CHRISTIAN COMMUNITY

Charter #97068 | CA

750M-1B (112 CUs) Community (281 CUs)
15 750M-1B in CA

CHRISTIAN COMMUNITY has 6 strengths but faces 9 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 2.0% in tier
  • + Organic Growth Engine: Top 18.1% in tier
  • + Strong member growth: 11.2% YoY
  • + Member Growth Rate: Top 2.7% in tier
  • + Loan-to-Member Ratio (LMR): Top 5.4% in tier
  • + Average Member Relationship (AMR): Top 8.0% in tier

Key Concerns

Areas that may need attention

  • - Wealth Migration Risk: Bottom 0.9% in tier
  • - Shrinking Wallet Share: Bottom 4.1% in tier
  • - Credit Quality Pressure: Bottom 12.7% in tier
  • - Efficiency Drag: Bottom 23.4% in tier
  • - Liquidity Strain: Bottom 23.8% in tier
  • - Liquidity Overhang: Bottom 33.7% in tier
  • - ROA 0.59% below tier average
  • - Efficiency ratio 12.88% above tier (higher cost structure)
  • - AMR Growth Rate: Bottom 3.6% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 34,847
+11.2% YoY+2.7% QoQ
 -17.3K 52,114
-2.1% YoY
 59,606
+5.7% YoY
 33,089
+6.1% YoY
 Bottom 16.1% in tier
Assets $875.9M
+6.3% YoY-1.0% QoQ
 +$16.8M $859.0M
+0.0% YoY
 $1.2B
+6.2% YoY
 $547.7M
+7.8% YoY
 58th in tier
Loans $714.4M
-0.1% YoY-0.3% QoQ
 +$111.0M $603.4M
+1.0% YoY
 $845.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 Top 15.2% in tier
Deposits $758.2M
+7.2% YoY-1.3% QoQ
 +$24.0M $734.2M
+0.9% YoY
 $1.0B
+8.8% YoY
 $464.6M
+9.3% YoY
 67th in tier
ROA 0.1%
-71.7% YoY-4.5% QoQ
 -0.6% 0.7%
+27.6% YoY
 0.6%
+30.0% YoY
 0.7%
+273.4% YoY
 Bottom 9.8% in tier
NIM 3.1%
-2.8% YoY+0.4% QoQ
 -0.2% 3.4%
+9.6% YoY
 3.3%
+6.5% YoY
 3.7%
+5.0% YoY
 33rd in tier
Efficiency Ratio 87.4%
+4.0% YoY+1.9% QoQ
 +12.9% 74.5%
-3.2% YoY
 79.3%
-6.2% YoY
 79.1%
-3.3% YoY
 Top 8.9% in tier
Delinquency Rate 0.6%
+72.2% YoY+12.9% QoQ
 -0.2 0.8%
+5.0% YoY
 0.7%
-38.7% YoY
 1.2%
-0.9% YoY
 38th in tier
Loan To Share 94.2%
-6.8% YoY+1.0% QoQ
 +11.6% 82.7%
+0.1% YoY
 68.8%
-1.5% YoY
 68.0%
-1.7% YoY
 Top 19.6% in tier
AMR $42,258
-6.9% YoY-3.4% QoQ
 +$14K $28,651
+2.5% YoY
 $28,514
+2.8% YoY
 $19,418
+1.3% YoY
 Top 8.9% in tier
CD Concentration 33.5%
+10.5% YoY+1.1% QoQ
 +9.1% 24.4%
+4.2% YoY
 21.7%
+4.2% YoY
 19.6%
+6.2% YoY
 Top 19.5% in tier
Indirect Auto % 6.9%
+0.4% YoY-3.2% QoQ
 -7.0% 14.0%
-5.8% YoY
 9.5%
-6.9% YoY
 7.9%
-2.9% YoY
 48th in tier

Signature Analysis

Strengths (2)

Organic Growth Leader

growth
#28 of 430 • Top 2.0% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 11.22%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 281 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank improving

Organic Growth Engine

growth
#333 of 603 • Top 18.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 11.22%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.12%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 6.92%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Concerns (6)

Wealth Migration Risk

decline
#2 of 28 • Bottom 0.9% in tier

High-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.

Why This Signature
Avg Member Relationship: $42.3K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
AMR Growth (YoY): -6.91%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
Total Assets: $875.85M
(Tier: $859.01M, National: $547.69M)
but better than tier avg
28 of 281 Community CUs have this signature | 39 nationally
↓ Shrinking -32 CUs YoY | Rank improving

Shrinking Wallet Share

decline
#42 of 244 • Bottom 4.1% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -6.91%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 281 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY | Rank improving

Credit Quality Pressure

risk
#315 of 736 • Bottom 12.7% in tier

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

Why This Signature
Delinquency Change (YoY): 0.24% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 281 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank improving

Efficiency Drag

risk
#413 of 521 • Bottom 23.4% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 87.40%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.31% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): 11.22%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
521 of 281 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank improving

Liquidity Strain

risk
#185 of 258 • Bottom 23.8% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 94.22%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): -0.07%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
258 of 281 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | Rank worsening

Liquidity Overhang

risk
#522 of 552 • Bottom 33.7% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 12.70%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 94.22%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 281 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank worsening

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 112 peers in tier

Top Strengths (5 metrics)

4
Member Growth Rate
growth
Value: 11.22%
Peer Avg: 1.14%
#4 of 112 Top 2.7% in 750M-1B tier
7
Loan-to-Member Ratio (LMR)
engagement
Value: $20,500
Peer Avg: $12,810
#7 of 112 Top 5.4% in 750M-1B tier
10
Average Member Relationship (AMR)
engagement
Value: $42,258
Peer Avg: $28,651
#10 of 112 Top 8.0% in 750M-1B tier
17
Total Loans
balance_sheet
Value: $714.37M
Peer Avg: $603.36M
#17 of 112 Top 14.3% in 750M-1B tier
22
Loan-to-Share Ratio
balance_sheet
Value: 94.22%
Peer Avg: 82.66%
#22 of 112 Top 18.8% in 750M-1B tier

Top Weaknesses (4 metrics)

109
AMR Growth Rate
growth
Value: -6.91%
Peer Avg: 4.90%
#109 of 112 Bottom 3.6% in 750M-1B tier
103
Efficiency Ratio
profitability
Value: 87.40%
Peer Avg: 74.52%
#103 of 112 Bottom 8.9% in 750M-1B tier
101
Return on Assets (ROA)
profitability
Value: 0.12%
Peer Avg: 0.71%
#101 of 112 Bottom 10.7% in 750M-1B tier
94
Total Members
engagement
Value: 34,847
Peer Avg: 52,114
#94 of 112 Bottom 17.0% in 750M-1B tier