ST. MICHAELS FALL RIVER
Charter #8915 | MA
100M-500M
(1077 CUs)
Micro
($0-$500M)
32 100M-500M in MA
ST. MICHAELS FALL RIVER has 12 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 10.0% in tier
- + Relationship Depth Leader: Top 12.6% in tier
- + Emerging Performer: Top 15.0% in tier
- + Wallet Share Momentum: Top 16.8% in tier
- + Organic Growth Engine: Top 18.3% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Average Member Relationship (AMR): Top 0.6% in tier
- + Loan-to-Member Ratio (LMR): Top 0.7% in tier
- + Net Charge-Off Rate: Top 2.7% in tier
- + Asset Growth Rate: Top 6.1% in tier
- + Deposit Growth Rate: Top 7.1% in tier
- + Loan-to-Share Ratio: Top 9.3% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 8.2% in tier
- - Liquidity Strain: Bottom 19.0% in tier
- - ROA 0.40% below tier average
- - Efficiency ratio 10.76% above tier (higher cost structure)
- - Delinquency rate 0.81% above tier average
- - Share Certificate Concentration (%): Bottom 0.2% in tier
- - Total Members: Bottom 0.6% in tier
- - Fee Income Per Member: Bottom 3.2% in tier
- - Net Worth Ratio: Bottom 6.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,215
+3.6% YoY+1.2% QoQ
|
-12.4K |
15,628
-3.4% YoY
|
27,447
+2.6% YoY
|
33,089
+6.1% YoY
|
Bottom 0.5% in tier |
| Assets |
$128.3M
+11.9% YoY+4.8% QoQ
|
$-103.0M |
$231.3M
-0.0% YoY
|
$440.2M
+4.2% YoY
|
$547.7M
+7.8% YoY
|
Bottom 19.5% in tier |
| Loans |
$107.4M
+5.8% YoY+1.3% QoQ
|
$-40.4M |
$147.8M
-1.4% YoY
|
$341.2M
+2.4% YoY
|
$388.7M
+8.6% YoY
|
39th in tier |
| Deposits |
$114.4M
+12.0% YoY+5.2% QoQ
|
$-85.8M |
$200.3M
-0.0% YoY
|
$366.8M
+5.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 20.9% in tier |
| ROA |
0.4%
-12.5% YoY+64.2% QoQ
|
-0.4% |
0.8%
+15.5% YoY
|
0.7%
+17.3% YoY
|
0.7%
+273.4% YoY
|
Bottom 24.0% in tier |
| NIM |
3.1%
-0.7% YoY-0.8% QoQ
|
-0.5% |
3.6%
+6.9% YoY
|
3.3%
+3.8% YoY
|
3.7%
+5.0% YoY
|
Bottom 22.5% in tier |
| Efficiency Ratio |
88.0%
+9.8% YoY-5.1% QoQ
|
+10.8% |
77.3%
-3.0% YoY
|
80.4%
-4.7% YoY
|
79.1%
-3.3% YoY
|
Top 14.1% in tier |
| Delinquency Rate |
1.7%
-4.7% YoY+39.1% QoQ
|
+0.8 |
0.9%
+7.6% YoY
|
0.9%
-6.0% YoY
|
1.2%
-0.9% YoY
|
Top 11.2% in tier |
| Loan To Share |
93.8%
-5.5% YoY-3.7% QoQ
|
+21.1% |
72.7%
-1.5% YoY
|
74.2%
-1.7% YoY
|
68.0%
-1.7% YoY
|
Top 9.4% in tier |
| AMR |
$68,990
+5.2% YoY+2.0% QoQ
|
+$45K |
$24,363
+2.9% YoY
|
$24,707
+3.7% YoY
|
$19,418
+1.3% YoY
|
Top 0.7% in tier |
| CD Concentration |
57.3%
+22.1% YoY-0.5% QoQ
|
+32.9% |
24.4%
+4.2% YoY
|
24.8%
+8.8% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
2.6%
-15.5% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (5)
Organic Growth Leader
growth
#133 of 430 • Top 10.0% in tier
Attracting members without relying on indirect channels. Healthy, sustainable growth model.
Why This Signature
Member Growth (YoY):
3.58%
(Tier:
0.88%, National:
9.37%)
430 of 1077 Community CUs have this signature
| 608 nationally
↓ Shrinking
-21 CUs YoY
|
New qualifier
Relationship Depth Leader
growth
#348 of 1006 • Top 12.6% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
5.16%
(Tier:
3.68%, National:
4.19%)
Share Draft per Member:
$2.9K
(Tier: $2.8K, National: $2.0K)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
Rank worsening
Emerging Performer
growth
#283 of 627 • Top 15.0% in tier
Profitable credit union with positive returns. May represent growth potential worth exploring.
