CERTIFIED

Charter #9230 | CA

750M-1B (112 CUs) Community (281 CUs)
15 750M-1B in CA

CERTIFIED has 9 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 0.0% in tier
  • + Relationship Depth Leader: Top 9.8% in tier
  • + ROA 0.62% above tier average
  • + Net Interest Margin 0.44% above tier average
  • + AMR Growth Rate: Top 0.0% in tier
  • + Deposit Growth Rate: Top 2.7% in tier
  • + Net Worth Ratio: Top 2.7% in tier
  • + Asset Growth Rate: Top 4.5% in tier
  • + Members Per Employee (MPE): Top 4.5% in tier

Key Concerns

Areas that may need attention

  • - Membership Headwinds: Bottom 0.0% in tier
  • - Stagnation Risk: Bottom 0.8% in tier
  • - Liquidity Overhang: Bottom 9.7% in tier
  • - Member decline: -57.7% YoY
  • - Member Growth Rate: Bottom 0.9% in tier
  • - Average Member Relationship (AMR): Bottom 7.1% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 66,925
-57.7% YoY+1.4% QoQ
 +14.8K 52,114
-2.1% YoY
 59,606
+5.7% YoY
 33,089
+6.1% YoY
 Top 16.1% in tier
Assets $898.6M
+14.9% YoY+0.3% QoQ
 +$39.6M $859.0M
+0.0% YoY
 $1.2B
+6.2% YoY
 $547.7M
+7.8% YoY
 70th in tier
Loans $569.6M
+11.4% YoY+0.5% QoQ
 $-33.7M $603.4M
+1.0% YoY
 $845.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 33rd in tier
Deposits $705.6M
+15.9% YoY+0.1% QoQ
 $-28.5M $734.2M
+0.9% YoY
 $1.0B
+8.8% YoY
 $464.6M
+9.3% YoY
 40th in tier
ROA 1.3%
+13.4% YoY+2.2% QoQ
 +0.6% 0.7%
+27.6% YoY
 0.6%
+30.0% YoY
 0.7%
+273.4% YoY
 Top 16.1% in tier
NIM 3.8%
+0.4% YoY+1.2% QoQ
 +0.4% 3.4%
+9.6% YoY
 3.3%
+6.5% YoY
 3.7%
+5.0% YoY
 Top 24.1% in tier
Efficiency Ratio 65.7%
+0.4% YoY-0.1% QoQ
 -8.9% 74.5%
-3.2% YoY
 79.3%
-6.2% YoY
 79.1%
-3.3% YoY
 Bottom 21.4% in tier
Delinquency Rate 0.5%
-27.6% YoY+24.7% QoQ
 -0.3 0.8%
+5.0% YoY
 0.7%
-38.7% YoY
 1.2%
-0.9% YoY
 33rd in tier
Loan To Share 80.7%
-3.8% YoY+0.4% QoQ
 -1.9% 82.7%
+0.1% YoY
 68.8%
-1.5% YoY
 68.0%
-1.7% YoY
 33rd in tier
AMR $19,055
+169.5% YoY-1.1% QoQ
 $-10K $28,651
+2.5% YoY
 $28,514
+2.8% YoY
 $19,418
+1.3% YoY
 Bottom 6.2% in tier
CD Concentration 28.9%
+3.6% YoY+1.6% QoQ
 +4.5% 24.4%
+4.2% YoY
 21.7%
+4.2% YoY
 19.6%
+6.2% YoY
 67th in tier
Indirect Auto % 6.8%
-7.5% YoY+0.9% QoQ
 -7.2% 14.0%
-5.8% YoY
 9.5%
-6.9% YoY
 7.9%
-2.9% YoY
 48th in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#1 of 1006 • Top 0.0% in tier

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

Why This Signature
AMR Growth (YoY): 169.48%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Relationship Depth Leader

growth
#270 of 1006 • Top 9.8% in tier

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

Why This Signature
AMR Growth (YoY): 169.48%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.1K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (3)

Membership Headwinds

decline
#1 of 550 • Bottom 0.0% in tier

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

Why This Signature
Member Growth (YoY): -57.75%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Stagnation Risk

risk
#15 of 550 • Bottom 0.8% 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: 1.33%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -57.75%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $19.1K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 28.87%
(Tier: 24.41%, National: 19.60%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Liquidity Overhang

risk
#151 of 552 • Bottom 9.7% 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: 20.49%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 80.73%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 281 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 112 peers in tier

Top Strengths (10 metrics)

1
AMR Growth Rate
growth
Value: 169.48%
Peer Avg: 4.90%
#1 of 112 Top 0.0% in 750M-1B tier
4
Deposit Growth Rate
growth
Value: 15.89%
Peer Avg: 5.03%
#4 of 112 Top 2.7% in 750M-1B tier
4
Net Worth Ratio
risk
Value: 20.49%
Peer Avg: 11.52%
#4 of 112 Top 2.7% in 750M-1B tier
6
Asset Growth Rate
growth
Value: 14.85%
Peer Avg: 4.25%
#6 of 112 Top 4.5% in 750M-1B tier
6
Members Per Employee (MPE)
engagement
Value: 548.566
Peer Avg: 361.634
#6 of 112 Top 4.5% in 750M-1B tier
18
Return on Assets (ROA)
profitability
Value: 1.33%
Peer Avg: 0.71%
#18 of 112 Top 15.2% in 750M-1B tier
18
Total Members
engagement
Value: 66,925
Peer Avg: 52,114
#18 of 112 Top 15.2% in 750M-1B tier
22
Loan Growth Rate
growth
Value: 11.44%
Peer Avg: 4.84%
#22 of 112 Top 18.8% in 750M-1B tier
25
Efficiency Ratio
profitability
Value: 65.65%
Peer Avg: 74.52%
#25 of 112 Top 21.4% in 750M-1B tier
27
Net Interest Margin (NIM)
profitability
Value: 3.81%
Peer Avg: 3.38%
#27 of 112 Top 23.2% in 750M-1B tier

Top Weaknesses (4 metrics)

112
Member Growth Rate
growth
Value: -57.75%
Peer Avg: 1.14%
#112 of 112 Bottom 0.9% in 750M-1B tier
105
Average Member Relationship (AMR)
engagement
Value: $19,055
Peer Avg: $28,651
#105 of 112 Bottom 7.1% in 750M-1B tier
99
Loan-to-Member Ratio (LMR)
engagement
Value: $8,512
Peer Avg: $12,810
#99 of 112 Bottom 12.5% in 750M-1B tier
98
First Mortgage Concentration (%)
balance_sheet
Value: 49.57%
Peer Avg: 33.64%
#98 of 112 Bottom 13.4% in 750M-1B tier