HEEKIN CAN EMPL
Charter #96821 | OH
<100M
(2596 CUs)
Micro
($0-$500M)
121 <100M in OH
HEEKIN CAN EMPL has 6 strengths but faces 16 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.02% 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 0.3% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 7.50% below tier average
- - Efficiency ratio 153.64% above tier (higher cost structure)
- - Delinquency rate 17.04% above tier average
- - Member decline: -31.8% YoY
- - Total Members: Bottom 0.5% in tier
- - Total Deposits: Bottom 0.5% in tier
- - Member Growth Rate: Bottom 1.0% in tier
- - Deposit Growth Rate: Bottom 1.0% in tier
- - Total Delinquency Rate (60+ days): Bottom 1.3% in tier
- - Loan Growth Rate: Bottom 1.7% in tier
- - Total Assets: Bottom 1.7% in tier
- - Asset Growth Rate: Bottom 2.2% in tier
- - Total Loans: Bottom 2.3% in tier
- - Average Member Relationship (AMR): Bottom 3.2% in tier
- - Members Per Employee (MPE): Bottom 3.5% in tier
- - Loan-to-Member Ratio (LMR): Bottom 6.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
58
-31.8% YoY-12.1% QoQ
|
-2.6K |
2,625
-2.2% YoY
|
16,553
+5.8% YoY
|
33,089
+6.1% YoY
|
Bottom 0.5% in tier |
| Assets |
$298,791
-13.8% YoY-7.2% QoQ
|
$-29.6M |
$29.9M
+1.1% YoY
|
$245.2M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
Bottom 1.7% in tier |
| Loans |
$60,689
-39.9% YoY-6.1% QoQ
|
$-15.7M |
$15.8M
-2.4% YoY
|
$170.6M
+8.7% YoY
|
$388.7M
+8.6% YoY
|
Bottom 2.3% in tier |
| Deposits |
$67,578
-27.2% YoY-21.3% QoQ
|
$-25.4M |
$25.5M
+0.4% YoY
|
$209.1M
+9.7% YoY
|
$464.6M
+9.3% YoY
|
Bottom 0.5% in tier |
| ROA |
-6.8%
+140.6% YoY+7.4% QoQ
|
-7.5% |
0.7%
-731.4% YoY
|
0.5%
-7.3% YoY
|
0.7%
+273.4% YoY
|
Bottom 0.7% in tier |
| NIM |
4.9%
-20.6% YoY-1.2% QoQ
|
+1.0% |
3.9%
+3.8% YoY
|
3.7%
+3.3% YoY
|
3.7%
+5.0% YoY
|
Top 15.4% in tier |
| Efficiency Ratio |
235.0%
+63.8% YoY+4.9% QoQ
|
+153.6% |
81.4%
-2.4% YoY
|
83.9%
+3.6% YoY
|
79.1%
-3.3% YoY
|
Top 0.8% in tier |
| Delinquency Rate |
18.5%
+51.3% YoY-2.1% QoQ
|
+17.0 |
1.5%
-2.0% YoY
|
1.5%
+29.9% YoY
|
1.2%
-0.9% YoY
|
Top 1.3% in tier |
| Loan To Share |
89.8%
-17.4% YoY+19.3% QoQ
|
+28.6% |
61.2%
-3.0% YoY
|
63.8%
-2.4% YoY
|
68.0%
-1.7% YoY
|
Top 11.1% in tier |
| AMR |
$2,212
-3.0% YoY-3.0% QoQ
|
$-12K |
$14,627
-2.7% YoY
|
$17,099
+5.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 3.1% 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 (7 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
9
Net Worth Ratio
risk
Value:
76.48%
Peer Avg: 16.43%
#9 of 2596
Top 0.3% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
284
Loan-to-Share Ratio
balance_sheet
Value:
89.81%
Peer Avg: 61.23%
#284 of 2596
Top 10.9% in <100M tier
399
Net Interest Margin (NIM)
profitability
Value:
4.95%
Peer Avg: 3.93%
#399 of 2596
Top 15.3% in <100M tier
Top Weaknesses (16 metrics)
2583
Total Members
engagement
Value:
58
Peer Avg: 2,626
#2583 of 2596
Bottom 0.5% in <100M tier
2583
Total Deposits
balance_sheet
Value:
$67,578
Peer Avg: $25.45M
#2583 of 2596
Bottom 0.5% in <100M tier
2577
Return on Assets (ROA)
profitability
Value:
-6.82%
Peer Avg: 0.68%
#2577 of 2596
Bottom 0.8% in <100M tier
2575
Efficiency Ratio
profitability
Value:
235.03%
Peer Avg: 81.39%
#2575 of 2596
Bottom 0.8% in <100M tier
2570
Member Growth Rate
growth
Value:
-31.76%
Peer Avg: 14.92%
#2570 of 2596
Bottom 1.0% in <100M tier
2570
Deposit Growth Rate
growth
Value:
-27.19%
Peer Avg: 16.80%
#2570 of 2596
Bottom 1.0% in <100M tier
2563
Total Delinquency Rate (60+ days)
risk
Value:
18.55%
Peer Avg: 1.51%
#2563 of 2596
Bottom 1.3% in <100M tier
2553
Loan Growth Rate
growth
Value:
-39.88%
Peer Avg: 59.01%
#2553 of 2596
Bottom 1.7% in <100M tier
2552
Total Assets
balance_sheet
Value:
$298,791
Peer Avg: $29.86M
#2552 of 2596
Bottom 1.7% in <100M tier
2539
Asset Growth Rate
growth
Value:
-13.85%
Peer Avg: 1.82%
#2539 of 2596
Bottom 2.2% in <100M tier