POLY SCIENTIFIC EMPLOYEES

Charter #13544 | VA

<100M (2596 CUs) Micro
49 <100M in VA

POLY SCIENTIFIC EMPLOYEES has 3 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Net Interest Margin 0.03% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Share Certificate Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

  • - ROA 0.79% below tier average
  • - Delinquency rate 3.39% above tier average
  • - Fee Income Per Member: Bottom 4.5% in tier
  • - Deposit Growth Rate: Bottom 5.2% in tier
  • - Asset Growth Rate: Bottom 6.3% in tier
  • - Total Delinquency Rate (60+ days): Bottom 6.3% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Members 696
-1.8% YoY-0.6% QoQ
 -1.9K 2,625
-2.2% YoY
 220,190
+7.3% YoY
 33,089
+6.1% YoY
 Bottom 19.7% in tier
Assets $5.6M
-9.1% YoY-3.1% QoQ
 $-24.3M $29.9M
+1.1% YoY
 $2.9B
+6.5% YoY
 $547.7M
+7.8% YoY
 Bottom 21.3% in tier
Loans $3.2M
+0.5% YoY+4.3% QoQ
 $-12.5M $15.8M
-2.4% YoY
 $2.1B
+5.3% YoY
 $388.7M
+8.6% YoY
 25th in tier
Deposits $4.2M
-12.0% YoY-4.5% QoQ
 $-21.3M $25.5M
+0.4% YoY
 $2.4B
+8.1% YoY
 $464.6M
+9.3% YoY
 Bottom 20.0% in tier
ROA -0.1%
+10775.9% YoY-85.7% QoQ
 -0.8% 0.7%
-731.4% YoY
 0.7%
+11.3% YoY
 0.7%
+273.4% YoY
 Bottom 13.8% in tier
NIM 4.0%
-1.0% YoY+2.3% QoQ
 +0.0% 3.9%
+3.8% YoY
 3.9%
+2.0% YoY
 3.7%
+5.0% YoY
 53rd in tier
Efficiency Ratio 69.3%
-0.8% YoY-6.9% QoQ
 -12.0% 81.4%
-2.4% YoY
 80.4%
+0.4% YoY
 79.1%
-3.3% YoY
 30th in tier
Delinquency Rate 4.9%
+14.6% YoY-16.5% QoQ
 +3.4 1.5%
-2.0% YoY
 1.7%
+32.7% YoY
 1.2%
-0.9% YoY
 Top 6.3% in tier
Loan To Share 78.2%
+14.3% YoY+9.3% QoQ
 +17.0% 61.2%
-3.0% YoY
 66.7%
-4.2% YoY
 68.0%
-1.7% YoY
 75th in tier
AMR $10,630
-5.2% YoY-0.3% QoQ
 $-4K $14,627
-2.7% YoY
 $18,613
+1.9% YoY
 $19,418
+1.3% YoY
 32nd in tier
CD Concentration 0.0% -24.4% 24.4%
+4.2% YoY
 18.8%
+3.1% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 9.7%
-0.5% 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)

Comparing against 2596 peers in tier

Top Strengths (4 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 2.84%
#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
278
Net Worth Ratio
risk
Value: 25.35%
Peer Avg: 16.43%
#278 of 2596 Top 10.7% in <100M tier
649
Loan-to-Share Ratio
balance_sheet
Value: 78.19%
Peer Avg: 61.23%
#649 of 2596 Top 25.0% in <100M tier

Top Weaknesses (10 metrics)

2481
Fee Income Per Member
profitability
Value: $0.04
Peer Avg: $182.96
#2481 of 2596 Bottom 4.5% in <100M tier
2463
Deposit Growth Rate
growth
Value: -12.04%
Peer Avg: 16.80%
#2463 of 2596 Bottom 5.2% in <100M tier
2433
Asset Growth Rate
growth
Value: -9.14%
Peer Avg: 1.82%
#2433 of 2596 Bottom 6.3% in <100M tier
2433
Total Delinquency Rate (60+ days)
risk
Value: 4.90%
Peer Avg: 1.51%
#2433 of 2596 Bottom 6.3% in <100M tier
2292
Net Charge-Off Rate
risk
Value: 1.17%
Peer Avg: 0.57%
#2292 of 2596 Bottom 11.7% in <100M tier
2239
Return on Assets (ROA)
profitability
Value: -0.11%
Peer Avg: 0.68%
#2239 of 2596 Bottom 13.8% in <100M tier
2155
AMR Growth Rate
growth
Value: -5.21%
Peer Avg: 4.67%
#2155 of 2596 Bottom 17.0% in <100M tier
2085
Total Members
engagement
Value: 696
Peer Avg: 2,626
#2085 of 2596 Bottom 19.7% in <100M tier
2077
Total Deposits
balance_sheet
Value: $4.15M
Peer Avg: $25.45M
#2077 of 2596 Bottom 20.0% in <100M tier
2043
Total Assets
balance_sheet
Value: $5.56M
Peer Avg: $29.86M
#2043 of 2596 Bottom 21.3% in <100M tier