NEIGHBORS

Charter #9229 | LA

1B-3B (304 CUs) Mid-Market (380 CUs)
4 1B-3B in LA

NEIGHBORS has 5 strengths but faces 11 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 20.8% in tier
  • + Emerging Performer: Top 28.7% in tier
  • + Wallet Share Momentum: Top 32.1% in tier
  • + Net Interest Margin 0.06% above tier average
  • + First Mortgage Concentration (%): Top 9.9% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 14.3% in tier
  • - Credit Quality Pressure: Bottom 21.6% in tier
  • - Liquidity Strain: Bottom 24.0% in tier
  • - Growth-at-Risk: Bottom 27.9% in tier
  • - Stagnation Risk: Bottom 29.3% in tier
  • - Membership Headwinds: Bottom 31.4% in tier
  • - ROA 0.24% below tier average
  • - Efficiency ratio 3.45% above tier (higher cost structure)
  • - Delinquency rate 0.76% above tier average
  • - Net Charge-Off Rate: Bottom 6.2% in tier
  • - Total Delinquency Rate (60+ days): Bottom 9.2% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Members 81,621
-0.7% YoY-0.2% QoQ
 -17.1K 98,678
-1.9% YoY
 9,352
+2.6% YoY
 33,089
+6.1% YoY
 42nd in tier
Assets $1.3B
-1.1% YoY-0.1% QoQ
 $-386.3M $1.7B
+0.5% YoY
 $121.4M
+4.9% YoY
 $547.7M
+7.8% YoY
 32nd in tier
Loans $1.1B
+1.8% YoY+2.0% QoQ
 $-112.2M $1.2B
+0.5% YoY
 $86.9M
+5.1% YoY
 $388.7M
+8.6% YoY
 51st in tier
Deposits $1.2B
-0.1% YoY-0.3% QoQ
 $-278.9M $1.5B
+1.3% YoY
 $103.9M
+6.5% YoY
 $464.6M
+9.3% YoY
 40th in tier
ROA 0.5%
-254.1% YoY+38.2% QoQ
 -0.2% 0.7%
+13.4% YoY
 0.5%
+1.1% YoY
 0.7%
+273.4% YoY
 30th in tier
NIM 3.3%
+7.5% YoY+2.8% QoQ
 +0.1% 3.3%
+9.3% YoY
 4.3%
+3.2% YoY
 3.7%
+5.0% YoY
 53rd in tier
Efficiency Ratio 77.4%
-7.5% YoY-2.5% QoQ
 +3.5% 74.0%
-10.9% YoY
 82.9%
-3.6% YoY
 79.1%
-3.3% YoY
 62nd in tier
Delinquency Rate 1.6%
+3.2% YoY-4.4% QoQ
 +0.8 0.8%
+6.1% YoY
 1.8%
-12.2% YoY
 1.2%
-0.9% YoY
 Top 9.2% in tier
Loan To Share 95.4%
+1.9% YoY+2.3% QoQ
 +10.2% 85.2%
-0.8% YoY
 70.9%
-2.6% YoY
 68.0%
-1.7% YoY
 Top 24.0% in tier
AMR $28,134
+1.5% YoY+1.1% QoQ
 $-1K $29,172
+2.8% YoY
 $13,297
+2.9% YoY
 $19,418
+1.3% YoY
 56th in tier
CD Concentration 31.4%
+5.6% YoY+1.5% QoQ
 +2.4% 29.0%
+0.8% YoY
 15.0%
+9.1% YoY
 19.6%
+6.2% YoY
 64th in tier
Indirect Auto % 40.3%
+2.1% YoY-1.2% QoQ
 +21.5% 18.8%
-2.8% YoY
 5.3%
+10.6% YoY
 7.9%
-2.9% YoY
 Top 11.6% in tier

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth
#151 of 264 • Top 20.8% in tier

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

Why This Signature
AMR Growth (YoY): 1.53%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $4.0K
(Tier: $3.1K, National: $2.0K)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Emerging Performer

growth
#153 of 184 • Top 28.7% in tier

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

Why This Signature
Return on Assets: 0.47%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): -0.70%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | New qualifier

Wallet Share Momentum

growth
#233 of 264 • Top 32.1% in tier

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

Why This Signature
AMR Growth (YoY): 1.53%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Concerns (6)

Indirect Auto Dependency

risk
#89 of 202 • Bottom 14.3% in tier

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

Why This Signature
Asset Growth (YoY): -1.08%
(Tier: 5.36%, National: 3.04%)
worse than tier avg
Indirect Auto %: 40.34%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -0.70%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank worsening

Credit Quality Pressure

risk
#166 of 217 • Bottom 21.6% in tier

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

Why This Signature
Delinquency Change (YoY): 0.05% points
(Tier: 0.07% points, National: 0.07% points)
but better than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank worsening

Liquidity Strain

risk
#127 of 183 • Bottom 24.0% in tier

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

Why This Signature
Loan-to-Share Ratio: 95.36%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 1.83%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY | Rank improving

Growth-at-Risk

risk
#156 of 161 • Bottom 27.9% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 1.83%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 0.05% points
(Tier: 0.07% points, National: 0.07% points)
but better than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 CUs YoY | Rank worsening

Stagnation Risk

risk
#71 of 85 • Bottom 29.3% 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: 0.47%
(Tier: 0.71%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -0.70%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $28.1K
(Tier: $29.2K, National: $19.4K)
worse than tier avg
CD Concentration: 31.43%
(Tier: 28.98%, National: 19.60%)
worse than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 CUs YoY | New qualifier

Membership Headwinds

decline
#76 of 85 • Bottom 31.4% in tier

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

Why This Signature
Member Growth (YoY): -0.70%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 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 304 peers in tier

Top Strengths (3 metrics)

31
First Mortgage Concentration (%)
balance_sheet
Value: 17.16%
Peer Avg: 34.01%
#31 of 304 Top 9.9% in 1B-3B tier
57
Fee Income Per Member
profitability
Value: $261.83
Peer Avg: $210.52
#57 of 304 Top 18.4% in 1B-3B tier
73
Loan-to-Share Ratio
balance_sheet
Value: 95.36%
Peer Avg: 85.19%
#73 of 304 Top 23.7% in 1B-3B tier

Top Weaknesses (6 metrics)

286
Net Charge-Off Rate
risk
Value: 1.31%
Peer Avg: 0.60%
#286 of 304 Bottom 6.2% in 1B-3B tier
277
Total Delinquency Rate (60+ days)
risk
Value: 1.58%
Peer Avg: 0.83%
#277 of 304 Bottom 9.2% in 1B-3B tier
273
Indirect Auto Concentration (%)
balance_sheet
Value: 40.34%
Peer Avg: 18.32%
#273 of 304 Bottom 10.5% in 1B-3B tier
266
Asset Growth Rate
growth
Value: -1.08%
Peer Avg: 4.83%
#266 of 304 Bottom 12.8% in 1B-3B tier
260
Deposit Growth Rate
growth
Value: -0.12%
Peer Avg: 5.58%
#260 of 304 Bottom 14.8% in 1B-3B tier
233
Member Growth Rate
growth
Value: -0.70%
Peer Avg: 2.20%
#233 of 304 Bottom 23.7% in 1B-3B tier