PUBLIC SERVICE EDWARDSPT PL E
Charter #12619 | IN
<100M
(2596 CUs)
Micro
($0-$500M)
82 <100M in IN
PUBLIC SERVICE EDWARDSPT PL E has 7 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.05% above tier average
- + Net Interest Margin 0.20% above tier average
- + 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 Charge-Off Rate: Top 1.3% in tier
- + Efficiency Ratio: Top 1.5% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.2% YoY
- - Fee Income Per Member: Bottom 6.5% in tier
- - Total Members: Bottom 7.2% in tier
- - Total Assets: Bottom 8.2% in tier
- - Total Deposits: Bottom 9.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
271
-3.2% YoY-0.7% QoQ
|
-2.4K |
2,625
-2.2% YoY
|
22,637
+3.1% YoY
|
33,089
+6.1% YoY
|
Bottom 7.2% in tier |
| Assets |
$1.6M
+2.5% YoY+1.3% QoQ
|
$-28.2M |
$29.9M
+1.1% YoY
|
$383.9M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
Bottom 8.2% in tier |
| Loans |
$988,370
-7.3% YoY+0.8% QoQ
|
$-14.8M |
$15.8M
-2.4% YoY
|
$276.9M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
Bottom 11.6% in tier |
| Deposits |
$1.4M
+0.9% YoY+1.3% QoQ
|
$-24.0M |
$25.5M
+0.4% YoY
|
$323.0M
+10.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 9.0% in tier |
| ROA |
2.7%
+86.4% YoY+19.1% QoQ
|
+2.1% |
0.7%
-731.4% YoY
|
0.9%
+24.5% YoY
|
0.7%
+273.4% YoY
|
Top 2.9% in tier |
| NIM |
4.1%
-20.9% YoY+11.8% QoQ
|
+0.2% |
3.9%
+3.8% YoY
|
3.8%
+8.0% YoY
|
3.7%
+5.0% YoY
|
59th in tier |
| Efficiency Ratio |
34.0%
-52.8% YoY-10.7% QoQ
|
-47.4% |
81.4%
-2.4% YoY
|
77.7%
-3.5% YoY
|
79.1%
-3.3% YoY
|
Bottom 1.5% in tier |
| Delinquency Rate |
0.9%
-24.6% YoY-10.7% QoQ
|
-0.7 |
1.5%
-2.0% YoY
|
1.3%
+19.3% YoY
|
1.2%
-0.9% YoY
|
57th in tier |
| Loan To Share |
70.2%
-8.2% YoY-0.5% QoQ
|
+9.0% |
61.2%
-3.0% YoY
|
69.6%
-2.1% YoY
|
68.0%
-1.7% YoY
|
63rd in tier |
| AMR |
$8,843
+0.6% YoY+1.9% QoQ
|
$-6K |
$14,627
-2.7% YoY
|
$18,326
+4.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 23.2% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
19.0%
+9.9% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
11.0%
-3.5% 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
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
36
Net Charge-Off Rate
risk
Value:
-0.40%
Peer Avg: 0.57%
#36 of 2596
Top 1.3% in <100M tier
39
Efficiency Ratio
profitability
Value:
33.96%
Peer Avg: 81.39%
#39 of 2596
Top 1.5% in <100M tier
75
Return on Assets (ROA)
profitability
Value:
2.74%
Peer Avg: 0.68%
#75 of 2596
Top 2.9% in <100M tier
Top Weaknesses (6 metrics)
2429
Fee Income Per Member
profitability
Value:
$0.54
Peer Avg: $182.96
#2429 of 2596
Bottom 6.5% in <100M tier
2410
Total Members
engagement
Value:
271
Peer Avg: 2,626
#2410 of 2596
Bottom 7.2% in <100M tier
2384
Total Assets
balance_sheet
Value:
$1.65M
Peer Avg: $29.86M
#2384 of 2596
Bottom 8.2% in <100M tier
2363
Total Deposits
balance_sheet
Value:
$1.41M
Peer Avg: $25.45M
#2363 of 2596
Bottom 9.0% in <100M tier
2296
Total Loans
balance_sheet
Value:
$988,370
Peer Avg: $15.77M
#2296 of 2596
Bottom 11.6% in <100M tier
1993
Average Member Relationship (AMR)
engagement
Value:
$8,843
Peer Avg: $14,627
#1993 of 2596
Bottom 23.3% in <100M tier