ADVANTAGE PLUS

Charter #8428 | ID

100M-500M (1077 CUs) Micro
9 100M-500M in ID

ADVANTAGE PLUS has 9 strengths but faces 3 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 8.0% in tier
  • + Wallet Share Momentum: Top 17.0% in tier
  • + Organic Growth Engine: Top 22.6% in tier
  • + Organic Growth Leader: Top 28.5% in tier
  • + ROA 0.23% above tier average
  • + Net Interest Margin 0.20% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Fee Income Per Member: Top 8.5% in tier
  • + Loan-to-Share Ratio: Top 9.9% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 12.5% in tier
  • - Liquidity Strain: Bottom 15.1% in tier
  • - Efficiency ratio 4.40% above tier (higher cost structure)

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (ID) National Avg Tier Percentile
Members 21,409
+0.9% YoY+0.2% QoQ
 +5.8K 15,628
-3.4% YoY
 53,577
+7.1% YoY
 33,089
+6.1% YoY
 Top 21.4% in tier
Assets $270.9M
+3.5% YoY-0.4% QoQ
 +$39.6M $231.3M
-0.0% YoY
 $936.8M
+11.3% YoY
 $547.7M
+7.8% YoY
 68th in tier
Loans $226.4M
+9.5% YoY+2.4% QoQ
 +$78.6M $147.8M
-1.4% YoY
 $777.6M
+12.0% YoY
 $388.7M
+8.6% YoY
 Top 18.7% in tier
Deposits $242.3M
+3.1% YoY-0.6% QoQ
 +$42.0M $200.3M
-0.0% YoY
 $812.6M
+12.3% YoY
 $464.6M
+9.3% YoY
 70th in tier
ROA 1.0%
+4.9% YoY-7.0% QoQ
 +0.2% 0.8%
+15.5% YoY
 0.6%
-15.0% YoY
 0.7%
+273.4% YoY
 67th in tier
NIM 3.8%
+4.2% YoY+2.8% QoQ
 +0.2% 3.6%
+6.9% YoY
 3.7%
+5.1% YoY
 3.7%
+5.0% YoY
 62nd in tier
Efficiency Ratio 81.7%
+2.2% YoY+1.9% QoQ
 +4.4% 77.3%
-3.0% YoY
 73.1%
-2.3% YoY
 79.1%
-3.3% YoY
 66th in tier
Delinquency Rate 0.4%
-36.0% YoY+98.0% QoQ
 -0.4 0.9%
+7.6% YoY
 0.9%
-2.1% YoY
 1.2%
-0.9% YoY
 32nd in tier
Loan To Share 93.4%
+6.2% YoY+3.0% QoQ
 +20.7% 72.7%
-1.5% YoY
 85.6%
-1.1% YoY
 68.0%
-1.7% YoY
 Top 10.0% in tier
AMR $21,893
+5.1% YoY+0.6% QoQ
 $-2K $24,363
+2.9% YoY
 $24,176
+3.9% YoY
 $19,418
+1.3% YoY
 46th in tier
CD Concentration 33.0%
+0.6% YoY-3.5% QoQ
 +8.6% 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 (4)

Relationship Depth Leader

growth
#221 of 1006 • Top 8.0% in tier

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

Why This Signature
AMR Growth (YoY): 5.12%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.6K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#470 of 1006 • Top 17.0% in tier

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

Why This Signature
AMR Growth (YoY): 5.12%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Organic Growth Engine

growth
#415 of 603 • Top 22.6% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 0.91%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 1.02%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 0.00%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Organic Growth Leader

growth
#377 of 430 • Top 28.5% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 0.91%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 1077 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | New qualifier

Concerns (2)

Efficiency Drag

risk
#222 of 521 • Bottom 12.5% in tier

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

Why This Signature
Efficiency Ratio: 81.68%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.05% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): 0.91%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | New qualifier

Liquidity Strain

risk
#118 of 258 • Bottom 15.1% in tier

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

Why This Signature
Loan-to-Share Ratio: 93.44%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 9.45%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
258 of 1077 Community CUs have this signature | 484 nationally
↓ Shrinking -28 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 1077 peers in tier

Top Strengths (7 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
93
Fee Income Per Member
profitability
Value: $276.40
Peer Avg: $174.31
#93 of 1077 Top 8.5% in 100M-500M tier
108
Loan-to-Share Ratio
balance_sheet
Value: 93.44%
Peer Avg: 72.70%
#108 of 1077 Top 9.9% in 100M-500M tier
178
Net Charge-Off Rate
risk
Value: 0.11%
Peer Avg: 0.47%
#178 of 1077 Top 16.4% in 100M-500M tier
184
Loan Growth Rate
growth
Value: 9.45%
Peer Avg: 3.45%
#184 of 1077 Top 17.0% in 100M-500M tier
201
Total Loans
balance_sheet
Value: $226.41M
Peer Avg: $147.80M
#201 of 1077 Top 18.6% in 100M-500M tier
230
Total Members
engagement
Value: 21,409
Peer Avg: 15,628
#230 of 1077 Top 21.3% in 100M-500M tier

Top Weaknesses (3 metrics)

959
First Mortgage Concentration (%)
balance_sheet
Value: 52.76%
Peer Avg: 30.43%
#959 of 1077 Bottom 11.0% in 100M-500M tier
901
Members Per Employee (MPE)
engagement
Value: 246.080
Peer Avg: 332.881
#901 of 1077 Bottom 16.4% in 100M-500M tier
866
Share Certificate Concentration (%)
balance_sheet
Value: 32.97%
Peer Avg: 23.61%
#866 of 1077 Bottom 19.7% in 100M-500M tier