CARTER

Charter #9164 | LA

500M-750M (169 CUs) Community (281 CUs)
1 500M-750M in LA

CARTER has 4 strengths but faces 11 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Loan-to-Share Ratio: Top 3.0% in tier
  • + Total Assets: Top 3.6% in tier
  • + Fee Income Per Member: Top 4.1% in tier
  • + Total Loans: Top 5.9% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 1.4% in tier
  • - Deposit Outflow: Bottom 3.4% in tier
  • - Shrinking Wallet Share: Bottom 7.6% in tier
  • - Wealth Migration Risk: Bottom 11.8% in tier
  • - Liquidity Strain: Bottom 14.2% in tier
  • - ROA 0.29% below tier average
  • - Delinquency rate 2.94% above tier average
  • - Total Delinquency Rate (60+ days): Bottom 0.6% in tier
  • - Net Charge-Off Rate: Bottom 2.4% in tier
  • - Share Certificate Concentration (%): Bottom 2.4% in tier
  • - Deposit Growth Rate: Bottom 7.7% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Members 34,797
+0.2% YoY-0.4% QoQ
 -5.0K 39,752
-2.7% YoY
 9,352
+2.6% YoY
 33,089
+6.1% YoY
 37th in tier
Assets $743.1M
-2.7% YoY-1.2% QoQ
 +$120.8M $622.4M
+0.3% YoY
 $121.4M
+4.9% YoY
 $547.7M
+7.8% YoY
 Top 4.1% in tier
Loans $579.1M
-5.5% YoY-1.9% QoQ
 +$143.2M $435.9M
-0.4% YoY
 $86.9M
+5.1% YoY
 $388.7M
+8.6% YoY
 Top 6.5% in tier
Deposits $559.8M
-2.9% YoY-3.0% QoQ
 +$21.7M $538.0M
+1.3% YoY
 $103.9M
+6.5% YoY
 $464.6M
+9.3% YoY
 64th in tier
ROA 0.4%
+218.4% YoY-16.0% QoQ
 -0.3% 0.7%
+33.9% YoY
 0.5%
+1.1% YoY
 0.7%
+273.4% YoY
 32nd in tier
NIM 2.9%
+4.9% YoY+4.5% QoQ
 -0.6% 3.4%
+8.6% YoY
 4.3%
+3.2% YoY
 3.7%
+5.0% YoY
 Bottom 14.8% in tier
Efficiency Ratio 74.7%
-3.7% YoY+0.9% QoQ
 -3.4% 78.1%
-3.4% YoY
 82.9%
-3.6% YoY
 79.1%
-3.3% YoY
 31st in tier
Delinquency Rate 3.7%
+41.9% YoY+14.7% QoQ
 +2.9 0.8%
-4.9% YoY
 1.8%
-12.2% YoY
 1.2%
-0.9% YoY
 Top 0.6% in tier
Loan To Share 103.5%
-2.7% YoY+1.1% QoQ
 +22.4% 81.0%
-1.8% YoY
 70.9%
-2.6% YoY
 68.0%
-1.7% YoY
 Top 3.6% in tier
AMR $32,729
-4.4% YoY-2.0% QoQ
 +$6K $26,482
+2.6% YoY
 $13,297
+2.9% YoY
 $19,418
+1.3% YoY
 Top 16.0% in tier
CD Concentration 44.0%
+4.4% YoY+1.5% QoQ
 +19.6% 24.4%
+4.2% YoY
 15.0%
+9.1% YoY
 19.6%
+6.2% YoY
 Top 3.5% in tier
Indirect Auto % 10.4%
-26.8% YoY-21.0% QoQ
 -3.6% 14.0%
-5.8% YoY
 5.3%
+10.6% YoY
 7.9%
-2.9% YoY
 54th in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Credit Quality Pressure

risk
#35 of 736 • Bottom 1.4% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 1.11% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 281 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank improving

