REV

Charter #9986 | SC

1B-3B (304 CUs) Mid-Market (380 CUs)
8 1B-3B in SC

REV has 5 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 8.6% in tier
  • + Wallet Share Momentum: Top 10.0% in tier
  • + Emerging Performer: Top 24.6% in tier
  • + Net Interest Margin 0.40% above tier average
  • + Net Worth Ratio: Top 9.2% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 0.3% in tier
  • - Liquidity Strain: Bottom 6.1% in tier
  • - Liquidity Overhang: Bottom 21.2% in tier
  • - Growth-at-Risk: Bottom 21.4% in tier
  • - Credit Quality Pressure: Bottom 25.4% in tier
  • - ROA 0.10% below tier average
  • - Efficiency ratio 12.07% above tier (higher cost structure)
  • - Members Per Employee (MPE): Bottom 6.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
Members 67,129
+0.0% YoY+0.5% QoQ
 -31.5K 98,678
-1.9% YoY
 37,124
+2.2% YoY
 33,089
+6.1% YoY
 Bottom 21.7% in tier
Assets $1.1B
+4.5% YoY+0.2% QoQ
 $-574.5M $1.7B
+0.5% YoY
 $514.3M
+4.6% YoY
 $547.7M
+7.8% YoY
 Bottom 16.4% in tier
Loans $939.9M
+8.9% YoY+1.5% QoQ
 $-293.2M $1.2B
+0.5% YoY
 $362.8M
+7.0% YoY
 $388.7M
+8.6% YoY
 31st in tier
Deposits $922.9M
+4.8% YoY-0.0% QoQ
 $-531.4M $1.5B
+1.3% YoY
 $433.3M
+6.0% YoY
 $464.6M
+9.3% YoY
 Bottom 10.2% in tier
ROA 0.6%
+5.4% YoY-2.1% QoQ
 -0.1% 0.7%
+13.4% YoY
 1.2%
+18.8% YoY
 0.7%
+273.4% YoY
 42nd in tier
NIM 3.7%
+2.7% YoY+1.6% QoQ
 +0.4% 3.3%
+9.3% YoY
 4.3%
+2.6% YoY
 3.7%
+5.0% YoY
 Top 23.4% in tier
Efficiency Ratio 86.0%
+1.6% YoY+0.5% QoQ
 +12.1% 74.0%
-10.9% YoY
 75.1%
-1.9% YoY
 79.1%
-3.3% YoY
 Top 7.6% in tier
Delinquency Rate 0.7%
+2.9% YoY+2.5% QoQ
 -0.1 0.8%
+6.1% YoY
 0.9%
+10.3% YoY
 1.2%
-0.9% YoY
 51st in tier
Loan To Share 101.8%
+4.0% YoY+1.5% QoQ
 +16.6% 85.2%
-0.8% YoY
 71.3%
-1.2% YoY
 68.0%
-1.7% YoY
 Top 11.8% in tier
AMR $27,750
+6.8% YoY+0.2% QoQ
 $-1K $29,172
+2.8% YoY
 $16,641
+2.9% YoY
 $19,418
+1.3% YoY
 52nd in tier
CD Concentration 26.4%
+6.1% YoY+3.5% QoQ
 -2.5% 29.0%
+0.8% YoY
 17.4%
+3.6% YoY
 19.6%
+6.2% YoY
 40th in tier
Indirect Auto % 8.8%
-26.6% YoY-5.5% QoQ
 -10.0% 18.8%
-2.8% YoY
 5.9%
-5.3% YoY
 7.9%
-2.9% YoY
 33rd in tier

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth
#63 of 264 • Top 8.6% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 6.80%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.1K
(Tier: $3.1K, National: $2.0K)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Wallet Share Momentum

growth
#73 of 264 • Top 10.0% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 6.80%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Emerging Performer

growth
#131 of 184 • Top 24.6% in tier

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

Why This Signature
Return on Assets: 0.60%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): 0.00%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | Rank worsening

Concerns (5)

Efficiency Drag

risk
#2 of 96 • Bottom 0.3% in tier

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

Why This Signature
Efficiency Ratio: 86.04%
(Tier: 73.45%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.03% points
(Tier: 0.07% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): 0.00%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
96 of 380 Mid-Market CUs have this signature | 624 nationally
↓ Shrinking -32 CUs YoY | Rank improving

Liquidity Strain

risk
#33 of 183 • Bottom 6.1% in tier

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

Why This Signature
Loan-to-Share Ratio: 101.84%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 8.90%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY | Rank improving

Liquidity Overhang

risk
#69 of 113 • Bottom 21.2% 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: 14.76%
(Tier: 11.30%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 101.84%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
113 of 380 Mid-Market CUs have this signature | 691 nationally
↑ Growing +9 CUs YoY | Rank worsening

Growth-at-Risk

risk
#120 of 161 • Bottom 21.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 8.90%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.02% points
(Tier: 0.07% points, National: 0.07% points)
but better than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 CUs YoY | New qualifier

Credit Quality Pressure

risk
#195 of 217 • Bottom 25.4% in tier

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

Why This Signature
Delinquency Change (YoY): 0.02% points
(Tier: 0.07% points, National: 0.07% points)
but better than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 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 304 peers in tier

Top Strengths (4 metrics)

29
Net Worth Ratio
risk
Value: 14.76%
Peer Avg: 11.44%
#29 of 304 Top 9.2% in 1B-3B tier
36
Loan-to-Share Ratio
balance_sheet
Value: 101.84%
Peer Avg: 85.19%
#36 of 304 Top 11.5% in 1B-3B tier
59
AMR Growth Rate
growth
Value: 6.80%
Peer Avg: 3.29%
#59 of 304 Top 19.1% in 1B-3B tier
71
Net Interest Margin (NIM)
profitability
Value: 3.67%
Peer Avg: 3.26%
#71 of 304 Top 23.0% in 1B-3B tier

Top Weaknesses (5 metrics)

284
Members Per Employee (MPE)
engagement
Value: 254.277
Peer Avg: 364.953
#284 of 304 Bottom 6.9% in 1B-3B tier
282
Efficiency Ratio
profitability
Value: 86.04%
Peer Avg: 73.97%
#282 of 304 Bottom 7.6% in 1B-3B tier
273
Total Deposits
balance_sheet
Value: $922.94M
Peer Avg: $1.45B
#273 of 304 Bottom 10.5% in 1B-3B tier
254
Total Assets
balance_sheet
Value: $1.15B
Peer Avg: $1.72B
#254 of 304 Bottom 16.8% in 1B-3B tier
238
Total Members
engagement
Value: 67,129
Peer Avg: 98,678
#238 of 304 Bottom 22.0% in 1B-3B tier