GROW FINANCIAL

Charter #9976 | FL

3B-5B (76 CUs) Mid-Market (380 CUs)
3 3B-5B in FL

GROW FINANCIAL has 4 strengths but faces 3 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 9.9% in tier
  • + ROA 0.29% above tier average
  • + Net Interest Margin 0.39% above tier average
  • + Strong member growth: 5.6% YoY

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 17.2% in tier
  • - Liquidity Strain: Bottom 28.2% in tier
  • - Indirect Auto Concentration (%): Bottom 3.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Members 291,812
+5.6% YoY+1.0% QoQ
 +53.3K 238,465
+0.6% YoY
 69,671
+4.3% YoY
 33,089
+6.1% YoY
 Top 18.4% in tier
Assets $3.8B
+0.7% YoY-0.3% QoQ
 $-200.2M $4.0B
-0.1% YoY
 $1.1B
+3.8% YoY
 $547.7M
+7.8% YoY
 43rd in tier
Loans $2.9B
+5.7% YoY+1.4% QoQ
 $-133.0M $3.0B
+3.3% YoY
 $773.4M
+7.4% YoY
 $388.7M
+8.6% YoY
 38th in tier
Deposits $3.1B
+4.7% YoY-0.8% QoQ
 $-208.3M $3.3B
+1.1% YoY
 $908.2M
+6.5% YoY
 $464.6M
+9.3% YoY
 33rd in tier
ROA 1.0%
+16.4% YoY-14.6% QoQ
 +0.3% 0.7%
+5.3% YoY
 0.6%
+15.9% YoY
 0.7%
+273.4% YoY
 68th in tier
NIM 3.6%
+12.3% YoY+2.8% QoQ
 +0.4% 3.2%
+13.7% YoY
 3.6%
+6.7% YoY
 3.7%
+5.0% YoY
 71st in tier
Efficiency Ratio 67.0%
-1.8% YoY+3.1% QoQ
 -4.2% 71.3%
-0.6% YoY
 79.0%
+0.0% YoY
 79.1%
-3.3% YoY
 37th in tier
Delinquency Rate 0.5%
-5.0% YoY+0.9% QoQ
 -0.4 0.8%
+15.9% YoY
 0.7%
+3.1% YoY
 1.2%
-0.9% YoY
 34th in tier
Loan To Share 92.4%
+1.0% YoY+2.2% QoQ
 +1.5% 90.8%
+2.0% YoY
 71.2%
+0.4% YoY
 68.0%
-1.7% YoY
 47th in tier
AMR $20,599
-0.5% YoY-0.7% QoQ
 $-8K $29,088
+0.1% YoY
 $22,283
+3.7% YoY
 $19,418
+1.3% YoY
 Bottom 10.5% in tier
CD Concentration 25.1%
+4.2% YoY+3.1% QoQ
 -3.9% 29.0%
+0.8% YoY
 23.4%
+4.5% YoY
 19.6%
+6.2% YoY
 34th in tier
Indirect Auto % 50.2%
+1.1% YoY-0.4% QoQ
 +31.4% 18.8%
-2.8% YoY
 10.9%
-1.4% YoY
 7.9%
-2.9% YoY
 Top 4.5% in tier

Signature Analysis

Strengths (1)

Organic Growth Engine

growth
#73 of 246 • Top 9.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 5.64%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 1.04%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 50.22%
(Tier: 18.80%, National: 7.90%)
but worse than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank improving

Concerns (2)

Indirect Auto Dependency

risk
#107 of 202 • Bottom 17.2% in tier

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

Why This Signature
Asset Growth (YoY): 0.67%
(Tier: 5.36%, National: 3.04%)
worse than tier avg
Indirect Auto %: 50.22%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 5.64%
(Tier: 3.18%, National: 9.37%)
but better than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank worsening

Liquidity Strain

risk
#149 of 183 • Bottom 28.2% in tier

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

Why This Signature
Loan-to-Share Ratio: 92.36%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 5.67%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 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 76 peers in tier

Top Strengths (1 metrics)

14
Total Members
engagement
Value: 291,812
Peer Avg: 238,466
#14 of 76 Top 17.1% in 3B-5B tier

Top Weaknesses (5 metrics)

74
Indirect Auto Concentration (%)
balance_sheet
Value: 50.22%
Peer Avg: 20.57%
#74 of 76 Bottom 3.9% in 3B-5B tier
69
Loan-to-Member Ratio (LMR)
engagement
Value: $9,890
Peer Avg: $13,761
#69 of 76 Bottom 10.5% in 3B-5B tier
68
Average Member Relationship (AMR)
engagement
Value: $20,599
Peer Avg: $29,088
#68 of 76 Bottom 11.8% in 3B-5B tier
60
Asset Growth Rate
growth
Value: 0.67%
Peer Avg: 7.42%
#60 of 76 Bottom 22.4% in 3B-5B tier
59
Net Charge-Off Rate
risk
Value: 0.86%
Peer Avg: 0.64%
#59 of 76 Bottom 23.7% in 3B-5B tier