APL

Charter #9475 | MD

500M-750M (169 CUs) Community (281 CUs)
6 500M-750M in MD

APL has 7 strengths but faces 1 concern

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 11.3% in tier
  • + Organic Growth Engine: Top 14.4% in tier
  • + Organic Growth Leader: Top 22.4% in tier
  • + Wallet Share Momentum: Top 23.1% in tier
  • + ROA 0.32% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Members Per Employee (MPE): Top 4.1% in tier

Key Concerns

Areas that may need attention

  • - Net Interest Margin (NIM): Bottom 7.7% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
Members 30,900
+1.6% YoY+0.4% QoQ
 -8.9K 39,752
-2.7% YoY
 34,720
+7.7% YoY
 33,089
+6.1% YoY
 Bottom 20.1% in tier
Assets $680.8M
+7.9% YoY+0.3% QoQ
 +$58.4M $622.4M
+0.3% YoY
 $624.1M
+9.4% YoY
 $547.7M
+7.8% YoY
 73rd in tier
Loans $455.1M
+3.0% YoY+0.9% QoQ
 +$19.1M $435.9M
-0.4% YoY
 $452.1M
+10.3% YoY
 $388.7M
+8.6% YoY
 59th in tier
Deposits $601.9M
+6.9% YoY-0.4% QoQ
 +$63.9M $538.0M
+1.3% YoY
 $528.8M
+10.3% YoY
 $464.6M
+9.3% YoY
 Top 21.9% in tier
ROA 1.0%
+18.8% YoY+19.9% QoQ
 +0.3% 0.7%
+33.9% YoY
 0.6%
+23.1% YoY
 0.7%
+273.4% YoY
 Top 23.1% in tier
NIM 2.6%
+10.9% YoY+1.8% QoQ
 -0.9% 3.4%
+8.6% YoY
 3.5%
+4.2% YoY
 3.7%
+5.0% YoY
 Bottom 7.1% in tier
Efficiency Ratio 68.3%
-4.8% YoY-5.3% QoQ
 -9.8% 78.1%
-3.4% YoY
 78.6%
-6.6% YoY
 79.1%
-3.3% YoY
 Bottom 13.6% in tier
Delinquency Rate 0.5%
-20.7% YoY-4.3% QoQ
 -0.3 0.8%
-4.9% YoY
 1.2%
+5.3% YoY
 1.2%
-0.9% YoY
 35th in tier
Loan To Share 75.6%
-3.7% YoY+1.3% QoQ
 -5.4% 81.0%
-1.8% YoY
 65.0%
-0.2% YoY
 68.0%
-1.7% YoY
 29th in tier
AMR $34,208
+3.5% YoY-0.3% QoQ
 +$8K $26,482
+2.6% YoY
 $20,685
+4.6% YoY
 $19,418
+1.3% YoY
 Top 12.4% in tier
CD Concentration 29.1%
+16.7% YoY+2.9% QoQ
 +4.7% 24.4%
+4.2% YoY
 20.4%
+10.6% YoY
 19.6%
+6.2% YoY
 68th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 7.4%
+4.0% YoY
 7.9%
-2.9% YoY
 Bottom 0.0% in tier

Signature Analysis

Strengths (4)

Relationship Depth Leader

growth
#312 of 1006 • Top 11.3% in tier

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

Why This Signature
AMR Growth (YoY): 3.50%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $3.8K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Organic Growth Engine

growth
#264 of 603 • Top 14.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.60%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.98%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 0.00%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Organic Growth Leader

growth
#296 of 430 • Top 22.4% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 1.60%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 281 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank improving

Wallet Share Momentum

growth
#637 of 1006 • Top 23.1% in tier

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

Why This Signature
AMR Growth (YoY): 3.50%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (0)

No concerns identified

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 (9 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 16.19%
#1 of 169 Top 0.0% in 500M-750M tier
8
Members Per Employee (MPE)
engagement
Value: 542.105
Peer Avg: 338.010
#8 of 169 Top 4.1% in 500M-750M tier
21
Average Member Relationship (AMR)
engagement
Value: $34,208
Peer Avg: $26,482
#21 of 169 Top 11.8% in 500M-750M tier
24
Efficiency Ratio
profitability
Value: 68.26%
Peer Avg: 78.10%
#24 of 169 Top 13.6% in 500M-750M tier
29
Loan-to-Member Ratio (LMR)
engagement
Value: $14,728
Peer Avg: $11,805
#29 of 169 Top 16.6% in 500M-750M tier
31
Net Charge-Off Rate
risk
Value: 0.17%
Peer Avg: 0.51%
#31 of 169 Top 17.8% in 500M-750M tier
32
Asset Growth Rate
growth
Value: 7.93%
Peer Avg: 4.33%
#32 of 169 Top 18.3% in 500M-750M tier
37
Total Deposits
balance_sheet
Value: $601.95M
Peer Avg: $538.02M
#37 of 169 Top 21.3% in 500M-750M tier
39
Return on Assets (ROA)
profitability
Value: 0.98%
Peer Avg: 0.66%
#39 of 169 Top 22.5% in 500M-750M tier

Top Weaknesses (2 metrics)

157
Net Interest Margin (NIM)
profitability
Value: 2.57%
Peer Avg: 3.43%
#157 of 169 Bottom 7.7% in 500M-750M tier
135
Total Members
engagement
Value: 30,900
Peer Avg: 39,752
#135 of 169 Bottom 20.7% in 500M-750M tier