CIT-CO
Charter #9644 | WY
<100M
(2596 CUs)
Micro
($0-$500M)
8 <100M in WY
CIT-CO has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.54% above tier average
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Asset Growth Rate: Top 6.8% in tier
- + Deposit Growth Rate: Top 7.7% in tier
- + Loan-to-Member Ratio (LMR): Top 8.2% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Concentration (%): Bottom 5.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,070
+3.2% YoY-4.7% QoQ
|
-555 |
2,625
-2.2% YoY
|
21,805
+7.5% YoY
|
33,089
+6.1% YoY
|
52nd in tier |
| Assets |
$27.5M
+10.9% YoY+2.0% QoQ
|
$-2.4M |
$29.9M
+1.1% YoY
|
$326.6M
+9.9% YoY
|
$547.7M
+7.8% YoY
|
57th in tier |
| Loans |
$20.6M
+7.1% YoY+7.0% QoQ
|
+$4.8M |
$15.8M
-2.4% YoY
|
$246.2M
+9.3% YoY
|
$388.7M
+8.6% YoY
|
71st in tier |
| Deposits |
$24.8M
+10.6% YoY+1.8% QoQ
|
$-624K |
$25.5M
+0.4% YoY
|
$279.6M
+8.1% YoY
|
$464.6M
+9.3% YoY
|
59th in tier |
| ROA |
1.2%
+28.1% YoY+9.7% QoQ
|
+0.5% |
0.7%
-731.4% YoY
|
1.2%
+23.5% YoY
|
0.7%
+273.4% YoY
|
71st in tier |
| NIM |
3.3%
+5.1% YoY+3.9% QoQ
|
-0.7% |
3.9%
+3.8% YoY
|
3.9%
+2.2% YoY
|
3.7%
+5.0% YoY
|
26th in tier |
| Efficiency Ratio |
67.5%
-3.2% YoY-2.9% QoQ
|
-13.9% |
81.4%
-2.4% YoY
|
69.2%
-3.0% YoY
|
79.1%
-3.3% YoY
|
26th in tier |
| Delinquency Rate |
0.3%
+488.6% YoY+517.4% QoQ
|
-1.2 |
1.5%
-2.0% YoY
|
2.1%
+78.2% YoY
|
1.2%
-0.9% YoY
|
34th in tier |
| Loan To Share |
82.9%
-3.2% YoY+5.1% QoQ
|
+21.7% |
61.2%
-3.0% YoY
|
79.1%
-2.4% YoY
|
68.0%
-1.7% YoY
|
Top 18.9% in tier |
| AMR |
$21,944
+5.6% YoY+9.2% QoQ
|
+$7K |
$14,627
-2.7% YoY
|
$22,916
+4.8% YoY
|
$19,418
+1.3% YoY
|
Top 14.2% in tier |
| CD Concentration |
23.7%
-1.4% YoY+2.9% QoQ
|
-0.7% |
24.4%
+4.2% YoY
|
26.0%
+2.0% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % |
19.9%
+33.5% YoY+9.8% QoQ
|
+5.9% |
14.0%
-5.8% YoY
|
19.6%
+0.8% 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 (10 metrics)
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
178
Asset Growth Rate
growth
Value:
10.85%
Peer Avg: 1.82%
#178 of 2596
Top 6.8% in <100M tier
202
Deposit Growth Rate
growth
Value:
10.61%
Peer Avg: 16.80%
#202 of 2596
Top 7.7% in <100M tier
214
Loan-to-Member Ratio (LMR)
engagement
Value:
$9,948
Peer Avg: $5,488
#214 of 2596
Top 8.2% in <100M tier
300
Member Growth Rate
growth
Value:
3.19%
Peer Avg: 14.92%
#300 of 2596
Top 11.5% in <100M tier
349
Members Per Employee (MPE)
engagement
Value:
517.500
Peer Avg: 365.701
#349 of 2596
Top 13.4% in <100M tier
369
Average Member Relationship (AMR)
engagement
Value:
$21,944
Peer Avg: $14,627
#369 of 2596
Top 14.2% in <100M tier
414
Loan Growth Rate
growth
Value:
7.07%
Peer Avg: 59.01%
#414 of 2596
Top 15.9% in <100M tier
487
Loan-to-Share Ratio
balance_sheet
Value:
82.94%
Peer Avg: 61.23%
#487 of 2596
Top 18.7% in <100M tier
604
AMR Growth Rate
growth
Value:
5.61%
Peer Avg: 4.67%
#604 of 2596
Top 23.2% in <100M tier
Top Weaknesses (2 metrics)
2445
Indirect Auto Concentration (%)
balance_sheet
Value:
19.86%
Peer Avg: 2.84%
#2445 of 2596
Bottom 5.9% in <100M tier
2276
Net Worth Ratio
risk
Value:
9.43%
Peer Avg: 16.43%
#2276 of 2596
Bottom 12.4% in <100M tier