AURGROUP

Charter #96761 | OH

100M-500M (1077 CUs) Micro
58 100M-500M in OH

AURGROUP has 6 strengths but faces 9 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 4.7% in tier
  • + Wallet Share Momentum: Top 15.6% in tier
  • + Emerging Performer: Top 24.3% in tier
  • + ROA 0.29% above tier average
  • + Net Interest Margin 0.03% above tier average
  • + Fee Income Per Member: Top 4.5% in tier

Key Concerns

Areas that may need attention

  • - Stagnation Risk: Bottom 1.4% in tier
  • - Institutional Decline: Bottom 2.3% in tier
  • - Membership Headwinds: Bottom 4.4% in tier
  • - Indirect Auto Dependency: Bottom 16.9% in tier
  • - Credit Quality Pressure: Bottom 24.5% in tier
  • - Efficiency ratio 1.27% above tier (higher cost structure)
  • - Member decline: -6.6% YoY
  • - Loan Growth Rate: Bottom 3.3% in tier
  • - Member Growth Rate: Bottom 6.3% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Members 13,192
-6.6% YoY-0.7% QoQ
 -2.4K 15,628
-3.4% YoY
 16,553
+5.8% YoY
 33,089
+6.1% YoY
 48th in tier
Assets $198.8M
+1.4% YoY+0.4% QoQ
 $-32.5M $231.3M
-0.0% YoY
 $245.2M
+8.8% YoY
 $547.7M
+7.8% YoY
 50th in tier
Loans $114.8M
-10.3% YoY-1.0% QoQ
 $-33.0M $147.8M
-1.4% YoY
 $170.6M
+8.7% YoY
 $388.7M
+8.6% YoY
 44th in tier
Deposits $183.9M
+5.0% YoY-0.6% QoQ
 $-16.4M $200.3M
-0.0% YoY
 $209.1M
+9.7% YoY
 $464.6M
+9.3% YoY
 54th in tier
ROA 1.1%
+139.9% YoY-21.5% QoQ
 +0.3% 0.8%
+15.5% YoY
 0.5%
-7.3% YoY
 0.7%
+273.4% YoY
 71st in tier
NIM 3.6%
+11.0% YoY+2.1% QoQ
 +0.0% 3.6%
+6.9% YoY
 3.7%
+3.3% YoY
 3.7%
+5.0% YoY
 53rd in tier
Efficiency Ratio 78.5%
-13.0% YoY+5.1% QoQ
 +1.3% 77.3%
-3.0% YoY
 83.9%
+3.6% YoY
 79.1%
-3.3% YoY
 55th in tier
Delinquency Rate 0.2%
+31.4% YoY-22.5% QoQ
 -0.7 0.9%
+7.6% YoY
 1.5%
+29.9% YoY
 1.2%
-0.9% YoY
 Bottom 10.7% in tier
Loan To Share 62.4%
-14.6% YoY-0.4% QoQ
 -10.3% 72.7%
-1.5% YoY
 63.8%
-2.4% YoY
 68.0%
-1.7% YoY
 26th in tier
AMR $22,642
+5.5% YoY-0.1% QoQ
 $-2K $24,363
+2.9% YoY
 $17,099
+5.9% YoY
 $19,418
+1.3% YoY
 51st in tier
CD Concentration 12.1%
+17.4% YoY+7.9% QoQ
 -12.3% 24.4%
+4.2% YoY
 19.2%
+8.0% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 28.7%
-21.3% YoY-6.0% QoQ
 +14.7% 14.0%
-5.8% YoY
 11.2%
-0.8% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth
#131 of 1006 • Top 4.7% in tier

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

Why This Signature
AMR Growth (YoY): 5.48%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $4.4K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Wallet Share Momentum

growth
#432 of 1006 • Top 15.6% in tier

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

Why This Signature
AMR Growth (YoY): 5.48%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Emerging Performer

growth
#457 of 627 • Top 24.3% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 1.08%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): -6.57%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank worsening

Concerns (5)

Stagnation Risk

risk
#24 of 550 • Bottom 1.4% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 1.08%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -6.57%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $22.6K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 12.07%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Institutional Decline

decline
#19 of 256 • Bottom 2.3% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $198.77M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
Member Growth (YoY): -6.57%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -10.32%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
256 of 1077 Community CUs have this signature | 293 nationally
↓ Shrinking -43 CUs YoY | Rank improving

Membership Headwinds

decline
#74 of 550 • Bottom 4.4% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -6.57%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#272 of 525 • Bottom 16.9% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 1.39%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 28.67%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -6.57%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank worsening

Credit Quality Pressure

risk
#608 of 736 • Bottom 24.5% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.05% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank improving

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 1077 peers in tier

Top Strengths (3 metrics)

50
Fee Income Per Member
profitability
Value: $310.08
Peer Avg: $174.31
#50 of 1077 Top 4.5% in 100M-500M tier
116
Total Delinquency Rate (60+ days)
risk
Value: 0.20%
Peer Avg: 0.86%
#116 of 1077 Top 10.7% in 100M-500M tier
162
Share Certificate Concentration (%)
balance_sheet
Value: 12.07%
Peer Avg: 23.61%
#162 of 1077 Top 14.9% in 100M-500M tier

Top Weaknesses (4 metrics)

1042
Loan Growth Rate
growth
Value: -10.32%
Peer Avg: 3.45%
#1042 of 1077 Bottom 3.3% in 100M-500M tier
1010
Member Growth Rate
growth
Value: -6.57%
Peer Avg: 0.72%
#1010 of 1077 Bottom 6.3% in 100M-500M tier
949
Net Worth Ratio
risk
Value: 8.92%
Peer Avg: 12.15%
#949 of 1077 Bottom 12.0% in 100M-500M tier
883
Indirect Auto Concentration (%)
balance_sheet
Value: 28.67%
Peer Avg: 13.34%
#883 of 1077 Bottom 18.1% in 100M-500M tier