MARKET USA

Charter #9003 | MD

100M-500M (1077 CUs) Micro
16 100M-500M in MD

MARKET USA has 4 strengths but faces 16 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 29.6% in tier
  • + Net Interest Margin 1.94% above tier average
  • + Net Worth Ratio: Top 4.0% in tier
  • + Members Per Employee (MPE): Top 4.9% in tier

Key Concerns

Areas that may need attention

  • - Shrinking Wallet Share: Bottom 5.1% in tier
  • - Liquidity Overhang: Bottom 9.8% in tier
  • - Indirect Auto Dependency: Bottom 10.2% in tier
  • - Accelerating Exit Risk: Bottom 11.1% in tier
  • - Institutional Decline: Bottom 23.9% in tier
  • - Membership Headwinds: Bottom 32.7% in tier
  • - Stagnation Risk: Bottom 33.4% in tier
  • - ROA 0.73% below tier average
  • - Delinquency rate 1.16% above tier average
  • - Average Member Relationship (AMR): Bottom 0.2% in tier
  • - Net Charge-Off Rate: Bottom 0.6% in tier
  • - Loan Growth Rate: Bottom 0.9% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 3.0% in tier
  • - AMR Growth Rate: Bottom 3.8% in tier
  • - Indirect Auto Concentration (%): Bottom 4.1% in tier
  • - Total Delinquency Rate (60+ days): Bottom 6.4% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
Members 20,073
-0.6% YoY+0.3% QoQ
 +4.4K 15,628
-3.4% YoY
 34,720
+7.7% YoY
 33,089
+6.1% YoY
 Top 24.5% in tier
Assets $137.9M
+1.1% YoY-1.0% QoQ
 $-93.4M $231.3M
-0.0% YoY
 $624.1M
+9.4% YoY
 $547.7M
+7.8% YoY
 Bottom 24.8% in tier
Loans $88.7M
-15.0% YoY-4.0% QoQ
 $-59.1M $147.8M
-1.4% YoY
 $452.1M
+10.3% YoY
 $388.7M
+8.6% YoY
 28th in tier
Deposits $111.1M
+2.7% YoY-0.5% QoQ
 $-89.2M $200.3M
-0.0% YoY
 $528.8M
+10.3% YoY
 $464.6M
+9.3% YoY
 Bottom 18.5% in tier
ROA 0.1%
-137.7% YoY-63.0% QoQ
 -0.7% 0.8%
+15.5% YoY
 0.6%
+23.1% YoY
 0.7%
+273.4% YoY
 Bottom 8.4% in tier
NIM 5.5%
-2.4% YoY+0.6% QoQ
 +1.9% 3.6%
+6.9% YoY
 3.5%
+4.2% YoY
 3.7%
+5.0% YoY
 Top 0.7% in tier
Efficiency Ratio 73.2%
-7.0% YoY-0.6% QoQ
 -4.1% 77.3%
-3.0% YoY
 78.6%
-6.6% YoY
 79.1%
-3.3% YoY
 35th in tier
Delinquency Rate 2.0%
-21.3% YoY-23.8% QoQ
 +1.2 0.9%
+7.6% YoY
 1.2%
+5.3% YoY
 1.2%
-0.9% YoY
 Top 6.4% in tier
Loan To Share 79.9%
-17.3% YoY-3.5% QoQ
 +7.2% 72.7%
-1.5% YoY
 65.0%
-0.2% YoY
 68.0%
-1.7% YoY
 62nd in tier
AMR $9,953
-5.5% YoY-2.3% QoQ
 $-14K $24,363
+2.9% YoY
 $20,685
+4.6% YoY
 $19,418
+1.3% YoY
 Bottom 0.1% in tier
CD Concentration 23.1%
+2.7% YoY+3.5% QoQ
 -1.3% 24.4%
+4.2% YoY
 20.4%
+10.6% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 48.4%
-10.8% YoY-2.6% QoQ
 +34.4% 14.0%
-5.8% YoY
 7.4%
+4.0% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (1)

