AMERICA'S CREDIT UNION, A

Charter #9373 | WA

500M-750M (169 CUs) Community (281 CUs)
4 500M-750M in WA

AMERICA'S CREDIT UNION, A has 7 strengths but faces 10 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 5.2% in tier
  • + Wallet Share Momentum: Top 17.2% in tier
  • + Fee Income Per Member: Top 2.4% in tier
  • + Loan-to-Member Ratio (LMR): Top 5.3% in tier
  • + Loan-to-Share Ratio: Top 5.9% in tier
  • + Average Member Relationship (AMR): Top 7.1% in tier
  • + Total Loans: Top 8.9% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 7.9% in tier
  • - Credit Quality Pressure: Bottom 8.6% in tier
  • - Liquidity Strain: Bottom 9.6% in tier
  • - Growth-at-Risk: Bottom 14.1% in tier
  • - Membership Headwinds: Bottom 17.0% in tier
  • - Stagnation Risk: Bottom 19.0% in tier
  • - ROA 0.45% below tier average
  • - Efficiency ratio 11.81% above tier (higher cost structure)
  • - Member decline: -2.5% YoY
  • - Members Per Employee (MPE): Bottom 1.2% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (WA) National Avg Tier Percentile
Members 29,041
-2.5% YoY-0.3% QoQ
 -10.7K 39,752
-2.7% YoY
 65,720
+2.5% YoY
 33,089
+6.1% YoY
 Bottom 16.0% in tier
Assets $704.4M
+1.7% YoY+1.4% QoQ
 +$82.0M $622.4M
+0.3% YoY
 $1.2B
+3.7% YoY
 $547.7M
+7.8% YoY
 Top 20.7% in tier
Loans $557.3M
+3.5% YoY+2.3% QoQ
 +$121.4M $435.9M
-0.4% YoY
 $909.1M
+5.1% YoY
 $388.7M
+8.6% YoY
 Top 9.5% in tier
Deposits $552.9M
+1.5% YoY+0.5% QoQ
 +$14.9M $538.0M
+1.3% YoY
 $1.0B
+6.5% YoY
 $464.6M
+9.3% YoY
 59th in tier
ROA 0.2%
+562.3% YoY-1.0% QoQ
 -0.5% 0.7%
+33.9% YoY
 0.6%
+9.9% YoY
 0.7%
+273.4% YoY
 Bottom 16.0% in tier
NIM 3.2%
+3.3% YoY+0.2% QoQ
 -0.2% 3.4%
+8.6% YoY
 3.7%
+4.7% YoY
 3.7%
+5.0% YoY
 34th in tier
Efficiency Ratio 89.9%
+0.5% YoY+1.2% QoQ
 +11.8% 78.1%
-3.4% YoY
 76.4%
-1.1% YoY
 79.1%
-3.3% YoY
 Top 10.1% in tier
Delinquency Rate 0.5%
+402.0% YoY+47.8% QoQ
 -0.3 0.8%
-4.9% YoY
 0.9%
-2.6% YoY
 1.2%
-0.9% YoY
 31st in tier
Loan To Share 100.8%
+2.0% YoY+1.9% QoQ
 +19.8% 81.0%
-1.8% YoY
 76.9%
-2.2% YoY
 68.0%
-1.7% YoY
 Top 6.5% in tier
AMR $38,232
+5.1% YoY+1.7% QoQ
 +$12K $26,482
+2.6% YoY
 $28,761
+2.7% YoY
 $19,418
+1.3% YoY
 Top 7.7% in tier
CD Concentration 22.1%
-11.1% YoY+2.0% QoQ
 -2.3% 24.4%
+4.2% YoY
 22.3%
+2.5% YoY
 19.6%
+6.2% YoY
 42nd in tier
Indirect Auto % 2.3%
+95.3% YoY+26.5% QoQ
 -11.7% 14.0%
-5.8% YoY
 17.1%
-8.4% YoY
 7.9%
-2.9% YoY
 40th in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth
#144 of 1006 • Top 5.2% in tier

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

Why This Signature
AMR Growth (YoY): 5.08%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $4.6K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#475 of 1006 • Top 17.2% in tier

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

Why This Signature
AMR Growth (YoY): 5.08%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Concerns (6)

Efficiency Drag

risk
#140 of 521 • Bottom 7.9% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 89.91%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.18% points
(Tier: 0.11% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): -2.46%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 281 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank improving

Credit Quality Pressure

risk
#213 of 736 • Bottom 8.6% in tier

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

Why This Signature
Delinquency Change (YoY): 0.37% 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 | New qualifier

Liquidity Strain

risk
#75 of 258 • Bottom 9.6% in tier

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

Why This Signature
Loan-to-Share Ratio: 100.79%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 3.53%
(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 improving

Growth-at-Risk

risk
#212 of 446 • Bottom 14.1% in tier

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

Why This Signature
Loan Growth (YoY): 3.53%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 0.37% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 281 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | New qualifier

Membership Headwinds

decline
#280 of 550 • Bottom 17.0% in tier

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

Why This Signature
Member Growth (YoY): -2.46%
(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 | Rank worsening

Stagnation Risk

risk
#314 of 550 • Bottom 19.0% 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: 0.21%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -2.46%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $38.2K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 22.12%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 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)

5
Fee Income Per Member
profitability
Value: $357.55
Peer Avg: $199.27
#5 of 169 Top 2.4% in 500M-750M tier
10
Loan-to-Member Ratio (LMR)
engagement
Value: $19,191
Peer Avg: $11,805
#10 of 169 Top 5.3% in 500M-750M tier
11
Loan-to-Share Ratio
balance_sheet
Value: 100.79%
Peer Avg: 81.02%
#11 of 169 Top 5.9% in 500M-750M tier
13
Average Member Relationship (AMR)
engagement
Value: $38,232
Peer Avg: $26,482
#13 of 169 Top 7.1% in 500M-750M tier
16
Total Loans
balance_sheet
Value: $557.34M
Peer Avg: $435.95M
#16 of 169 Top 8.9% in 500M-750M tier
35
Total Assets
balance_sheet
Value: $704.38M
Peer Avg: $622.38M
#35 of 169 Top 20.1% in 500M-750M tier

Top Weaknesses (6 metrics)

168
Members Per Employee (MPE)
engagement
Value: 193.607
Peer Avg: 338.010
#168 of 169 Bottom 1.2% in 500M-750M tier
153
Efficiency Ratio
profitability
Value: 89.91%
Peer Avg: 78.10%
#153 of 169 Bottom 10.1% in 500M-750M tier
143
Member Growth Rate
growth
Value: -2.46%
Peer Avg: 1.75%
#143 of 169 Bottom 16.0% in 500M-750M tier
142
Return on Assets (ROA)
profitability
Value: 0.21%
Peer Avg: 0.66%
#142 of 169 Bottom 16.6% in 500M-750M tier
142
Total Members
engagement
Value: 29,041
Peer Avg: 39,752
#142 of 169 Bottom 16.6% in 500M-750M tier
130
Deposit Growth Rate
growth
Value: 1.47%
Peer Avg: 5.25%
#130 of 169 Bottom 23.7% in 500M-750M tier