Deposit Outflow

decline
#21 of 114 • Bottom 3.4% in tier

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

Why This Signature
Deposit Growth (YoY): -2.88%
(Tier: 4.79%, National: 12.00%)
worse than tier avg
Total Assets: $743.14M
(Tier: $622.38M, National: $547.69M)
but better than tier avg
114 of 281 Community CUs have this signature | 143 nationally
↓ Shrinking -169 CUs YoY | New qualifier

Shrinking Wallet Share

decline
#77 of 244 • Bottom 7.6% in tier

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

Why This Signature
AMR Growth (YoY): -4.37%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 281 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY | New qualifier

Wealth Migration Risk

decline
#14 of 28 • Bottom 11.8% in tier

High-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.

Why This Signature
Avg Member Relationship: $32.7K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
AMR Growth (YoY): -4.37%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
Total Assets: $743.14M
(Tier: $622.38M, National: $547.69M)
but better than tier avg
28 of 281 Community CUs have this signature | 39 nationally
↓ Shrinking -32 CUs YoY | New qualifier

Liquidity Strain

risk
#111 of 258 • Bottom 14.2% in tier

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

Why This Signature
Loan-to-Share Ratio: 103.45%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): -5.45%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
258 of 281 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)

Comparing against 169 peers in tier

Top Strengths (6 metrics)

6
Loan-to-Share Ratio
balance_sheet
Value: 103.45%
Peer Avg: 81.02%
#6 of 169 Top 3.0% in 500M-750M tier
7
Total Assets
balance_sheet
Value: $743.14M
Peer Avg: $622.38M
#7 of 169 Top 3.6% in 500M-750M tier
8
Fee Income Per Member
profitability
Value: $328.02
Peer Avg: $199.27
#8 of 169 Top 4.1% in 500M-750M tier
11
Total Loans
balance_sheet
Value: $579.10M
Peer Avg: $435.95M
#11 of 169 Top 5.9% in 500M-750M tier
19
Loan-to-Member Ratio (LMR)
engagement
Value: $16,642
Peer Avg: $11,805
#19 of 169 Top 10.7% in 500M-750M tier
27
Average Member Relationship (AMR)
engagement
Value: $32,729
Peer Avg: $26,482
#27 of 169 Top 15.4% in 500M-750M tier

Top Weaknesses (10 metrics)

169
Total Delinquency Rate (60+ days)
risk
Value: 3.74%
Peer Avg: 0.80%
#169 of 169 Bottom 0.6% in 500M-750M tier
166
Net Charge-Off Rate
risk
Value: 1.53%
Peer Avg: 0.51%
#166 of 169 Bottom 2.4% in 500M-750M tier
166
Share Certificate Concentration (%)
balance_sheet
Value: 44.01%
Peer Avg: 26.87%
#166 of 169 Bottom 2.4% in 500M-750M tier
157
Deposit Growth Rate
growth
Value: -2.88%
Peer Avg: 5.25%
#157 of 169 Bottom 7.7% in 500M-750M tier
153
AMR Growth Rate
growth
Value: -4.37%
Peer Avg: 3.12%
#153 of 169 Bottom 10.1% in 500M-750M tier
151
Loan Growth Rate
growth
Value: -5.45%
Peer Avg: 4.04%
#151 of 169 Bottom 11.2% in 500M-750M tier
149
Asset Growth Rate
growth
Value: -2.71%
Peer Avg: 4.33%
#149 of 169 Bottom 12.4% in 500M-750M tier
144
Net Interest Margin (NIM)
profitability
Value: 2.86%
Peer Avg: 3.43%
#144 of 169 Bottom 15.4% in 500M-750M tier
136
First Mortgage Concentration (%)
balance_sheet
Value: 46.20%
Peer Avg: 33.53%
#136 of 169 Bottom 20.1% in 500M-750M tier
131
Net Worth Ratio
risk
Value: 9.13%
Peer Avg: 10.94%
#131 of 169 Bottom 23.1% in 500M-750M tier