OTIS

Charter #9349 | ME

100M-500M (1077 CUs) Micro
33 100M-500M in ME

OTIS has 8 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 2.8% in tier
  • + Wallet Share Momentum: Top 12.5% in tier
  • + Relationship Depth Leader: Top 22.0% in tier
  • + ROA 0.67% above tier average
  • + Strong member growth: 7.4% YoY
  • + Loan Growth Rate: Top 2.8% in tier
  • + Efficiency Ratio: Top 3.9% in tier
  • + Member Growth Rate: Top 5.2% in tier

Key Concerns

Areas that may need attention

  • - Growth-at-Risk: Bottom 1.9% in tier
  • - Liquidity Overhang: Bottom 3.8% in tier
  • - Credit Quality Pressure: Bottom 11.1% in tier
  • - Indirect Auto Dependency: Bottom 15.9% in tier
  • - Delinquency rate 0.19% above tier average

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (ME) National Avg Tier Percentile
Members 12,371
+7.4% YoY+1.8% QoQ
 -3.3K 15,628
-3.4% YoY
 15,972
+1.7% YoY
 33,089
+6.1% YoY
 44th in tier
Assets $283.2M
+10.0% YoY+1.3% QoQ
 +$51.9M $231.3M
-0.0% YoY
 $270.6M
+5.7% YoY
 $547.7M
+7.8% YoY
 71st in tier
Loans $131.6M
+22.1% YoY+5.0% QoQ
 $-16.2M $147.8M
-1.4% YoY
 $188.4M
+4.5% YoY
 $388.7M
+8.6% YoY
 54th in tier
Deposits $235.8M
+10.2% YoY+1.0% QoQ
 +$35.5M $200.3M
-0.0% YoY
 $236.4M
+5.3% YoY
 $464.6M
+9.3% YoY
 68th in tier
ROA 1.5%
-1.4% YoY-4.9% QoQ
 +0.7% 0.8%
+15.5% YoY
 0.9%
+6.3% YoY
 0.7%
+273.4% YoY
 Top 13.6% in tier
NIM 3.0%
+8.2% YoY+0.9% QoQ
 -0.6% 3.6%
+6.9% YoY
 3.6%
+6.2% YoY
 3.7%
+5.0% YoY
 Bottom 20.1% in tier
Efficiency Ratio 54.6%
-3.0% YoY-0.7% QoQ
 -22.7% 77.3%
-3.0% YoY
 76.0%
-2.1% YoY
 79.1%
-3.3% YoY
 Bottom 3.9% in tier
Delinquency Rate 1.0%
+37.3% YoY+24.3% QoQ
 +0.2 0.9%
+7.6% YoY
 0.8%
+28.5% YoY
 1.2%
-0.9% YoY
 72nd in tier
Loan To Share 55.8%
+10.8% YoY+4.0% QoQ
 -16.9% 72.7%
-1.5% YoY
 75.4%
-1.4% YoY
 68.0%
-1.7% YoY
 Bottom 16.1% in tier
AMR $29,695
+6.2% YoY+0.6% QoQ
 +$5K $24,363
+2.9% YoY
 $25,292
+3.8% YoY
 $19,418
+1.3% YoY
 Top 17.5% in tier
CD Concentration 22.0%
+13.0% YoY+5.4% QoQ
 -2.4% 24.4%
+4.2% YoY
 25.0%
+4.9% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 23.0%
+122.2% YoY+8.3% QoQ
 +9.0% 14.0%
-5.8% YoY
 15.8%
+6.7% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Organic Growth Engine

growth
#53 of 603 • Top 2.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 7.44%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 1.46%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 23.01%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Wallet Share Momentum

growth
#345 of 1006 • Top 12.5% in tier

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

Why This Signature
AMR Growth (YoY): 6.24%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#606 of 1006 • Top 22.0% in tier

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

Why This Signature
AMR Growth (YoY): 6.24%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.0K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Concerns (4)

Growth-at-Risk

risk
#30 of 446 • Bottom 1.9% in tier

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

Why This Signature
Loan Growth (YoY): 22.10%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.28% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 1077 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | Rank worsening

Liquidity Overhang

risk
#59 of 552 • Bottom 3.8% 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: 16.01%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 55.79%
(Tier: 74.56%, National: 67.96%)
worse than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank worsening

Credit Quality Pressure

risk
#275 of 736 • Bottom 11.1% in tier

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

Why This Signature
Delinquency Change (YoY): 0.28% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank worsening

Indirect Auto Dependency

risk
#257 of 525 • Bottom 15.9% in tier

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

Why This Signature
Asset Growth (YoY): 10.02%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 23.01%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 7.44%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 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 (9 metrics)

31
Loan Growth Rate
growth
Value: 22.10%
Peer Avg: 3.45%
#31 of 1077 Top 2.8% in 100M-500M tier
43
Efficiency Ratio
profitability
Value: 54.56%
Peer Avg: 77.28%
#43 of 1077 Top 3.9% in 100M-500M tier
57
Member Growth Rate
growth
Value: 7.44%
Peer Avg: 0.72%
#57 of 1077 Top 5.2% in 100M-500M tier
118
Net Worth Ratio
risk
Value: 16.01%
Peer Avg: 12.15%
#118 of 1077 Top 10.9% in 100M-500M tier
121
Asset Growth Rate
growth
Value: 10.02%
Peer Avg: 4.70%
#121 of 1077 Top 11.1% in 100M-500M tier
122
Deposit Growth Rate
growth
Value: 10.15%
Peer Avg: 4.69%
#122 of 1077 Top 11.2% in 100M-500M tier
147
Return on Assets (ROA)
profitability
Value: 1.46%
Peer Avg: 0.79%
#147 of 1077 Top 13.6% in 100M-500M tier
159
Members Per Employee (MPE)
engagement
Value: 426.586
Peer Avg: 332.881
#159 of 1077 Top 14.7% in 100M-500M tier
189
Average Member Relationship (AMR)
engagement
Value: $29,695
Peer Avg: $24,363
#189 of 1077 Top 17.5% in 100M-500M tier

Top Weaknesses (3 metrics)

904
Loan-to-Share Ratio
balance_sheet
Value: 55.79%
Peer Avg: 72.70%
#904 of 1077 Bottom 16.2% in 100M-500M tier
860
Net Interest Margin (NIM)
profitability
Value: 3.02%
Peer Avg: 3.58%
#860 of 1077 Bottom 20.2% in 100M-500M tier
822
Indirect Auto Concentration (%)
balance_sheet
Value: 23.01%
Peer Avg: 13.34%
#822 of 1077 Bottom 23.8% in 100M-500M tier