Emerging Performer

growth
#556 of 627 • Top 29.6% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.06%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): -0.58%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | New qualifier

Concerns (7)

Shrinking Wallet Share

decline
#52 of 244 • Bottom 5.1% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -5.45%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 1077 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY

Liquidity Overhang

risk
#152 of 552 • Bottom 9.8% 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: 18.88%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 79.86%
(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 improving

Indirect Auto Dependency

risk
#164 of 525 • Bottom 10.2% in tier

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

Why This Signature
Asset Growth (YoY): 1.15%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 48.41%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -0.58%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank worsening

Accelerating Exit Risk

decline
#30 of 58 • Bottom 11.1% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature
Member Growth (YoY): -0.58%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
AMR Growth (YoY): -5.45%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
58 of 1077 Community CUs have this signature | 73 nationally
↓ Shrinking -89 CUs YoY | New qualifier

Institutional Decline

decline
#189 of 256 • Bottom 23.9% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $137.88M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
Member Growth (YoY): -0.58%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -15.04%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
256 of 1077 Community CUs have this signature | 293 nationally
↓ Shrinking -43 CUs YoY | New qualifier

Membership Headwinds

decline
#539 of 550 • Bottom 32.7% in tier

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

Why This Signature
Member Growth (YoY): -0.58%
(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 | New qualifier

Stagnation Risk

risk
#550 of 550 • Bottom 33.4% 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: 0.06%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -0.58%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $10.0K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 23.10%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 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 (5 metrics)

8
Net Interest Margin (NIM)
profitability
Value: 5.53%
Peer Avg: 3.58%
#8 of 1077 Top 0.6% in 100M-500M tier
44
Net Worth Ratio
risk
Value: 18.88%
Peer Avg: 12.15%
#44 of 1077 Top 4.0% in 100M-500M tier
54
Members Per Employee (MPE)
engagement
Value: 514.692
Peer Avg: 332.881
#54 of 1077 Top 4.9% in 100M-500M tier
142
First Mortgage Concentration (%)
balance_sheet
Value: 10.55%
Peer Avg: 30.43%
#142 of 1077 Top 13.1% in 100M-500M tier
264
Total Members
engagement
Value: 20,073
Peer Avg: 15,628
#264 of 1077 Top 24.4% in 100M-500M tier

Top Weaknesses (10 metrics)

1076
Average Member Relationship (AMR)
engagement
Value: $9,953
Peer Avg: $24,363
#1076 of 1077 Bottom 0.2% in 100M-500M tier
1072
Net Charge-Off Rate
risk
Value: 2.58%
Peer Avg: 0.47%
#1072 of 1077 Bottom 0.6% in 100M-500M tier
1068
Loan Growth Rate
growth
Value: -15.04%
Peer Avg: 3.45%
#1068 of 1077 Bottom 0.9% in 100M-500M tier
1046
Loan-to-Member Ratio (LMR)
engagement
Value: $4,419
Peer Avg: $10,245
#1046 of 1077 Bottom 3.0% in 100M-500M tier
1037
AMR Growth Rate
growth
Value: -5.45%
Peer Avg: 3.64%
#1037 of 1077 Bottom 3.8% in 100M-500M tier
1034
Indirect Auto Concentration (%)
balance_sheet
Value: 48.41%
Peer Avg: 13.34%
#1034 of 1077 Bottom 4.1% in 100M-500M tier
1009
Total Delinquency Rate (60+ days)
risk
Value: 2.02%
Peer Avg: 0.86%
#1009 of 1077 Bottom 6.4% in 100M-500M tier
986
Return on Assets (ROA)
profitability
Value: 0.06%
Peer Avg: 0.79%
#986 of 1077 Bottom 8.5% in 100M-500M tier
878
Total Deposits
balance_sheet
Value: $111.07M
Peer Avg: $200.29M
#878 of 1077 Bottom 18.6% in 100M-500M tier
810
Total Assets
balance_sheet
Value: $137.88M
Peer Avg: $231.30M
#810 of 1077 Bottom 24.9% in 100M-500M tier