ELEVATE

Charter #9163 | UT

100M-500M (1077 CUs) Micro
13 100M-500M in UT

ELEVATE has 6 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 6.1% in tier
  • + Organic Growth Leader: Top 14.6% in tier
  • + ROA 0.93% above tier average
  • + Net Worth Ratio: Top 2.6% in tier
  • + Efficiency Ratio: Top 5.3% in tier
  • + Total Delinquency Rate (60+ days): Top 6.3% in tier

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 1.2% in tier
  • - Shrinking Wallet Share: Bottom 4.0% in tier
  • - Liquidity Overhang: Bottom 8.0% in tier
  • - Deposit Growth Rate: Bottom 0.5% in tier
  • - Asset Growth Rate: Bottom 1.0% in tier
  • - Share Certificate Concentration (%): Bottom 2.0% in tier
  • - AMR Growth Rate: Bottom 3.0% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (UT) National Avg Tier Percentile
Members 15,182
+2.8% YoY+0.6% QoQ
 -446 15,628
-3.4% YoY
 76,315
+6.4% YoY
 33,089
+6.1% YoY
 58th in tier
Assets $248.5M
-9.1% YoY+1.1% QoQ
 +$17.2M $231.3M
-0.0% YoY
 $1.2B
+10.2% YoY
 $547.7M
+7.8% YoY
 63rd in tier
Loans $154.8M
+9.2% YoY+5.8% QoQ
 +$7.0M $147.8M
-1.4% YoY
 $924.9M
+10.2% YoY
 $388.7M
+8.6% YoY
 62nd in tier
Deposits $196.7M
-12.9% YoY+0.7% QoQ
 $-3.6M $200.3M
-0.0% YoY
 $1.1B
+10.6% YoY
 $464.6M
+9.3% YoY
 58th in tier
ROA 1.7%
+40.7% YoY+7.2% QoQ
 +0.9% 0.8%
+15.5% YoY
 0.9%
+11.6% YoY
 0.7%
+273.4% YoY
 Top 6.8% in tier
NIM 3.1%
+24.6% YoY+0.7% QoQ
 -0.5% 3.6%
+6.9% YoY
 3.4%
+7.0% YoY
 3.7%
+5.0% YoY
 Bottom 22.7% in tier
Efficiency Ratio 56.8%
-9.3% YoY-3.7% QoQ
 -20.5% 77.3%
-3.0% YoY
 71.6%
-3.7% YoY
 79.1%
-3.3% YoY
 Bottom 5.3% in tier
Delinquency Rate 0.1%
-58.0% YoY-39.0% QoQ
 -0.7 0.9%
+7.6% YoY
 0.7%
+11.8% YoY
 1.2%
-0.9% YoY
 Bottom 6.3% in tier
Loan To Share 78.7%
+25.4% YoY+5.0% QoQ
 +6.0% 72.7%
-1.5% YoY
 78.2%
-2.6% YoY
 68.0%
-1.7% YoY
 60th in tier
AMR $23,151
-6.9% YoY+2.3% QoQ
 $-1K $24,363
+2.9% YoY
 $21,167
+3.5% YoY
 $19,418
+1.3% YoY
 54th in tier
CD Concentration 48.9%
+27.8% YoY+2.3% QoQ
 +24.5% 24.4%
+4.2% YoY
 27.9%
+4.6% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 11.6%
-19.6% YoY-6.7% QoQ
 -2.4% 14.0%
-5.8% YoY
 7.4%
-10.5% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Organic Growth Engine

growth
#112 of 603 • Top 6.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.78%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 1.72%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 11.61%
(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 | Rank improving

Organic Growth Leader

growth
#193 of 430 • Top 14.6% in tier

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

Why This Signature
Member Growth (YoY): 2.78%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 1077 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank improving

Concerns (3)

Deposit Outflow

decline
#8 of 114 • Bottom 1.2% in tier

Members staying but deposits leaving. They're losing to higher-yield competitors - rate pressure is real.

Why This Signature
Deposit Growth (YoY): -12.87%
(Tier: 4.79%, National: 12.00%)
worse than tier avg
Total Assets: $248.52M
(Tier: $231.30M, National: $547.69M)
but better than tier avg
114 of 1077 Community CUs have this signature | 143 nationally
↓ Shrinking -169 CUs YoY | New qualifier

Shrinking Wallet Share

decline
#41 of 244 • Bottom 4.0% in tier

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

Why This Signature
AMR Growth (YoY): -6.94%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 1077 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY | New qualifier

Liquidity Overhang

risk
#124 of 552 • Bottom 8.0% 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: 20.55%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 78.71%
(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

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)

29
Net Worth Ratio
risk
Value: 20.55%
Peer Avg: 12.15%
#29 of 1077 Top 2.6% in 100M-500M tier
58
Efficiency Ratio
profitability
Value: 56.75%
Peer Avg: 77.28%
#58 of 1077 Top 5.3% in 100M-500M tier
69
Total Delinquency Rate (60+ days)
risk
Value: 0.12%
Peer Avg: 0.86%
#69 of 1077 Top 6.3% in 100M-500M tier
73
Return on Assets (ROA)
profitability
Value: 1.72%
Peer Avg: 0.79%
#73 of 1077 Top 6.7% in 100M-500M tier
125
First Mortgage Concentration (%)
balance_sheet
Value: 8.96%
Peer Avg: 30.43%
#125 of 1077 Top 11.5% in 100M-500M tier
192
Loan Growth Rate
growth
Value: 9.22%
Peer Avg: 3.45%
#192 of 1077 Top 17.7% in 100M-500M tier
234
Member Growth Rate
growth
Value: 2.78%
Peer Avg: 0.72%
#234 of 1077 Top 21.6% in 100M-500M tier

Top Weaknesses (5 metrics)

1073
Deposit Growth Rate
growth
Value: -12.87%
Peer Avg: 4.69%
#1073 of 1077 Bottom 0.5% in 100M-500M tier
1067
Asset Growth Rate
growth
Value: -9.09%
Peer Avg: 4.70%
#1067 of 1077 Bottom 1.0% in 100M-500M tier
1056
Share Certificate Concentration (%)
balance_sheet
Value: 48.95%
Peer Avg: 23.61%
#1056 of 1077 Bottom 2.0% in 100M-500M tier
1046
AMR Growth Rate
growth
Value: -6.94%
Peer Avg: 3.64%
#1046 of 1077 Bottom 3.0% in 100M-500M tier
832
Net Interest Margin (NIM)
profitability
Value: 3.09%
Peer Avg: 3.58%
#832 of 1077 Bottom 22.8% in 100M-500M tier