SP TRAINMEN
Charter #9496 | TX
<100M
(2596 CUs)
Micro
($0-$500M)
245 <100M in TX
SP TRAINMEN has 4 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 1.7% in tier
Key Concerns
Areas that may need attention
- - ROA 11.65% below tier average
- - Efficiency ratio 367.44% above tier (higher cost structure)
- - Delinquency rate 24.15% above tier average
- - Member decline: -3.0% YoY
- - Total Delinquency Rate (60+ days): Bottom 0.9% in tier
- - Loan-to-Member Ratio (LMR): Bottom 9.5% in tier
- - Total Loans: Bottom 9.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
485
-3.0% YoY+0.2% QoQ
|
-2.1K |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
Bottom 13.4% in tier |
| Assets |
$2.9M
-5.8% YoY-4.1% QoQ
|
$-27.0M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
Bottom 12.8% in tier |
| Loans |
$770,268
-4.3% YoY-5.2% QoQ
|
$-15.0M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 9.7% in tier |
| Deposits |
$2.3M
+7.9% YoY-0.1% QoQ
|
$-23.1M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
Bottom 13.1% in tier |
| ROA |
-11.0%
+154.2% YoY+106.8% QoQ
|
-11.6% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 0.5% in tier |
| NIM |
3.1%
+27.6% YoY+4.8% QoQ
|
-0.8% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
Bottom 21.3% in tier |
| Efficiency Ratio |
448.8%
+64.5% YoY+62.2% QoQ
|
+367.4% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
Top 0.5% in tier |
| Delinquency Rate |
25.7%
+395.9% YoY+8.7% QoQ
|
+24.1 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
Top 0.9% in tier |
| Loan To Share |
33.3%
-11.3% YoY-5.2% QoQ
|
-27.9% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
Bottom 12.7% in tier |
| AMR |
$6,357
+7.8% YoY-1.6% QoQ
|
$-8K |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 13.0% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
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)
Top Strengths (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
45
Net Charge-Off Rate
risk
Value:
-0.34%
Peer Avg: 0.57%
#45 of 2596
Top 1.7% in <100M tier
352
Deposit Growth Rate
growth
Value:
7.93%
Peer Avg: 16.80%
#352 of 2596
Top 13.5% in <100M tier
376
AMR Growth Rate
growth
Value:
7.83%
Peer Avg: 4.67%
#376 of 2596
Top 14.4% in <100M tier
Top Weaknesses (14 metrics)
2584
Efficiency Ratio
profitability
Value:
448.83%
Peer Avg: 81.39%
#2584 of 2596
Bottom 0.5% in <100M tier
2583
Return on Assets (ROA)
profitability
Value:
-10.97%
Peer Avg: 0.68%
#2583 of 2596
Bottom 0.5% in <100M tier
2573
Total Delinquency Rate (60+ days)
risk
Value:
25.66%
Peer Avg: 1.51%
#2573 of 2596
Bottom 0.9% in <100M tier
2350
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,588
Peer Avg: $5,488
#2350 of 2596
Bottom 9.5% in <100M tier
2343
Total Loans
balance_sheet
Value:
$770,268
Peer Avg: $15.77M
#2343 of 2596
Bottom 9.8% in <100M tier
2332
Fee Income Per Member
profitability
Value:
$2.23
Peer Avg: $182.96
#2332 of 2596
Bottom 10.2% in <100M tier
2281
Asset Growth Rate
growth
Value:
-5.77%
Peer Avg: 1.82%
#2281 of 2596
Bottom 12.2% in <100M tier
2265
Total Assets
balance_sheet
Value:
$2.85M
Peer Avg: $29.86M
#2265 of 2596
Bottom 12.8% in <100M tier
2262
Loan-to-Share Ratio
balance_sheet
Value:
33.31%
Peer Avg: 61.23%
#2262 of 2596
Bottom 12.9% in <100M tier
2259
Average Member Relationship (AMR)
engagement
Value:
$6,357
Peer Avg: $14,627
#2259 of 2596
Bottom 13.0% in <100M tier