TOWER

Charter #8333 | MD

3B-5B (76 CUs) Mid-Market (380 CUs)
1 3B-5B in MD

TOWER has 8 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 5.0% in tier
  • + Wallet Share Momentum: Top 6.2% in tier
  • + ROA 0.58% above tier average
  • + Net Interest Margin 0.38% above tier average
  • + Net Worth Ratio: Top 3.9% in tier
  • + Total Deposits: Top 6.6% in tier
  • + AMR Growth Rate: Top 7.9% in tier
  • + Total Assets: Top 7.9% in tier

Key Concerns

Areas that may need attention

  • - Stagnation Risk: Bottom 2.1% in tier
  • - Liquidity Overhang: Bottom 13.4% in tier
  • - Credit Quality Pressure: Bottom 19.6% in tier
  • - Growth-at-Risk: Bottom 20.1% in tier
  • - Membership Headwinds: Bottom 20.9% in tier
  • - Indirect Auto Dependency: Bottom 25.5% in tier
  • - Member decline: -2.1% YoY
  • - Member Growth Rate: Bottom 7.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
Members 221,992
-2.1% YoY-0.7% QoQ
 -16.5K 238,465
+0.6% YoY
 34,720
+7.7% YoY
 33,089
+6.1% YoY
 51st in tier
Assets $4.8B
+3.9% YoY+0.9% QoQ
 +$790.6M $4.0B
-0.1% YoY
 $624.1M
+9.4% YoY
 $547.7M
+7.8% YoY
 Top 9.2% in tier
Loans $3.6B
+7.0% YoY+1.4% QoQ
 +$606.5M $3.0B
+3.3% YoY
 $452.1M
+10.3% YoY
 $388.7M
+8.6% YoY
 Top 13.2% in tier
Deposits $4.1B
+5.5% YoY+0.4% QoQ
 +$777.7M $3.3B
+1.1% YoY
 $528.8M
+10.3% YoY
 $464.6M
+9.3% YoY
 Top 7.9% in tier
ROA 1.3%
+1.1% YoY+8.5% QoQ
 +0.6% 0.7%
+5.3% YoY
 0.6%
+23.1% YoY
 0.7%
+273.4% YoY
 Top 13.2% in tier
NIM 3.6%
+3.6% YoY+1.4% QoQ
 +0.4% 3.2%
+13.7% YoY
 3.5%
+4.2% YoY
 3.7%
+5.0% YoY
 70th in tier
Efficiency Ratio 64.6%
-1.3% YoY-3.5% QoQ
 -6.7% 71.3%
-0.6% YoY
 78.6%
-6.6% YoY
 79.1%
-3.3% YoY
 28th in tier
Delinquency Rate 0.3%
+35.5% YoY-2.7% QoQ
 -0.6 0.8%
+15.9% YoY
 1.2%
+5.3% YoY
 1.2%
-0.9% YoY
 Bottom 10.5% in tier
Loan To Share 88.2%
+1.4% YoY+1.0% QoQ
 -2.7% 90.8%
+2.0% YoY
 65.0%
-0.2% YoY
 68.0%
-1.7% YoY
 33rd in tier
AMR $34,850
+8.5% YoY+1.6% QoQ
 +$6K $29,088
+0.1% YoY
 $20,685
+4.6% YoY
 $19,418
+1.3% YoY
 Top 21.1% in tier
CD Concentration 22.5%
+4.6% YoY+0.8% QoQ
 -6.5% 29.0%
+0.8% YoY
 20.4%
+10.6% YoY
 19.6%
+6.2% YoY
 Bottom 21.4% in tier
Indirect Auto % 16.5%
+15.6% YoY-0.4% QoQ
 -2.3% 18.8%
-2.8% YoY
 7.4%
+4.0% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth
#37 of 264 • Top 5.0% in tier

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

Why This Signature
AMR Growth (YoY): 8.52%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.2K
(Tier: $3.1K, National: $2.0K)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank improving

Wallet Share Momentum

growth
#46 of 264 • Top 6.2% in tier

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

Why This Signature
AMR Growth (YoY): 8.52%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank improving

Concerns (6)

Stagnation Risk

risk
#6 of 85 • Bottom 2.1% 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: 1.32%
(Tier: 0.71%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -2.13%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $34.8K
(Tier: $29.2K, National: $19.4K)
but better than tier avg
CD Concentration: 22.52%
(Tier: 28.98%, National: 19.60%)
but better than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 CUs YoY | New qualifier

Liquidity Overhang

risk
#44 of 113 • Bottom 13.4% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 14.25%
(Tier: 11.30%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 88.19%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
113 of 380 Mid-Market CUs have this signature | 691 nationally
↑ Growing +9 CUs YoY

Credit Quality Pressure

risk
#151 of 217 • Bottom 19.6% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.07% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank improving

Growth-at-Risk

risk
#113 of 161 • Bottom 20.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 7.02%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.07% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 CUs YoY | Rank improving

Membership Headwinds

decline
#51 of 85 • Bottom 20.9% in tier

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

Why This Signature
Member Growth (YoY): -2.13%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#158 of 202 • Bottom 25.5% in tier

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

Why This Signature
Asset Growth (YoY): 3.93%
(Tier: 5.36%, National: 3.04%)
worse than tier avg
Indirect Auto %: 16.46%
(Tier: 18.80%, National: 7.90%)
but better than tier avg
Member Growth (YoY): -2.13%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 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 76 peers in tier

Top Strengths (11 metrics)

4
Net Worth Ratio
risk
Value: 14.25%
Peer Avg: 10.75%
#4 of 76 Top 3.9% in 3B-5B tier
6
Total Deposits
balance_sheet
Value: $4.11B
Peer Avg: $3.33B
#6 of 76 Top 6.6% in 3B-5B tier
7
AMR Growth Rate
growth
Value: 8.52%
Peer Avg: 2.07%
#7 of 76 Top 7.9% in 3B-5B tier
7
Total Assets
balance_sheet
Value: $4.76B
Peer Avg: $3.97B
#7 of 76 Top 7.9% in 3B-5B tier
9
Total Delinquency Rate (60+ days)
risk
Value: 0.26%
Peer Avg: 0.84%
#9 of 76 Top 10.5% in 3B-5B tier
10
Return on Assets (ROA)
profitability
Value: 1.32%
Peer Avg: 0.75%
#10 of 76 Top 11.8% in 3B-5B tier
10
Total Loans
balance_sheet
Value: $3.63B
Peer Avg: $3.02B
#10 of 76 Top 11.8% in 3B-5B tier
13
Net Charge-Off Rate
risk
Value: 0.23%
Peer Avg: 0.64%
#13 of 76 Top 15.8% in 3B-5B tier
13
Share Certificate Concentration (%)
balance_sheet
Value: 22.52%
Peer Avg: 30.70%
#13 of 76 Top 15.8% in 3B-5B tier
16
Average Member Relationship (AMR)
engagement
Value: $34,850
Peer Avg: $29,088
#16 of 76 Top 19.7% in 3B-5B tier

Top Weaknesses (2 metrics)

71
Member Growth Rate
growth
Value: -2.13%
Peer Avg: 7.02%
#71 of 76 Bottom 7.9% in 3B-5B tier
59
Fee Income Per Member
profitability
Value: $134.82
Peer Avg: $191.96
#59 of 76 Bottom 23.7% in 3B-5B tier