C-B-W SCHOOLS

Charter #11374 | PA

100M-500M (1077 CUs) Micro
61 100M-500M in PA

C-B-W SCHOOLS has 10 strengths but faces 11 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 4.9% in tier
  • + Relationship Depth Leader: Top 13.5% in tier
  • + Emerging Performer: Top 20.5% in tier
  • + ROA 0.24% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Net Worth Ratio: Top 0.3% in tier
  • + Members Per Employee (MPE): Top 1.9% in tier
  • + Efficiency Ratio: Top 3.8% in tier
  • + Net Charge-Off Rate: Top 4.7% in tier
  • + AMR Growth Rate: Top 9.9% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 0.1% in tier
  • - Stagnation Risk: Bottom 17.5% in tier
  • - Membership Headwinds: Bottom 19.3% in tier
  • - Member decline: -2.1% YoY
  • - Total Loans: Bottom 0.8% in tier
  • - Fee Income Per Member: Bottom 1.1% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 1.4% in tier
  • - Loan-to-Share Ratio: Bottom 1.9% in tier
  • - Net Interest Margin (NIM): Bottom 2.7% in tier
  • - Total Deposits: Bottom 3.2% in tier
  • - First Mortgage Concentration (%): Bottom 9.1% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Members 7,322
-2.1% YoY-0.3% QoQ
 -8.3K 15,628
-3.4% YoY
 17,552
+5.9% YoY
 33,089
+6.1% YoY
 Bottom 12.8% in tier
Assets $124.9M
+8.8% YoY+1.3% QoQ
 $-106.4M $231.3M
-0.0% YoY
 $283.8M
+10.6% YoY
 $547.7M
+7.8% YoY
 Bottom 16.7% in tier
Loans $27.8M
+1.2% YoY+1.7% QoQ
 $-120.0M $147.8M
-1.4% YoY
 $193.1M
+8.6% YoY
 $388.7M
+8.6% YoY
 Bottom 0.7% in tier
Deposits $90.4M
+9.6% YoY+0.9% QoQ
 $-109.9M $200.3M
-0.0% YoY
 $243.3M
+10.9% YoY
 $464.6M
+9.3% YoY
 Bottom 3.1% in tier
ROA 1.0%
+14.4% YoY+4.2% QoQ
 +0.2% 0.8%
+15.5% YoY
 0.8%
+22.9% YoY
 0.7%
+273.4% YoY
 67th in tier
NIM 2.1%
+5.2% YoY+0.8% QoQ
 -1.5% 3.6%
+6.9% YoY
 3.5%
+4.5% YoY
 3.7%
+5.0% YoY
 Bottom 2.6% in tier
Efficiency Ratio 54.5%
-6.4% YoY-2.9% QoQ
 -22.8% 77.3%
-3.0% YoY
 76.2%
-1.5% YoY
 79.1%
-3.3% YoY
 Bottom 3.8% in tier
Delinquency Rate 0.3%
-6.6% YoY-11.2% QoQ
 -0.6 0.9%
+7.6% YoY
 1.3%
-8.2% YoY
 1.2%
-0.9% YoY
 Bottom 17.8% in tier
Loan To Share 30.7%
-7.6% YoY+0.8% QoQ
 -42.0% 72.7%
-1.5% YoY
 55.4%
-2.3% YoY
 68.0%
-1.7% YoY
 Bottom 1.9% in tier
AMR $16,139
+9.8% YoY+1.5% QoQ
 $-8K $24,363
+2.9% YoY
 $16,339
+4.2% YoY
 $19,418
+1.3% YoY
 Bottom 14.1% in tier
CD Concentration 26.7%
+20.7% YoY+4.1% QoQ
 +2.3% 24.4%
+4.2% YoY
 15.5%
+9.2% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 8.0%
+2.0% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth
#136 of 1006 • Top 4.9% in tier

