DAY-MET

Charter #97105 | OH

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

DAY-MET has 10 strengths but faces 4 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 0.1% in tier
  • + Organic Growth Engine: Top 1.0% in tier
  • + ROA 1.15% above tier average
  • + Strong member growth: 11.7% YoY
  • + Fee Income Per Member: Top 1.0% in tier
  • + Member Growth Rate: Top 3.2% in tier
  • + Asset Growth Rate: Top 4.5% in tier
  • + Loan Growth Rate: Top 6.8% in tier
  • + Loan-to-Share Ratio: Top 7.2% in tier
  • + Efficiency Ratio: Top 9.9% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 8.0% in tier
  • - Indirect Auto Dependency: Bottom 11.8% in tier
  • - Net Worth Ratio: Bottom 9.4% in tier
  • - Share Certificate Concentration (%): Bottom 9.7% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Members 8,337
+11.7% YoY-4.4% QoQ
 -7.3K 15,628
-3.4% YoY
 16,553
+5.8% YoY
 33,089
+6.1% YoY
 Bottom 18.6% in tier
Assets $136.4M
+13.8% YoY+1.9% QoQ
 $-94.9M $231.3M
-0.0% YoY
 $245.2M
+8.8% YoY
 $547.7M
+7.8% YoY
 Bottom 23.8% in tier
Loans $112.8M
+15.1% YoY+2.2% QoQ
 $-35.0M $147.8M
-1.4% YoY
 $170.6M
+8.7% YoY
 $388.7M
+8.6% YoY
 43rd in tier
Deposits $118.7M
+8.3% YoY-0.9% QoQ
 $-81.6M $200.3M
-0.0% YoY
 $209.1M
+9.7% YoY
 $464.6M
+9.3% YoY
 25th in tier
ROA 1.9%
+1010.3% YoY-29.4% QoQ
 +1.2% 0.8%
+15.5% YoY
 0.5%
-7.3% YoY
 0.7%
+273.4% YoY
 Top 3.8% in tier
NIM 3.3%
+13.2% YoY+0.9% QoQ
 -0.3% 3.6%
+6.9% YoY
 3.7%
+3.3% YoY
 3.7%
+5.0% YoY
 33rd in tier
Efficiency Ratio 61.2%
-34.6% YoY+12.5% QoQ
 -16.1% 77.3%
-3.0% YoY
 83.9%
+3.6% YoY
 79.1%
-3.3% YoY
 Bottom 9.9% in tier
Delinquency Rate 0.5%
-4.9% YoY-11.9% QoQ
 -0.4 0.9%
+7.6% YoY
 1.5%
+29.9% YoY
 1.2%
-0.9% YoY
 34th in tier
Loan To Share 95.0%
+6.3% YoY+3.1% QoQ
 +22.3% 72.7%
-1.5% YoY
 63.8%
-2.4% YoY
 68.0%
-1.7% YoY
 Top 7.3% in tier
AMR $27,771
-0.1% YoY+5.3% QoQ
 +$3K $24,363
+2.9% YoY
 $17,099
+5.9% YoY
 $19,418
+1.3% YoY
 Top 24.3% in tier
CD Concentration 38.7%
-11.3% YoY+0.6% QoQ
 +14.3% 24.4%
+4.2% YoY
 19.2%
+8.0% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 24.7%
-3.8% YoY+4.2% QoQ
 +10.8% 14.0%
-5.8% YoY
 11.2%
-0.8% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Emerging Performer

growth
#3 of 627 • Top 0.1% in tier

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

Why This Signature
Return on Assets: 1.94%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): 11.65%
(Tier: 0.88%, National: 9.37%)
better than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank improving

Organic Growth Engine

growth
#19 of 603 • Top 1.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 11.65%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 1.94%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 24.72%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Concerns (2)

Liquidity Strain

risk
#63 of 258 • Bottom 8.0% in tier

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

Why This Signature
Loan-to-Share Ratio: 95.04%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 15.14%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
258 of 1077 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#191 of 525 • Bottom 11.8% in tier

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

Why This Signature
Asset Growth (YoY): 13.83%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 24.72%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 11.65%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 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 (10 metrics)

12
Fee Income Per Member
profitability
Value: $453.44
Peer Avg: $174.31
#12 of 1077 Top 1.0% in 100M-500M tier
36
Member Growth Rate
growth
Value: 11.65%
Peer Avg: 0.72%
#36 of 1077 Top 3.2% in 100M-500M tier
41
Return on Assets (ROA)
profitability
Value: 1.94%
Peer Avg: 0.79%
#41 of 1077 Top 3.7% in 100M-500M tier
49
Asset Growth Rate
growth
Value: 13.83%
Peer Avg: 4.70%
#49 of 1077 Top 4.5% in 100M-500M tier
74
Loan Growth Rate
growth
Value: 15.14%
Peer Avg: 3.45%
#74 of 1077 Top 6.8% in 100M-500M tier
79
Loan-to-Share Ratio
balance_sheet
Value: 95.04%
Peer Avg: 72.70%
#79 of 1077 Top 7.2% in 100M-500M tier
108
Efficiency Ratio
profitability
Value: 61.19%
Peer Avg: 77.28%
#108 of 1077 Top 9.9% in 100M-500M tier
163
Loan-to-Member Ratio (LMR)
engagement
Value: $13,533
Peer Avg: $10,245
#163 of 1077 Top 15.0% in 100M-500M tier
200
Deposit Growth Rate
growth
Value: 8.31%
Peer Avg: 4.69%
#200 of 1077 Top 18.5% in 100M-500M tier
262
Average Member Relationship (AMR)
engagement
Value: $27,771
Peer Avg: $24,363
#262 of 1077 Top 24.2% in 100M-500M tier

Top Weaknesses (6 metrics)

977
Net Worth Ratio
risk
Value: 8.67%
Peer Avg: 12.15%
#977 of 1077 Bottom 9.4% in 100M-500M tier
973
Share Certificate Concentration (%)
balance_sheet
Value: 38.70%
Peer Avg: 23.61%
#973 of 1077 Bottom 9.7% in 100M-500M tier
877
Total Members
engagement
Value: 8,337
Peer Avg: 15,628
#877 of 1077 Bottom 18.7% in 100M-500M tier
852
AMR Growth Rate
growth
Value: -0.11%
Peer Avg: 3.64%
#852 of 1077 Bottom 21.0% in 100M-500M tier
846
Indirect Auto Concentration (%)
balance_sheet
Value: 24.72%
Peer Avg: 13.34%
#846 of 1077 Bottom 21.5% in 100M-500M tier
821
Total Assets
balance_sheet
Value: $136.37M
Peer Avg: $231.30M
#821 of 1077 Bottom 23.9% in 100M-500M tier