CORRY
Charter #12643 | PA
100M-500M
(1077 CUs)
Micro
($0-$500M)
61 100M-500M in PA
CORRY has 7 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 2.9% in tier
- + Organic Growth Engine: Top 3.8% in tier
- + Organic Growth Leader: Top 15.5% in tier
- + Wallet Share Momentum: Top 25.2% in tier
- + Relationship Depth Leader: Top 31.7% in tier
- + ROA 0.77% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 22.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 7.7% in tier
- - Total Assets: Bottom 7.7% in tier
- - Average Member Relationship (AMR): Bottom 7.9% in tier
- - Total Loans: Bottom 8.4% in tier
- - Total Deposits: Bottom 8.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,702
+2.6% YoY+0.7% QoQ
|
-4.9K |
15,628
-3.4% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
34th in tier |
| Assets |
$111.2M
+7.5% YoY+0.4% QoQ
|
$-120.1M |
$231.3M
-0.0% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 7.6% in tier |
| Loans |
$57.0M
+4.1% YoY+2.2% QoQ
|
$-90.8M |
$147.8M
-1.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
Bottom 8.3% in tier |
| Deposits |
$97.5M
+6.8% YoY+0.1% QoQ
|
$-102.8M |
$200.3M
-0.0% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
Bottom 8.5% in tier |
| ROA |
1.6%
+4.9% YoY+4.7% QoQ
|
+0.8% |
0.8%
+15.5% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
Top 10.8% in tier |
| NIM |
3.6%
+3.6% YoY+1.7% QoQ
|
-0.0% |
3.6%
+6.9% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
48th in tier |
| Efficiency Ratio |
68.8%
+8.8% YoY+0.9% QoQ
|
-8.5% |
77.3%
-3.0% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
Bottom 23.0% in tier |
| Delinquency Rate |
0.3%
-59.5% YoY-41.4% QoQ
|
-0.6 |
0.9%
+7.6% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
Bottom 18.3% in tier |
| Loan To Share |
58.5%
-2.5% YoY+2.1% QoQ
|
-14.2% |
72.7%
-1.5% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 19.3% in tier |
| AMR |
$14,434
+3.1% YoY+0.1% QoQ
|
$-10K |
$24,363
+2.9% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
Bottom 7.8% in tier |
| CD Concentration |
24.5%
+9.3% YoY+0.9% QoQ
|
+0.1% |
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 (5)
Emerging Performer
growth
#55 of 627 • Top 2.9% in tier
Profitable credit union with positive returns. May represent growth potential worth exploring.
Why This Signature
Return on Assets:
1.56%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
2.61%
(Tier:
0.88%, National:
9.37%)
627 of 1077 Community CUs have this signature
| 852 nationally
↑ Growing
+13 CUs YoY
|
Rank improving
Organic Growth Engine
growth
#70 of 603 • Top 3.8% in tier
Growing membership while maintaining profitability. Healthy fundamentals in place.
Why This Signature
Member Growth (YoY):
2.61%
(Tier:
0.88%, National:
9.37%)
Return on Assets:
1.56%
(Tier:
0.77%, National:
0.71%)
Indirect Auto %:
0.00%
(Tier:
13.96%, National:
7.90%)
603 of 1077 Community CUs have this signature
| 917 nationally
→ Stable (608→603 CUs)
-5 CUs YoY
|
Rank worsening
Organic Growth Leader
growth
#205 of 430 • Top 15.5% in tier
Attracting members without relying on indirect channels. Healthy, sustainable growth model.
Why This Signature
Member Growth (YoY):
2.61%
(Tier:
0.88%, National:
9.37%)
430 of 1077 Community CUs have this signature
| 608 nationally
↓ Shrinking
-21 CUs YoY
|
Rank worsening
Wallet Share Momentum
growth
#696 of 1006 • Top 25.2% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
3.12%
(Tier:
3.68%, National:
4.19%)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
Rank improving
Relationship Depth Leader
growth
#874 of 1006 • Top 31.7% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
3.12%
(Tier:
3.68%, National:
4.19%)
Share Draft per Member:
$2.0K
(Tier: $2.8K, National: $2.0K)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
Rank worsening
Concerns (1)
Cost Spiral
risk
#55 of 62 • Bottom 22.2% in tier
Historically lean operator now seeing efficiency ratio rise significantly. Efficiency advantage eroding - early intervention critical.
Why This Signature
Efficiency Ratio Change:
5.59% points
(Tier:
-2.84% points, National:
-1.81% points)
Efficiency Ratio (Prior Year):
-
(Tier: -, National: -)
Total Assets:
$111.23M
(Tier: $231.30M, National: $547.69M)
62 of 1077 Community CUs have this signature
| 80 nationally
↓ Shrinking
-38 CUs YoY
|
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)
Top Strengths (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 13.34%
#1 of 1077
Top 0.0% in 100M-500M tier
116
Return on Assets (ROA)
profitability
Value:
1.56%
Peer Avg: 0.79%
#116 of 1077
Top 10.7% in 100M-500M tier
198
Total Delinquency Rate (60+ days)
risk
Value:
0.29%
Peer Avg: 0.86%
#198 of 1077
Top 18.3% in 100M-500M tier
238
Asset Growth Rate
growth
Value:
7.49%
Peer Avg: 4.70%
#238 of 1077
Top 22.0% in 100M-500M tier
249
Efficiency Ratio
profitability
Value:
68.79%
Peer Avg: 77.28%
#249 of 1077
Top 23.0% in 100M-500M tier
253
Member Growth Rate
growth
Value:
2.61%
Peer Avg: 0.72%
#253 of 1077
Top 23.4% in 100M-500M tier
Top Weaknesses (6 metrics)
995
Loan-to-Member Ratio (LMR)
engagement
Value:
$5,327
Peer Avg: $10,245
#995 of 1077
Bottom 7.7% in 100M-500M tier
995
Total Assets
balance_sheet
Value:
$111.23M
Peer Avg: $231.30M
#995 of 1077
Bottom 7.7% in 100M-500M tier
993
Average Member Relationship (AMR)
engagement
Value:
$14,434
Peer Avg: $24,363
#993 of 1077
Bottom 7.9% in 100M-500M tier
988
Total Loans
balance_sheet
Value:
$57.01M
Peer Avg: $147.80M
#988 of 1077
Bottom 8.4% in 100M-500M tier
985
Total Deposits
balance_sheet
Value:
$97.46M
Peer Avg: $200.29M
#985 of 1077
Bottom 8.6% in 100M-500M tier
869
Loan-to-Share Ratio
balance_sheet
Value:
58.50%
Peer Avg: 72.70%
#869 of 1077
Bottom 19.4% in 100M-500M tier