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CU Wrapped 2025

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Viewing: Margin Compression
Active filters: Community × Clear all
Concern

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

123
CUs in Community
145
CUs Nationally
↑ Growing
+145 YoY

Most At Risk

Margin Compression • Community tier

Rank Credit Union Pctl
1
FIRST SOUTH FINANCIAL Community
Bartlett, TN
100.0%
2
MON VALLEY COMMUNITY Community
ALLENPORT, PA
99.2%
3
FIRST CHOICE AMERICA COMMUNITY Community
Weirton, WV
98.4%
4
802 Community
Barre, VT
97.5%
5
PROFED Community
Fort Wayne, IN
96.7%
6
ZEAL Community
Livonia, MI
95.9%
7
BROTHERHOOD Community
Lynn, MA
95.1%
8
DEPARTMENT OF CORRECTIONS Community
Baton Rouge, LA
94.3%
9
OXFORD Community
MEXICO, ME
93.4%
10
SOUTHERN CHAUTAUQUA Community
Lakewood, NY
92.6%
11
NUVISTA Community
Montrose, CO
91.8%
12
TRONA VALLEY COMMUNITY Community
GREEN RIVER, WY
91.0%
13
WMCU Community
Grand Rapids, MI
90.2%
14
BORDER Community
Del Rio, TX
89.3%
15
AFFIDIAN Community
Denver, CO
88.5%
16
U.P. STATE Community
Escanaba, MI
87.7%
17
HERITAGE SOUTH COMMUNITY CU Community
Shelbyville, TN
86.9%
18
IAA Community
Bloomington, IL
86.1%
19
GREATER WOODLAWN Community
BLASDELL, NY
85.2%
20
IRON MOUNTAIN KINGSFORD COMMUNITY Community
KINGSFORD, MI
84.4%
21
WESTERN COOPERATIVE Community
Williston, ND
83.6%
22
CANNON Community
CLOVIS, NM
82.8%
23
MOOG EMPLOYEES Community
EAST AURORA, NY
82.0%
24
GREATER PITTSBURGH POLICE Community
Pittsburgh, PA
81.2%
25
CENTURYFIRST Community
HATTIESBURG, MS
80.3%

Least Affected

Margin Compression • Community tier

Rank Credit Union Pctl
1
NESC Community
METHUEN, MA
0.0%
2
ALABAMA CENTRAL Community
Birmingham, AL
0.8%
3
CIRCLE Community
Niles, MI
1.6%
4
ASPEN Community
Rapid City, SD
2.5%
5
SUMMIT Community
Greensboro, NC
3.3%
6
CONNECT CREDIT UNION Community
Fort lauderdale, FL
4.1%
7
LUSO-AMERICAN Community
Peabody, MA
4.9%
8
L G & W Community
MEMPHIS, TN
5.7%
9
MEMBERSOWN Community
Lincoln, NE
6.6%
10
MERCK SHARP & DOHME Community
CHALFONT, PA
7.4%
11
UNITED COMMUNITY Community
Quincy, IL
8.2%
12
ASSOCIATED HEALTHCARE Community
Woodbury, MN
9.0%
13
LISBON COMMUNITY Community
Lisbon, ME
9.8%
14
LANCO Community
Lancaster, PA
10.7%
15
TRI BORO Community
Munhall, PA
11.5%
16
EXCEL Community
Norcross, GA
12.3%
17
SIOUXLAND Community
South Sioux Cit, NE
13.1%
18
CROSS VALLEY Community
Wilkes Barre, PA
13.9%
19
UNISON Community
Kaukauna, WI
14.8%
20
LONG REACH Community
Middlebourne, WV
15.6%
21
STRAIT VIEW Community
PORT ANGELES, WA
16.4%
22
MARIN COUNTY Community
SAN RAFAEL, CA
17.2%
23
MCBRYDE Community
Eleele, HI
18.0%
24
WELD COMMUNITY Community
Greeley, CO
18.9%
25
FD COMMUNITY Community
Waterbury, CT
19.7%
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