FAITH COMMUNITY UNITED
Charter #96706 | OH
<100M
(2596 CUs)
Micro
($0-$500M)
121 <100M in OH
FAITH COMMUNITY UNITED has 5 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.97% above tier average
- + Strong member growth: 9.4% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 3.5% in tier
- + Net Worth Ratio: Top 5.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.19% below tier average
- - Efficiency ratio 18.42% above tier (higher cost structure)
- - Delinquency rate 5.68% above tier average
- - Net Charge-Off Rate: Bottom 1.1% in tier
- - AMR Growth Rate: Bottom 2.9% in tier
- - Total Delinquency Rate (60+ days): Bottom 3.5% in tier
- - Average Member Relationship (AMR): Bottom 5.3% in tier
- - Loan-to-Member Ratio (LMR): Bottom 7.6% in tier
- - Loan Growth Rate: Bottom 8.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,784
+9.4% YoY+9.5% QoQ
|
+2.2K |
2,625
-2.2% YoY
|
16,553
+5.8% YoY
|
33,089
+6.1% YoY
|
Top 15.6% in tier |
| Assets |
$14.0M
-6.2% YoY-1.6% QoQ
|
$-15.9M |
$29.9M
+1.1% YoY
|
$245.2M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
40th in tier |
| Loans |
$6.2M
-17.3% YoY-3.5% QoQ
|
$-9.5M |
$15.8M
-2.4% YoY
|
$170.6M
+8.7% YoY
|
$388.7M
+8.6% YoY
|
39th in tier |
| Deposits |
$9.9M
-4.5% YoY-2.1% QoQ
|
$-15.5M |
$25.5M
+0.4% YoY
|
$209.1M
+9.7% YoY
|
$464.6M
+9.3% YoY
|
36th in tier |
| ROA |
0.5%
+286.1% YoY-362.1% QoQ
|
-0.2% |
0.7%
-731.4% YoY
|
0.5%
-7.3% YoY
|
0.7%
+273.4% YoY
|
36th in tier |
| NIM |
5.9%
+20.3% YoY+4.4% QoQ
|
+2.0% |
3.9%
+3.8% YoY
|
3.7%
+3.3% YoY
|
3.7%
+5.0% YoY
|
Top 4.6% in tier |
| Efficiency Ratio |
99.8%
+1.5% YoY-9.4% QoQ
|
+18.4% |
81.4%
-2.4% YoY
|
83.9%
+3.6% YoY
|
79.1%
-3.3% YoY
|
Top 11.2% in tier |
| Delinquency Rate |
7.2%
-58.5% YoY-19.9% QoQ
|
+5.7 |
1.5%
-2.0% YoY
|
1.5%
+29.9% YoY
|
1.2%
-0.9% YoY
|
Top 3.5% in tier |
| Loan To Share |
62.8%
-13.4% YoY-1.4% QoQ
|
+1.6% |
61.2%
-3.0% YoY
|
63.8%
-2.4% YoY
|
68.0%
-1.7% YoY
|
52nd in tier |
| AMR |
$3,376
-17.6% YoY-11.1% QoQ
|
$-11K |
$14,627
-2.7% YoY
|
$17,099
+5.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 5.2% in tier |
| CD Concentration |
4.0%
+4.1% YoY+2.3% QoQ
|
-20.4% |
24.4%
+4.2% YoY
|
19.2%
+8.0% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
11.2%
-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 (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
93
Member Growth Rate
growth
Value:
9.42%
Peer Avg: 14.92%
#93 of 2596
Top 3.5% in <100M tier
120
Net Interest Margin (NIM)
profitability
Value:
5.90%
Peer Avg: 3.93%
#120 of 2596
Top 4.6% in <100M tier
155
Net Worth Ratio
risk
Value:
29.92%
Peer Avg: 16.43%
#155 of 2596
Top 5.9% in <100M tier
406
Total Members
engagement
Value:
4,784
Peer Avg: 2,626
#406 of 2596
Top 15.6% in <100M tier
447
Members Per Employee (MPE)
engagement
Value:
478.400
Peer Avg: 365.701
#447 of 2596
Top 17.2% in <100M tier
Top Weaknesses (9 metrics)
2568
Net Charge-Off Rate
risk
Value:
6.31%
Peer Avg: 0.57%
#2568 of 2596
Bottom 1.1% in <100M tier
2521
AMR Growth Rate
growth
Value:
-17.61%
Peer Avg: 4.67%
#2521 of 2596
Bottom 2.9% in <100M tier
2505
Total Delinquency Rate (60+ days)
risk
Value:
7.19%
Peer Avg: 1.51%
#2505 of 2596
Bottom 3.5% in <100M tier
2460
Average Member Relationship (AMR)
engagement
Value:
$3,376
Peer Avg: $14,627
#2460 of 2596
Bottom 5.3% in <100M tier
2400
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,303
Peer Avg: $5,488
#2400 of 2596
Bottom 7.6% in <100M tier
2374
Loan Growth Rate
growth
Value:
-17.25%
Peer Avg: 59.01%
#2374 of 2596
Bottom 8.6% in <100M tier
2310
Asset Growth Rate
growth
Value:
-6.25%
Peer Avg: 1.82%
#2310 of 2596
Bottom 11.1% in <100M tier
2306
Efficiency Ratio
profitability
Value:
99.81%
Peer Avg: 81.39%
#2306 of 2596
Bottom 11.2% in <100M tier
2090
Deposit Growth Rate
growth
Value:
-4.47%
Peer Avg: 16.80%
#2090 of 2596
Bottom 19.5% in <100M tier