S I PHILADELPHIA
Charter #11783 | PA
<100M
(2596 CUs)
Micro
($0-$500M)
198 <100M in PA
S I PHILADELPHIA has 7 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.11% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 3.4% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Loan-to-Share Ratio: Bottom 0.7% in tier
- - Total Loans: Bottom 0.7% in tier
- - Loan-to-Member Ratio (LMR): Bottom 0.8% in tier
- - Total Members: Bottom 0.8% in tier
- - Loan Growth Rate: Bottom 1.0% in tier
- - Total Deposits: Bottom 1.2% in tier
- - Total Assets: Bottom 1.2% in tier
- - Average Member Relationship (AMR): Bottom 2.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
75
0% YoY+1.4% QoQ
|
-2.6K |
2,625
-2.2% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
Bottom 0.7% in tier |
| Assets |
$212,106
-0.9% YoY+2.6% QoQ
|
$-29.6M |
$29.9M
+1.1% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 1.2% in tier |
| Loans |
$2,029
-71.9% YoY-52.2% QoQ
|
$-15.8M |
$15.8M
-2.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
Bottom 0.7% in tier |
| Deposits |
$135,182
-1.1% YoY+3.9% QoQ
|
$-25.3M |
$25.5M
+0.4% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
Bottom 1.1% in tier |
| ROA |
0.8%
-33.6% YoY-20.1% QoQ
|
+0.1% |
0.7%
-731.4% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
52nd in tier |
| NIM |
3.2%
-4.7% YoY-2.7% QoQ
|
-0.7% |
3.9%
+3.8% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
Bottom 23.5% in tier |
| Efficiency Ratio |
75.7%
+13.8% YoY+6.9% QoQ
|
-5.7% |
81.4%
-2.4% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
44th in tier |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.5 |
1.5%
-2.0% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
1.5%
-71.6% YoY-54.0% QoQ
|
-59.7% |
61.2%
-3.0% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 0.5% in tier |
| AMR |
$1,829
-4.7% YoY+0.8% QoQ
|
$-13K |
$14,627
-2.7% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
Bottom 2.5% in tier |
| CD Concentration | 0.0% | -24.4% |
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 (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (6 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: 1.51%
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
89
Net Worth Ratio
risk
Value:
36.27%
Peer Avg: 16.43%
#89 of 2596
Top 3.4% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
Top Weaknesses (12 metrics)
2596
Members Per Employee (MPE)
engagement
Value:
-
Peer Avg: 365.701
#2596 of 2596
Bottom 0.0% in <100M tier
2579
Loan-to-Share Ratio
balance_sheet
Value:
1.50%
Peer Avg: 61.23%
#2579 of 2596
Bottom 0.7% in <100M tier
2579
Total Loans
balance_sheet
Value:
$2,029
Peer Avg: $15.77M
#2579 of 2596
Bottom 0.7% in <100M tier
2576
Loan-to-Member Ratio (LMR)
engagement
Value:
$27.05
Peer Avg: $5,488
#2576 of 2596
Bottom 0.8% in <100M tier
2575
Total Members
engagement
Value:
75
Peer Avg: 2,626
#2575 of 2596
Bottom 0.8% in <100M tier
2570
Loan Growth Rate
growth
Value:
-71.95%
Peer Avg: 59.01%
#2570 of 2596
Bottom 1.0% in <100M tier
2567
Total Deposits
balance_sheet
Value:
$135,182
Peer Avg: $25.45M
#2567 of 2596
Bottom 1.2% in <100M tier
2565
Total Assets
balance_sheet
Value:
$212,106
Peer Avg: $29.86M
#2565 of 2596
Bottom 1.2% in <100M tier
2530
Average Member Relationship (AMR)
engagement
Value:
$1,829
Peer Avg: $14,627
#2530 of 2596
Bottom 2.6% in <100M tier
2318
Fee Income Per Member
profitability
Value:
$2.42
Peer Avg: $182.96
#2318 of 2596
Bottom 10.7% in <100M tier