SANTA FE
Charter #9971 | TX
100M-500M
(1077 CUs)
Micro
($0-$500M)
79 100M-500M in TX
SANTA FE has 3 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 12.2% in tier
- + Organic Growth Engine: Top 24.6% in tier
- + First Mortgage Concentration (%): Top 3.0% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 16.7% in tier
- - Shrinking Wallet Share: Bottom 18.0% in tier
- - Liquidity Overhang: Bottom 21.3% in tier
- - Cost Spiral: Bottom 21.8% in tier
- - ROA 0.09% below tier average
- - Share Certificate Concentration (%): Bottom 2.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
13,525
+2.6% YoY-1.7% QoQ
|
-2.1K |
15,628
-3.4% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
50th in tier |
| Assets |
$216.0M
+6.2% YoY+0.6% QoQ
|
$-15.3M |
$231.3M
-0.0% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
56th in tier |
| Loans |
$122.2M
-5.0% YoY-1.4% QoQ
|
$-25.6M |
$147.8M
-1.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
49th in tier |
| Deposits |
$186.0M
+5.5% YoY+1.1% QoQ
|
$-14.3M |
$200.3M
-0.0% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
55th in tier |
| ROA |
0.7%
+10.4% YoY+6.0% QoQ
|
-0.1% |
0.8%
+15.5% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
45th in tier |
| NIM |
3.3%
+18.2% YoY+1.0% QoQ
|
-0.3% |
3.6%
+6.9% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
32nd in tier |
| Efficiency Ratio |
75.7%
+8.4% YoY+0.0% QoQ
|
-1.6% |
77.3%
-3.0% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
45th in tier |
| Delinquency Rate |
0.8%
-29.6% YoY+30.5% QoQ
|
-0.1 |
0.9%
+7.6% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
60th in tier |
| Loan To Share |
65.7%
-9.9% YoY-2.5% QoQ
|
-7.0% |
72.7%
-1.5% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
32nd in tier |
| AMR |
$22,790
-1.5% YoY+1.8% QoQ
|
$-2K |
$24,363
+2.9% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
52nd in tier |
| CD Concentration |
46.8%
-2.1% YoY+5.1% QoQ
|
+22.4% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % |
25.6%
-26.9% YoY-8.0% QoQ
|
+11.6% |
14.0%
-5.8% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (2)
Emerging Performer
growth
#230 of 627 • Top 12.2% in tier
Profitable credit union with positive returns. May represent growth potential worth exploring.
Why This Signature
Return on Assets:
0.69%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
2.61%
(Tier:
0.88%, National:
9.37%)
627 of 1077 Community CUs have this signature
| 852 nationally
↑ Growing
+13 CUs YoY
|
Rank improving
Organic Growth Engine
growth
#451 of 603 • Top 24.6% in tier
Growing membership while maintaining profitability. Healthy fundamentals in place.
Why This Signature
Member Growth (YoY):
2.61%
(Tier:
0.88%, National:
9.37%)
Return on Assets:
0.69%
(Tier:
0.77%, National:
0.71%)
Indirect Auto %:
25.61%
(Tier:
13.96%, National:
7.90%)
603 of 1077 Community CUs have this signature
| 917 nationally
→ Stable (608→603 CUs)
-5 CUs YoY
|
New qualifier
Concerns (4)
Indirect Auto Dependency
risk
#269 of 525 • Bottom 16.7% in tier
Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Why This Signature
Asset Growth (YoY):
6.21%
(Tier:
4.61%, National:
3.04%)
Indirect Auto %:
25.61%
(Tier:
13.96%, National:
7.90%)
Member Growth (YoY):
2.61%
(Tier:
0.88%, National:
9.37%)
525 of 1077 Community CUs have this signature
| 768 nationally
↓ Shrinking
-18 CUs YoY
|
Rank worsening
Shrinking Wallet Share
decline
#180 of 244 • Bottom 18.0% in tier
Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Why This Signature
AMR Growth (YoY):
-1.51%
(Tier:
3.68%, National:
4.19%)
244 of 1077 Community CUs have this signature
| 346 nationally
↓ Shrinking
-221 CUs YoY
|
Rank improving
Liquidity Overhang
risk
#331 of 552 • Bottom 21.3% 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:
12.76%
(Tier:
11.95%, National:
14.51%)
Loan-to-Share Ratio:
65.69%
(Tier:
74.56%, National:
67.96%)
552 of 1077 Community CUs have this signature
| 691 nationally
↑ Growing
+65 CUs YoY
|
New qualifier
Cost Spiral
risk
#54 of 62 • Bottom 21.8% in tier
Historically lean operator now seeing efficiency ratio rise significantly. Efficiency advantage eroding - early intervention critical.
Why This Signature
Efficiency Ratio Change:
5.86% points
(Tier:
-2.84% points, National:
-1.81% points)
Efficiency Ratio (Prior Year):
-
(Tier: -, National: -)
Total Assets:
$216.00M
(Tier: $231.30M, National: $547.69M)
62 of 1077 Community CUs have this signature
| 80 nationally
↓ Shrinking
-38 CUs YoY
|
New qualifier
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 (2 metrics)
33
First Mortgage Concentration (%)
balance_sheet
Value:
2.12%
Peer Avg: 30.43%
#33 of 1077
Top 3.0% in 100M-500M tier
252
Member Growth Rate
growth
Value:
2.61%
Peer Avg: 0.72%
#252 of 1077
Top 23.3% in 100M-500M tier
Top Weaknesses (6 metrics)
1047
Share Certificate Concentration (%)
balance_sheet
Value:
46.84%
Peer Avg: 23.61%
#1047 of 1077
Bottom 2.9% in 100M-500M tier
955
Net Charge-Off Rate
risk
Value:
0.91%
Peer Avg: 0.47%
#955 of 1077
Bottom 11.4% in 100M-500M tier
935
Loan Growth Rate
growth
Value:
-5.00%
Peer Avg: 3.45%
#935 of 1077
Bottom 13.3% in 100M-500M tier
932
AMR Growth Rate
growth
Value:
-1.51%
Peer Avg: 3.64%
#932 of 1077
Bottom 13.6% in 100M-500M tier
853
Indirect Auto Concentration (%)
balance_sheet
Value:
25.61%
Peer Avg: 13.34%
#853 of 1077
Bottom 20.9% in 100M-500M tier
815
Members Per Employee (MPE)
engagement
Value:
265.196
Peer Avg: 332.881
#815 of 1077
Bottom 24.4% in 100M-500M tier