TAPPAN COMMUNITY CREDIT UNION, INC.
Charter #96796 | OH
<100M
(2596 CUs)
Micro
($0-$500M)
121 <100M in OH
TAPPAN COMMUNITY CREDIT UNION, INC. has 6 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.28% above tier average
- + Net Interest Margin 0.78% above tier average
- + 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 Worth Ratio: Top 4.5% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.60% above tier average
- - Member decline: -3.1% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
792
-3.1% YoY-1.7% QoQ
|
-1.8K |
2,625
-2.2% YoY
|
16,553
+5.8% YoY
|
33,089
+6.1% YoY
|
Bottom 22.7% in tier |
| Assets |
$8.1M
-2.8% YoY-2.6% QoQ
|
$-21.8M |
$29.9M
+1.1% YoY
|
$245.2M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
28th in tier |
| Loans |
$4.3M
+3.2% YoY+1.1% QoQ
|
$-11.4M |
$15.8M
-2.4% YoY
|
$170.6M
+8.7% YoY
|
$388.7M
+8.6% YoY
|
30th in tier |
| Deposits |
$5.5M
-4.1% YoY-3.6% QoQ
|
$-20.0M |
$25.5M
+0.4% YoY
|
$209.1M
+9.7% YoY
|
$464.6M
+9.3% YoY
|
Bottom 24.8% in tier |
| ROA |
1.0%
+419.2% YoY+40.1% QoQ
|
+0.3% |
0.7%
-731.4% YoY
|
0.5%
-7.3% YoY
|
0.7%
+273.4% YoY
|
59th in tier |
| NIM |
4.7%
+10.3% YoY+2.5% QoQ
|
+0.8% |
3.9%
+3.8% YoY
|
3.7%
+3.3% YoY
|
3.7%
+5.0% YoY
|
Top 20.4% in tier |
| Efficiency Ratio |
80.4%
-2.1% YoY-3.5% QoQ
|
-1.0% |
81.4%
-2.4% YoY
|
83.9%
+3.6% YoY
|
79.1%
-3.3% YoY
|
55th in tier |
| Delinquency Rate |
2.1%
+117.3% YoY+138.7% QoQ
|
+0.6 |
1.5%
-2.0% YoY
|
1.5%
+29.9% YoY
|
1.2%
-0.9% YoY
|
Top 18.8% in tier |
| Loan To Share |
78.9%
+7.6% YoY+4.8% QoQ
|
+17.7% |
61.2%
-3.0% YoY
|
63.8%
-2.4% YoY
|
68.0%
-1.7% YoY
|
Top 24.0% in tier |
| AMR |
$12,360
+2.1% YoY+0.2% QoQ
|
$-2K |
$14,627
-2.7% YoY
|
$17,099
+5.9% YoY
|
$19,418
+1.3% YoY
|
42nd in tier |
| CD Concentration | 0.0% | -24.4% |
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
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
119
Net Worth Ratio
risk
Value:
32.47%
Peer Avg: 16.43%
#119 of 2596
Top 4.5% in <100M tier
529
Net Interest Margin (NIM)
profitability
Value:
4.71%
Peer Avg: 3.93%
#529 of 2596
Top 20.3% in <100M tier
620
Loan-to-Share Ratio
balance_sheet
Value:
78.92%
Peer Avg: 61.23%
#620 of 2596
Top 23.8% in <100M tier
Top Weaknesses (7 metrics)
2253
Net Charge-Off Rate
risk
Value:
1.06%
Peer Avg: 0.57%
#2253 of 2596
Bottom 13.3% in <100M tier
2198
Members Per Employee (MPE)
engagement
Value:
198.000
Peer Avg: 365.701
#2198 of 2596
Bottom 15.4% in <100M tier
2108
Total Delinquency Rate (60+ days)
risk
Value:
2.11%
Peer Avg: 1.51%
#2108 of 2596
Bottom 18.8% in <100M tier
2049
Deposit Growth Rate
growth
Value:
-4.10%
Peer Avg: 16.80%
#2049 of 2596
Bottom 21.1% in <100M tier
2020
Asset Growth Rate
growth
Value:
-2.83%
Peer Avg: 1.82%
#2020 of 2596
Bottom 22.2% in <100M tier
2004
Total Members
engagement
Value:
792
Peer Avg: 2,626
#2004 of 2596
Bottom 22.8% in <100M tier
1951
Total Deposits
balance_sheet
Value:
$5.47M
Peer Avg: $25.45M
#1951 of 2596
Bottom 24.9% in <100M tier