MAUMEE VALLEY
Charter #97053 | OH
<100M
(2596 CUs)
Micro
($0-$500M)
121 <100M in OH
MAUMEE VALLEY has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + First Mortgage Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 2.0% in tier
Key Concerns
Areas that may need attention
- - ROA 2.93% below tier average
- - Efficiency ratio 58.23% above tier (higher cost structure)
- - Member decline: -23.0% YoY
- - Member Growth Rate: Bottom 1.4% in tier
- - Indirect Auto Concentration (%): Bottom 5.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,097
-23.0% YoY-19.9% QoQ
|
-528 |
2,625
-2.2% YoY
|
16,553
+5.8% YoY
|
33,089
+6.1% YoY
|
53rd in tier |
| Assets |
$19.4M
-3.4% YoY-2.6% QoQ
|
$-10.4M |
$29.9M
+1.1% YoY
|
$245.2M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
48th in tier |
| Loans |
$9.4M
-13.1% YoY-6.1% QoQ
|
$-6.4M |
$15.8M
-2.4% YoY
|
$170.6M
+8.7% YoY
|
$388.7M
+8.6% YoY
|
49th in tier |
| Deposits |
$17.4M
-2.2% YoY-2.3% QoQ
|
$-8.0M |
$25.5M
+0.4% YoY
|
$209.1M
+9.7% YoY
|
$464.6M
+9.3% YoY
|
49th in tier |
| ROA |
-2.2%
+76.0% YoY+577.6% QoQ
|
-2.9% |
0.7%
-731.4% YoY
|
0.5%
-7.3% YoY
|
0.7%
+273.4% YoY
|
Bottom 2.7% in tier |
| NIM |
3.9%
+6.6% YoY+3.0% QoQ
|
-0.0% |
3.9%
+3.8% YoY
|
3.7%
+3.3% YoY
|
3.7%
+5.0% YoY
|
50th in tier |
| Efficiency Ratio |
139.6%
+35.5% YoY+34.1% QoQ
|
+58.2% |
81.4%
-2.4% YoY
|
83.9%
+3.6% YoY
|
79.1%
-3.3% YoY
|
Top 2.8% in tier |
| Delinquency Rate |
0.3%
-7.1% YoY-24.6% QoQ
|
-1.2 |
1.5%
-2.0% YoY
|
1.5%
+29.9% YoY
|
1.2%
-0.9% YoY
|
31st in tier |
| Loan To Share |
53.8%
-11.2% YoY-3.9% QoQ
|
-7.4% |
61.2%
-3.0% YoY
|
63.8%
-2.4% YoY
|
68.0%
-1.7% YoY
|
38th in tier |
| AMR |
$12,792
+21.7% YoY+20.3% QoQ
|
$-2K |
$14,627
-2.7% YoY
|
$17,099
+5.9% YoY
|
$19,418
+1.3% YoY
|
44th in tier |
| CD Concentration |
16.2%
-5.3% YoY-22.7% QoQ
|
-8.2% |
24.4%
+4.2% YoY
|
19.2%
+8.0% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % |
21.3%
-10.3% YoY-1.2% QoQ
|
+7.4% |
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 (3 metrics)
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
52
AMR Growth Rate
growth
Value:
21.69%
Peer Avg: 4.67%
#52 of 2596
Top 2.0% in <100M tier
336
Members Per Employee (MPE)
engagement
Value:
524.250
Peer Avg: 365.701
#336 of 2596
Top 12.9% in <100M tier
Top Weaknesses (7 metrics)
2561
Member Growth Rate
growth
Value:
-22.99%
Peer Avg: 14.92%
#2561 of 2596
Bottom 1.4% in <100M tier
2525
Return on Assets (ROA)
profitability
Value:
-2.25%
Peer Avg: 0.68%
#2525 of 2596
Bottom 2.8% in <100M tier
2524
Efficiency Ratio
profitability
Value:
139.62%
Peer Avg: 81.39%
#2524 of 2596
Bottom 2.8% in <100M tier
2453
Indirect Auto Concentration (%)
balance_sheet
Value:
21.34%
Peer Avg: 2.84%
#2453 of 2596
Bottom 5.5% in <100M tier
2227
Loan Growth Rate
growth
Value:
-13.09%
Peer Avg: 59.01%
#2227 of 2596
Bottom 14.3% in <100M tier
2130
Net Worth Ratio
risk
Value:
10.16%
Peer Avg: 16.43%
#2130 of 2596
Bottom 18.0% in <100M tier
2078
Asset Growth Rate
growth
Value:
-3.40%
Peer Avg: 1.82%
#2078 of 2596
Bottom 20.0% in <100M tier