Why This Signature
Return on Assets:
0.39%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
3.58%
(Tier:
0.88%, National:
9.37%)
627 of 1077 Community CUs have this signature
| 852 nationally
↑ Growing
+13 CUs YoY
|
Rank improving
Wallet Share Momentum
growth
#463 of 1006 • Top 16.8% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
5.16%
(Tier:
3.68%, National:
4.19%)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
Rank worsening
Organic Growth Engine
growth
#337 of 603 • Top 18.3% in tier
Growing membership while maintaining profitability. Healthy fundamentals in place.
Why This Signature
Member Growth (YoY):
3.58%
(Tier:
0.88%, National:
9.37%)
Return on Assets:
0.39%
(Tier:
0.77%, National:
0.71%)
Indirect Auto %:
0.00%
(Tier:
13.96%, National:
7.90%)
603 of 1077 Community CUs have this signature
| 917 nationally
→ Stable (608→603 CUs)
-5 CUs YoY
|
New qualifier
Concerns (2)
Efficiency Drag
risk
#146 of 521 • Bottom 8.2% in tier
High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Why This Signature
Efficiency Ratio:
88.03%
(Tier:
77.15%, National:
79.10%)
ROA Change (YoY):
-0.06% points
(Tier:
0.11% points, National:
0.05% points)
Member Growth (YoY):
3.58%
(Tier:
0.88%, National:
9.37%)
521 of 1077 Community CUs have this signature
| 624 nationally
↓ Shrinking
-113 CUs YoY
|
Rank improving
Liquidity Strain
risk
#148 of 258 • Bottom 19.0% in tier
Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Why This Signature
Loan-to-Share Ratio:
93.80%
(Tier:
74.56%, National:
67.96%)
Loan Growth (YoY):
5.84%
(Tier:
3.64%, National:
36.38%)
258 of 1077 Community CUs have this signature
| 484 nationally
↓ Shrinking
-28 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)
Top Strengths (8 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 13.34%
#1 of 1077
Top 0.0% in 100M-500M tier
8
Average Member Relationship (AMR)
engagement
Value:
$68,990
Peer Avg: $24,363
#8 of 1077
Top 0.6% in 100M-500M tier
9
Loan-to-Member Ratio (LMR)
engagement
Value:
$33,392
Peer Avg: $10,245
#9 of 1077
Top 0.7% in 100M-500M tier
30
Net Charge-Off Rate
risk
Value:
0.01%
Peer Avg: 0.47%
#30 of 1077
Top 2.7% in 100M-500M tier
67
Asset Growth Rate
growth
Value:
11.93%
Peer Avg: 4.70%
#67 of 1077
Top 6.1% in 100M-500M tier
78
Deposit Growth Rate
growth
Value:
11.99%
Peer Avg: 4.69%
#78 of 1077
Top 7.1% in 100M-500M tier
101
Loan-to-Share Ratio
balance_sheet
Value:
93.80%
Peer Avg: 72.70%
#101 of 1077
Top 9.3% in 100M-500M tier
163
Member Growth Rate
growth
Value:
3.58%
Peer Avg: 0.72%
#163 of 1077
Top 15.0% in 100M-500M tier
Top Weaknesses (11 metrics)
1076
Share Certificate Concentration (%)
balance_sheet
Value:
57.27%
Peer Avg: 23.61%
#1076 of 1077
Bottom 0.2% in 100M-500M tier
1072
Total Members
engagement
Value:
3,215
Peer Avg: 15,628
#1072 of 1077
Bottom 0.6% in 100M-500M tier
1044
Fee Income Per Member
profitability
Value:
$52.09
Peer Avg: $174.31
#1044 of 1077
Bottom 3.2% in 100M-500M tier
1004
Net Worth Ratio
risk
Value:
8.36%
Peer Avg: 12.15%
#1004 of 1077
Bottom 6.9% in 100M-500M tier
957
Total Delinquency Rate (60+ days)
risk
Value:
1.66%
Peer Avg: 0.86%
#957 of 1077
Bottom 11.2% in 100M-500M tier
955
First Mortgage Concentration (%)
balance_sheet
Value:
52.49%
Peer Avg: 30.43%
#955 of 1077
Bottom 11.4% in 100M-500M tier
926
Efficiency Ratio
profitability
Value:
88.03%
Peer Avg: 77.28%
#926 of 1077
Bottom 14.1% in 100M-500M tier
867
Total Assets
balance_sheet
Value:
$128.33M
Peer Avg: $231.30M
#867 of 1077
Bottom 19.6% in 100M-500M tier
852
Total Deposits
balance_sheet
Value:
$114.45M
Peer Avg: $200.29M
#852 of 1077
Bottom 21.0% in 100M-500M tier
835
Net Interest Margin (NIM)
profitability
Value:
3.08%
Peer Avg: 3.58%
#835 of 1077
Bottom 22.6% in 100M-500M tier