KYGER CREEK
Charter #96737 | OH
<100M
(2596 CUs)
Micro
($0-$500M)
121 <100M in OH
KYGER CREEK has 5 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.28% above tier average
- + Strong member growth: 22.6% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 1.5% in tier
- + Members Per Employee (MPE): Top 3.6% in tier
Key Concerns
Areas that may need attention
- - Share Certificate Concentration (%): Bottom 1.0% in tier
- - AMR Growth Rate: Bottom 2.5% in tier
- - Net Interest Margin (NIM): Bottom 8.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,520
+22.6% YoY+22.6% QoQ
|
-1.1K |
2,625
-2.2% YoY
|
16,553
+5.8% YoY
|
33,089
+6.1% YoY
|
41st in tier |
| Assets |
$19.5M
+1.3% YoY-0.8% QoQ
|
$-10.4M |
$29.9M
+1.1% YoY
|
$245.2M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
48th in tier |
| Loans |
$9.8M
-1.9% YoY+0.1% QoQ
|
$-6.0M |
$15.8M
-2.4% YoY
|
$170.6M
+8.7% YoY
|
$388.7M
+8.6% YoY
|
50th in tier |
| Deposits |
$15.6M
+0.6% YoY-1.3% QoQ
|
$-9.9M |
$25.5M
+0.4% YoY
|
$209.1M
+9.7% YoY
|
$464.6M
+9.3% YoY
|
46th in tier |
| ROA |
1.0%
+58.6% YoY+10.9% QoQ
|
+0.3% |
0.7%
-731.4% YoY
|
0.5%
-7.3% YoY
|
0.7%
+273.4% YoY
|
60th in tier |
| NIM |
2.6%
+17.9% YoY+4.1% QoQ
|
-1.4% |
3.9%
+3.8% YoY
|
3.7%
+3.3% YoY
|
3.7%
+5.0% YoY
|
Bottom 8.3% in tier |
| Efficiency Ratio |
62.7%
-13.4% YoY-3.4% QoQ
|
-18.7% |
81.4%
-2.4% YoY
|
83.9%
+3.6% YoY
|
79.1%
-3.3% YoY
|
Bottom 17.8% in tier |
| Delinquency Rate |
0.8%
+3.1% YoY-33.9% QoQ
|
-0.7 |
1.5%
-2.0% YoY
|
1.5%
+29.9% YoY
|
1.2%
-0.9% YoY
|
55th in tier |
| Loan To Share |
62.6%
-2.4% YoY+1.4% QoQ
|
+1.3% |
61.2%
-3.0% YoY
|
63.8%
-2.4% YoY
|
68.0%
-1.7% YoY
|
52nd in tier |
| AMR |
$16,677
-18.7% YoY-19.0% QoQ
|
+$2K |
$14,627
-2.7% YoY
|
$17,099
+5.9% YoY
|
$19,418
+1.3% YoY
|
66th in tier |
| CD Concentration |
62.7%
+4.0% YoY-0.8% QoQ
|
+38.3% |
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
40
Member Growth Rate
growth
Value:
22.58%
Peer Avg: 14.92%
#40 of 2596
Top 1.5% in <100M tier
95
Members Per Employee (MPE)
engagement
Value:
760.000
Peer Avg: 365.701
#95 of 2596
Top 3.6% in <100M tier
463
Efficiency Ratio
profitability
Value:
62.69%
Peer Avg: 81.39%
#463 of 2596
Top 17.8% in <100M tier
590
Net Worth Ratio
risk
Value:
19.81%
Peer Avg: 16.43%
#590 of 2596
Top 22.7% in <100M tier
650
Net Charge-Off Rate
risk
Value:
0.01%
Peer Avg: 0.57%
#650 of 2596
Top 25.0% in <100M tier
Top Weaknesses (4 metrics)
2572
Share Certificate Concentration (%)
balance_sheet
Value:
62.74%
Peer Avg: 15.37%
#2572 of 2596
Bottom 1.0% in <100M tier
2531
AMR Growth Rate
growth
Value:
-18.73%
Peer Avg: 4.67%
#2531 of 2596
Bottom 2.5% in <100M tier
2381
Net Interest Margin (NIM)
profitability
Value:
2.56%
Peer Avg: 3.93%
#2381 of 2596
Bottom 8.3% in <100M tier
2244
Fee Income Per Member
profitability
Value:
$4.32
Peer Avg: $182.96
#2244 of 2596
Bottom 13.6% in <100M tier