SUNBELT

Charter #8905 | MS

100M-500M (1077 CUs) Micro
12 100M-500M in MS

SUNBELT has 10 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 1.2% in tier
  • + Relationship Depth Leader: Top 17.1% in tier
  • + ROA 0.23% above tier average
  • + Net Interest Margin 0.97% above tier average
  • + AMR Growth Rate: Top 2.4% in tier
  • + Total Members: Top 3.4% in tier
  • + Loan Growth Rate: Top 3.5% in tier
  • + Fee Income Per Member: Top 3.7% in tier
  • + Net Worth Ratio: Top 8.0% in tier
  • + Deposit Growth Rate: Top 8.7% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 10.5% in tier
  • - Membership Headwinds: Bottom 22.9% in tier
  • - Stagnation Risk: Bottom 23.3% in tier
  • - Efficiency ratio 0.18% above tier (higher cost structure)
  • - Average Member Relationship (AMR): Bottom 5.8% in tier
  • - Net Charge-Off Rate: Bottom 8.3% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
Members 35,775
-1.6% YoY-0.9% QoQ
 +20.1K 15,628
-3.4% YoY
 14,577
+18.5% YoY
 33,089
+6.1% YoY
 Top 3.5% in tier
Assets $337.3M
+10.4% YoY+1.1% QoQ
 +$106.0M $231.3M
-0.0% YoY
 $171.7M
+26.4% YoY
 $547.7M
+7.8% YoY
 Top 20.6% in tier
Loans $214.8M
+19.9% YoY+5.9% QoQ
 +$67.0M $147.8M
-1.4% YoY
 $115.7M
+25.1% YoY
 $388.7M
+8.6% YoY
 Top 21.5% in tier
Deposits $278.9M
+11.3% YoY+0.9% QoQ
 +$78.7M $200.3M
-0.0% YoY
 $135.7M
+26.5% YoY
 $464.6M
+9.3% YoY
 Top 22.7% in tier
ROA 1.0%
+55.6% YoY+18.9% QoQ
 +0.2% 0.8%
+15.5% YoY
 0.9%
+335.0% YoY
 0.7%
+273.4% YoY
 66th in tier
NIM 4.6%
+2.1% YoY+2.0% QoQ
 +1.0% 3.6%
+6.9% YoY
 4.4%
+3.2% YoY
 3.7%
+5.0% YoY
 Top 8.0% in tier
Efficiency Ratio 77.5%
-2.0% YoY-0.2% QoQ
 +0.2% 77.3%
-3.0% YoY
 78.7%
-9.5% YoY
 79.1%
-3.3% YoY
 51st in tier
Delinquency Rate 0.5%
-33.1% YoY+28.1% QoQ
 -0.3 0.9%
+7.6% YoY
 1.7%
-11.9% YoY
 1.2%
-0.9% YoY
 40th in tier
Loan To Share 77.0%
+7.7% YoY+4.9% QoQ
 +4.3% 72.7%
-1.5% YoY
 68.6%
-0.4% YoY
 68.0%
-1.7% YoY
 56th in tier
AMR $13,802
+16.7% YoY+4.0% QoQ
 $-11K $24,363
+2.9% YoY
 $12,163
+4.6% YoY
 $19,418
+1.3% YoY
 Bottom 5.8% in tier
CD Concentration 37.6%
+20.2% YoY+3.3% QoQ
 +13.2% 24.4%
+4.2% YoY
 19.3%
+9.2% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 2.7%
+265.3% YoY+19.8% QoQ
 -11.2% 14.0%
-5.8% YoY
 2.5%
+12.7% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#35 of 1006 • Top 1.2% in tier

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

Why This Signature
AMR Growth (YoY): 16.68%
(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

Relationship Depth Leader

growth
#471 of 1006 • Top 17.1% in tier

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

Why This Signature
AMR Growth (YoY): 16.68%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $1.4K
(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 | Rank worsening

Concerns (3)

Liquidity Overhang

risk
#163 of 552 • Bottom 10.5% 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: 16.82%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 77.02%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank worsening

Membership Headwinds

decline
#378 of 550 • Bottom 22.9% in tier

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

Why This Signature
Member Growth (YoY): -1.56%
(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 | Rank worsening

Stagnation Risk

risk
#384 of 550 • Bottom 23.3% 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: 1.01%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -1.56%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $13.8K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 37.64%
(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 | 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 (12 metrics)

27
AMR Growth Rate
growth
Value: 16.68%
Peer Avg: 3.64%
#27 of 1077 Top 2.4% in 100M-500M tier
38
Total Members
engagement
Value: 35,775
Peer Avg: 15,628
#38 of 1077 Top 3.4% in 100M-500M tier
39
Loan Growth Rate
growth
Value: 19.87%
Peer Avg: 3.45%
#39 of 1077 Top 3.5% in 100M-500M tier
41
Fee Income Per Member
profitability
Value: $318.95
Peer Avg: $174.31
#41 of 1077 Top 3.7% in 100M-500M tier
86
Net Interest Margin (NIM)
profitability
Value: 4.55%
Peer Avg: 3.58%
#86 of 1077 Top 7.9% in 100M-500M tier
87
Net Worth Ratio
risk
Value: 16.82%
Peer Avg: 12.15%
#87 of 1077 Top 8.0% in 100M-500M tier
95
Deposit Growth Rate
growth
Value: 11.27%
Peer Avg: 4.69%
#95 of 1077 Top 8.7% in 100M-500M tier
110
Asset Growth Rate
growth
Value: 10.37%
Peer Avg: 4.70%
#110 of 1077 Top 10.1% in 100M-500M tier
161
First Mortgage Concentration (%)
balance_sheet
Value: 11.78%
Peer Avg: 30.43%
#161 of 1077 Top 14.9% in 100M-500M tier
222
Total Assets
balance_sheet
Value: $337.26M
Peer Avg: $231.30M
#222 of 1077 Top 20.5% in 100M-500M tier

Top Weaknesses (4 metrics)

1015
Average Member Relationship (AMR)
engagement
Value: $13,802
Peer Avg: $24,363
#1015 of 1077 Bottom 5.8% in 100M-500M tier
989
Net Charge-Off Rate
risk
Value: 1.09%
Peer Avg: 0.47%
#989 of 1077 Bottom 8.3% in 100M-500M tier
965
Share Certificate Concentration (%)
balance_sheet
Value: 37.64%
Peer Avg: 23.61%
#965 of 1077 Bottom 10.5% in 100M-500M tier
928
Loan-to-Member Ratio (LMR)
engagement
Value: $6,005
Peer Avg: $10,245
#928 of 1077 Bottom 13.9% in 100M-500M tier