SAFE

Charter #9988 | SC

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

SAFE has 5 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 31.7% in tier
  • + Relationship Depth Leader: Top 33.8% in tier
  • + ROA 0.82% above tier average
  • + Net Interest Margin 0.30% above tier average
  • + Efficiency Ratio: Top 3.9% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 4.4% in tier
  • - Stagnation Risk: Bottom 13.8% in tier
  • - Indirect Auto Dependency: Bottom 22.4% in tier
  • - Membership Headwinds: Bottom 23.8% in tier
  • - Flatlined Growth: Bottom 25.7% in tier
  • - Delinquency rate 0.31% above tier average
  • - Average Member Relationship (AMR): Bottom 9.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
Members 142,913
-1.6% YoY0% QoQ
 +44.2K 98,678
-1.9% YoY
 37,124
+2.2% YoY
 33,089
+6.1% YoY
 Top 14.8% in tier
Assets $1.9B
+0.5% YoY-0.2% QoQ
 +$162.6M $1.7B
+0.5% YoY
 $514.3M
+4.6% YoY
 $547.7M
+7.8% YoY
 65th in tier
Loans $1.3B
-0.2% YoY+1.4% QoQ
 +$69.7M $1.2B
+0.5% YoY
 $362.8M
+7.0% YoY
 $388.7M
+8.6% YoY
 64th in tier
Deposits $1.7B
+0.2% YoY-0.7% QoQ
 +$202.6M $1.5B
+1.3% YoY
 $433.3M
+6.0% YoY
 $464.6M
+9.3% YoY
 67th in tier
ROA 1.5%
+199.7% YoY+4.1% QoQ
 +0.8% 0.7%
+13.4% YoY
 1.2%
+18.8% YoY
 0.7%
+273.4% YoY
 Top 5.9% in tier
NIM 3.6%
+38.8% YoY+4.0% QoQ
 +0.3% 3.3%
+9.3% YoY
 4.3%
+2.6% YoY
 3.7%
+5.0% YoY
 69th in tier
Efficiency Ratio 58.1%
-18.5% YoY-3.3% QoQ
 -15.8% 74.0%
-10.9% YoY
 75.1%
-1.9% YoY
 79.1%
-3.3% YoY
 Bottom 3.9% in tier
Delinquency Rate 1.1%
+50.0% YoY+9.9% QoQ
 +0.3 0.8%
+6.1% YoY
 0.9%
+10.3% YoY
 1.2%
-0.9% YoY
 Top 18.8% in tier
Loan To Share 78.6%
-0.4% YoY+2.1% QoQ
 -6.6% 85.2%
-0.8% YoY
 71.3%
-1.2% YoY
 68.0%
-1.7% YoY
 30th in tier
AMR $20,710
+1.6% YoY+0.2% QoQ
 $-8K $29,172
+2.8% YoY
 $16,641
+2.9% YoY
 $19,418
+1.3% YoY
 Bottom 9.5% in tier
CD Concentration 31.9%
-4.5% YoY+5.5% QoQ
 +2.9% 29.0%
+0.8% YoY
 17.4%
+3.6% YoY
 19.6%
+6.2% YoY
 65th in tier
Indirect Auto % 27.3%
-15.9% YoY-3.4% QoQ
 +8.5% 18.8%
-2.8% YoY
 5.9%
-5.3% YoY
 7.9%
-2.9% YoY
 70th in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#230 of 264 • Top 31.7% in tier

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

Why This Signature
AMR Growth (YoY): 1.64%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Relationship Depth Leader

growth
#245 of 264 • Top 33.8% in tier

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

Why This Signature
AMR Growth (YoY): 1.64%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $2.4K
(Tier: $3.1K, National: $2.0K)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Concerns (5)

Credit Quality Pressure

risk
#35 of 217 • Bottom 4.4% in tier

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

Why This Signature
Delinquency Change (YoY): 0.38% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank improving

Stagnation Risk

risk
#34 of 85 • Bottom 13.8% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 1.52%
(Tier: 0.71%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -1.61%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $20.7K
(Tier: $29.2K, National: $19.4K)
worse than tier avg
CD Concentration: 31.87%
(Tier: 28.98%, National: 19.60%)
worse than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#139 of 202 • Bottom 22.4% in tier

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

Why This Signature
Asset Growth (YoY): 0.48%
(Tier: 5.36%, National: 3.04%)
worse than tier avg
Indirect Auto %: 27.29%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -1.61%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank worsening

Membership Headwinds

decline
#58 of 85 • Bottom 23.8% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -1.61%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 CUs YoY | New qualifier

Flatlined Growth

risk
#10 of 18 • Bottom 25.7% in tier

Asset growth has flattened despite healthy profitability. May indicate a need to reassess growth strategy.

Why This Signature
Total Assets: $1.88B
(Tier: $1.72B, National: $547.69M)
but better than tier avg
Asset Growth (YoY): 0.48%
(Tier: 5.36%, National: 3.04%)
worse than tier avg
Return on Assets: 1.52%
(Tier: 0.71%, National: 0.71%)
but better than tier avg
18 of 380 Mid-Market CUs have this signature | 82 nationally
→ Stable (18→18 CUs) | 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)

Comparing against 304 peers in tier

Top Strengths (3 metrics)

13
Efficiency Ratio
profitability
Value: 58.14%
Peer Avg: 73.97%
#13 of 304 Top 3.9% in 1B-3B tier
18
Return on Assets (ROA)
profitability
Value: 1.52%
Peer Avg: 0.70%
#18 of 304 Top 5.6% in 1B-3B tier
45
Total Members
engagement
Value: 142,913
Peer Avg: 98,678
#45 of 304 Top 14.5% in 1B-3B tier

Top Weaknesses (7 metrics)

275
Average Member Relationship (AMR)
engagement
Value: $20,710
Peer Avg: $29,172
#275 of 304 Bottom 9.9% in 1B-3B tier
268
Loan-to-Member Ratio (LMR)
engagement
Value: $9,116
Peer Avg: $13,213
#268 of 304 Bottom 12.2% in 1B-3B tier
255
Deposit Growth Rate
growth
Value: 0.17%
Peer Avg: 5.58%
#255 of 304 Bottom 16.4% in 1B-3B tier
249
Member Growth Rate
growth
Value: -1.61%
Peer Avg: 2.20%
#249 of 304 Bottom 18.4% in 1B-3B tier
248
Total Delinquency Rate (60+ days)
risk
Value: 1.13%
Peer Avg: 0.83%
#248 of 304 Bottom 18.8% in 1B-3B tier
241
Net Charge-Off Rate
risk
Value: 0.88%
Peer Avg: 0.60%
#241 of 304 Bottom 21.1% in 1B-3B tier
236
Asset Growth Rate
growth
Value: 0.48%
Peer Avg: 4.83%
#236 of 304 Bottom 22.7% in 1B-3B tier