
-5.5% 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 (15 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
57
Efficiency Ratio
profitability
Value:
40.31%
Peer Avg: 81.39%
#57 of 2596
Top 2.2% in <100M tier
63
Fee Income Per Member
profitability
Value:
$291.43
Peer Avg: $182.96
#63 of 2596
Top 2.4% in <100M tier
113
Return on Assets (ROA)
profitability
Value:
2.41%
Peer Avg: 0.68%
#113 of 2596
Top 4.3% in <100M tier
132
Net Interest Margin (NIM)
profitability
Value:
5.82%
Peer Avg: 3.93%
#132 of 2596
Top 5.0% in <100M tier
292
Total Loans
balance_sheet
Value:
$38.82M
Peer Avg: $15.77M
#292 of 2596
Top 11.2% in <100M tier
293
Loan-to-Member Ratio (LMR)
engagement
Value:
$9,271
Peer Avg: $5,488
#293 of 2596
Top 11.2% in <100M tier
316
Loan-to-Share Ratio
balance_sheet
Value:
88.84%
Peer Avg: 61.23%
#316 of 2596
Top 12.1% in <100M tier
463
Net Worth Ratio
risk
Value:
21.51%
Peer Avg: 16.43%
#463 of 2596
Top 17.8% in <100M tier
502
AMR Growth Rate
growth
Value:
6.45%
Peer Avg: 4.67%
#502 of 2596
Top 19.3% in <100M tier
Top Weaknesses (3 metrics)
2496
Net Charge-Off Rate
risk
Value:
2.70%
Peer Avg: 0.57%
#2496 of 2596
Bottom 3.9% in <100M tier
2322
Share Certificate Concentration (%)
balance_sheet
Value:
35.95%
Peer Avg: 15.37%
#2322 of 2596
Bottom 10.6% in <100M tier
2023
Member Growth Rate
growth
Value:
-4.14%
Peer Avg: 14.92%
#2023 of 2596
Bottom 22.1% in <100M tier