AUBURN COMMUNITY

Charter #988 | NY

100M-500M (1077 CUs) Micro
52 100M-500M in NY

AUBURN COMMUNITY has 6 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 15.3% in tier
  • + ROA 0.10% above tier average
  • + Net Interest Margin 0.01% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Total Delinquency Rate (60+ days): Top 1.2% in tier
  • + Share Certificate Concentration (%): Top 1.4% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 14.4% in tier
  • - Deposit Outflow: Bottom 16.7% in tier
  • - Efficiency ratio 0.24% above tier (higher cost structure)
  • - Total Loans: Bottom 1.9% in tier
  • - Loan-to-Share Ratio: Bottom 2.9% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 4.2% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Members 7,750
+0.1% YoY-0.6% QoQ
 -7.9K 15,628
-3.4% YoY
 25,964
+5.4% YoY
 33,089
+6.1% YoY
 Bottom 14.3% in tier
Assets $117.2M
+0.3% YoY-1.5% QoQ
 $-114.1M $231.3M
-0.0% YoY
 $471.3M
+6.4% YoY
 $547.7M
+7.8% YoY
 Bottom 11.9% in tier
Loans $35.8M
+6.9% YoY+2.1% QoQ
 $-112.0M $147.8M
-1.4% YoY
 $316.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 Bottom 1.8% in tier
Deposits $100.3M
-1.6% YoY-2.3% QoQ
 $-100.0M $200.3M
-0.0% YoY
 $400.0M
+7.6% YoY
 $464.6M
+9.3% YoY
 Bottom 11.3% in tier
ROA 0.9%
-7.5% YoY+16.5% QoQ
 +0.1% 0.8%
+15.5% YoY
 0.9%
+294.0% YoY
 0.7%
+273.4% YoY
 58th in tier
NIM 3.6%
+13.4% YoY+3.8% QoQ
 +0.0% 3.6%
+6.9% YoY
 3.6%
+5.0% YoY
 3.7%
+5.0% YoY
 50th in tier
Efficiency Ratio 77.5%
+3.4% YoY-3.2% QoQ
 +0.2% 77.3%
-3.0% YoY
 80.1%
-6.2% YoY
 79.1%
-3.3% YoY
 52nd in tier
Delinquency Rate 0.0%
-84.2% YoY-52.7% QoQ
 -0.8 0.9%
+7.6% YoY
 1.7%
-8.3% YoY
 1.2%
-0.9% YoY
 Bottom 1.2% in tier
Loan To Share 35.7%
+8.7% YoY+4.5% QoQ
 -37.0% 72.7%
-1.5% YoY
 61.5%
-2.3% YoY
 68.0%
-1.7% YoY
 Bottom 2.8% in tier
AMR $17,553
+0.4% YoY-0.6% QoQ
 $-7K $24,363
+2.9% YoY
 $19,040
-21.7% YoY
 $19,418
+1.3% YoY
 Bottom 20.2% in tier
CD Concentration 0.4%
-34.6% YoY-2.8% QoQ
 -24.0% 24.4%
+4.2% YoY
 15.9%
+8.4% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 2.6%
-3.7% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (1)

Emerging Performer

growth
#288 of 627 • Top 15.3% in tier

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

Why This Signature
Return on Assets: 0.89%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): 0.10%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank worsening

Concerns (2)

Liquidity Overhang

risk
#223 of 552 • Bottom 14.4% 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: 12.47%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 35.66%
(Tier: 74.56%, National: 67.96%)
worse than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | New qualifier

Deposit Outflow

decline
#99 of 114 • Bottom 16.7% in tier

Members staying but deposits leaving. They're losing to higher-yield competitors - rate pressure is real.

Why This Signature
Deposit Growth (YoY): -1.63%
(Tier: 4.79%, National: 12.00%)
worse than tier avg
Total Assets: $117.16M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
114 of 1077 Community CUs have this signature | 143 nationally
↓ Shrinking -169 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 (3 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
14
Total Delinquency Rate (60+ days)
risk
Value: 0.03%
Peer Avg: 0.86%
#14 of 1077 Top 1.2% in 100M-500M tier
16
Share Certificate Concentration (%)
balance_sheet
Value: 0.37%
Peer Avg: 23.61%
#16 of 1077 Top 1.4% in 100M-500M tier

Top Weaknesses (10 metrics)

1058
Total Loans
balance_sheet
Value: $35.76M
Peer Avg: $147.80M
#1058 of 1077 Bottom 1.9% in 100M-500M tier
1047
Loan-to-Share Ratio
balance_sheet
Value: 35.66%
Peer Avg: 72.70%
#1047 of 1077 Bottom 2.9% in 100M-500M tier
1033
Loan-to-Member Ratio (LMR)
engagement
Value: $4,614
Peer Avg: $10,245
#1033 of 1077 Bottom 4.2% in 100M-500M tier
964
Deposit Growth Rate
growth
Value: -1.63%
Peer Avg: 4.69%
#964 of 1077 Bottom 10.6% in 100M-500M tier
955
Total Deposits
balance_sheet
Value: $100.28M
Peer Avg: $200.29M
#955 of 1077 Bottom 11.4% in 100M-500M tier
949
Total Assets
balance_sheet
Value: $117.16M
Peer Avg: $231.30M
#949 of 1077 Bottom 12.0% in 100M-500M tier
923
Total Members
engagement
Value: 7,750
Peer Avg: 15,628
#923 of 1077 Bottom 14.4% in 100M-500M tier
859
Average Member Relationship (AMR)
engagement
Value: $17,553
Peer Avg: $24,363
#859 of 1077 Bottom 20.3% in 100M-500M tier
858
Asset Growth Rate
growth
Value: 0.34%
Peer Avg: 4.70%
#858 of 1077 Bottom 20.4% in 100M-500M tier
809
AMR Growth Rate
growth
Value: 0.37%
Peer Avg: 3.64%
#809 of 1077 Bottom 25.0% in 100M-500M tier