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

Why This Signature
AMR Growth (YoY): 9.78%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Relationship Depth Leader

growth
#373 of 1006 • Top 13.5% in tier

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

Why This Signature
AMR Growth (YoY): 9.78%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.1K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Emerging Performer

growth
#386 of 627 • Top 20.5% in tier

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

Why This Signature
Return on Assets: 1.03%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): -2.06%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank worsening

Concerns (3)

Liquidity Overhang

risk
#3 of 552 • Bottom 0.1% 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: 30.47%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 30.74%
(Tier: 74.56%, National: 67.96%)
worse than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY

Stagnation Risk

risk
#289 of 550 • Bottom 17.5% 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: 1.03%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -2.06%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $16.1K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 26.73%
(Tier: 24.41%, National: 19.60%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Membership Headwinds

decline
#318 of 550 • Bottom 19.3% in tier

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

Why This Signature
Member Growth (YoY): -2.06%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

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 1077 peers in tier

Top Strengths (9 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
4
Net Worth Ratio
risk
Value: 30.47%
Peer Avg: 12.15%
#4 of 1077 Top 0.3% in 100M-500M tier
22
Members Per Employee (MPE)
engagement
Value: 610.167
Peer Avg: 332.881
#22 of 1077 Top 1.9% in 100M-500M tier
42
Efficiency Ratio
profitability
Value: 54.50%
Peer Avg: 77.28%
#42 of 1077 Top 3.8% in 100M-500M tier
52
Net Charge-Off Rate
risk
Value: 0.03%
Peer Avg: 0.47%
#52 of 1077 Top 4.7% in 100M-500M tier
108
AMR Growth Rate
growth
Value: 9.78%
Peer Avg: 3.64%
#108 of 1077 Top 9.9% in 100M-500M tier
134
Deposit Growth Rate
growth
Value: 9.61%
Peer Avg: 4.69%
#134 of 1077 Top 12.3% in 100M-500M tier
177
Asset Growth Rate
growth
Value: 8.84%
Peer Avg: 4.70%
#177 of 1077 Top 16.3% in 100M-500M tier
193
Total Delinquency Rate (60+ days)
risk
Value: 0.29%
Peer Avg: 0.86%
#193 of 1077 Top 17.8% in 100M-500M tier

Top Weaknesses (10 metrics)

1069
Total Loans
balance_sheet
Value: $27.78M
Peer Avg: $147.80M
#1069 of 1077 Bottom 0.8% in 100M-500M tier
1066
Fee Income Per Member
profitability
Value: $24.99
Peer Avg: $174.31
#1066 of 1077 Bottom 1.1% in 100M-500M tier
1063
Loan-to-Member Ratio (LMR)
engagement
Value: $3,795
Peer Avg: $10,245
#1063 of 1077 Bottom 1.4% in 100M-500M tier
1057
Loan-to-Share Ratio
balance_sheet
Value: 30.74%
Peer Avg: 72.70%
#1057 of 1077 Bottom 1.9% in 100M-500M tier
1049
Net Interest Margin (NIM)
profitability
Value: 2.12%
Peer Avg: 3.58%
#1049 of 1077 Bottom 2.7% in 100M-500M tier
1044
Total Deposits
balance_sheet
Value: $90.38M
Peer Avg: $200.29M
#1044 of 1077 Bottom 3.2% in 100M-500M tier
980
First Mortgage Concentration (%)
balance_sheet
Value: 55.07%
Peer Avg: 30.43%
#980 of 1077 Bottom 9.1% in 100M-500M tier
939
Total Members
engagement
Value: 7,322
Peer Avg: 15,628
#939 of 1077 Bottom 12.9% in 100M-500M tier
925
Average Member Relationship (AMR)
engagement
Value: $16,139
Peer Avg: $24,363
#925 of 1077 Bottom 14.2% in 100M-500M tier
897
Total Assets
balance_sheet
Value: $124.89M
Peer Avg: $231.30M
#897 of 1077 Bottom 16.8% in 100M-500M tier