FIRST COMMONWEALTH
Charter #12765 | PA
FIRST COMMONWEALTH has 6 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 18.9% in tier
- + Organic Growth Leader: Top 23.2% in tier
- + Organic Growth Engine: Top 25.8% in tier
- + Wallet Share Momentum: Top 33.2% in tier
- + Relationship Depth Leader: Top 33.7% in tier
- + Net Interest Margin 0.64% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 5.4% in tier
- - Growth-at-Risk: Bottom 15.7% in tier
- - ROA 0.20% below tier average
- - Efficiency ratio 0.52% above tier (higher cost structure)
- - Delinquency rate 0.40% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
96,532
+2.2% YoY+1.5% QoQ
|
-2.1K |
98,678
-1.9% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
57th in tier |
| Assets |
$1.4B
+4.8% YoY-0.5% QoQ
|
$-308.9M |
$1.7B
+0.5% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
39th in tier |
| Loans |
$1.1B
+2.0% YoY+2.6% QoQ
|
$-113.0M |
$1.2B
+0.5% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
51st in tier |
| Deposits |
$1.3B
+4.7% YoY-0.7% QoQ
|
$-186.9M |
$1.5B
+1.3% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
49th in tier |
| ROA |
0.5%
+49.2% YoY-24.9% QoQ
|
-0.2% |
0.7%
+13.4% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
35th in tier |
| NIM |
3.9%
+20.9% YoY+2.3% QoQ
|
+0.6% |
3.3%
+9.3% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
Top 13.8% in tier |
| Efficiency Ratio |
74.5%
-1.6% YoY+4.1% QoQ
|
+0.5% |
74.0%
-10.9% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
49th in tier |
| Delinquency Rate |
1.2%
+36.5% YoY-4.7% QoQ
|
+0.4 |
0.8%
+6.1% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
Top 15.8% in tier |
| Loan To Share |
88.4%
-2.6% YoY+3.3% QoQ
|
+3.2% |
85.2%
-0.8% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
51st in tier |
| AMR |
$24,733
+1.2% YoY-0.6% QoQ
|
$-4K |
$29,172
+2.8% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
33rd in tier |
| CD Concentration |
30.6%
+1.6% YoY+5.1% QoQ
|
+1.6% |
29.0%
+0.8% YoY
|
15.5%
+9.2% YoY
|
19.6%
+6.2% YoY
|
60th in tier |
| Indirect Auto % |
10.3%
-30.4% YoY-8.9% QoQ
|
-8.5% |
18.8%
-2.8% YoY
|
8.0%
+2.0% YoY
|
7.9%
-2.9% YoY
|
35th in tier |
Signature Analysis
Strengths (5)
Emerging Performer
growthProfitable credit union with positive returns. May represent growth potential worth exploring.
Organic Growth Leader
growthAttracting members without relying on indirect channels. Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing year-over-year. Members are deepening their engagement.
Relationship Depth Leader
growthAverage member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Concerns (2)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Growth-at-Risk
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)