B V M S N
Charter #13821 | PA
<100M
(2596 CUs)
Micro
($0-$500M)
198 <100M in PA
B V M S N has 5 strengths but faces 14 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.04% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Member decline: -12.8% YoY
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Loan Growth Rate: Bottom 1.5% in tier
- - Asset Growth Rate: Bottom 1.8% in tier
- - Deposit Growth Rate: Bottom 1.8% in tier
- - Member Growth Rate: Bottom 3.9% in tier
- - Total Members: Bottom 4.1% in tier
- - Net Interest Margin (NIM): Bottom 4.2% in tier
- - AMR Growth Rate: Bottom 4.4% in tier
- - Total Loans: Bottom 5.2% in tier
- - Loan-to-Share Ratio: Bottom 5.8% in tier
- - Total Assets: Bottom 8.4% in tier
- - Total Deposits: Bottom 8.7% in tier
- - Loan-to-Member Ratio (LMR): Bottom 9.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
184
-12.8% YoY-3.7% QoQ
|
-2.4K |
2,625
-2.2% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
Bottom 4.0% in tier |
| Assets |
$1.7M
-15.6% YoY-2.5% QoQ
|
$-28.1M |
$29.9M
+1.1% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 8.4% in tier |
| Loans |
$307,017
-42.6% YoY-10.3% QoQ
|
$-15.5M |
$15.8M
-2.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
Bottom 5.2% in tier |
| Deposits |
$1.4M
-19.5% YoY-3.3% QoQ
|
$-24.1M |
$25.5M
+0.4% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
Bottom 8.7% in tier |
| ROA |
0.7%
+116.5% YoY-7.9% QoQ
|
+0.0% |
0.7%
-731.4% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
48th in tier |
| NIM |
2.1%
+48.8% YoY+3.1% QoQ
|
-1.8% |
3.9%
+3.8% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
Bottom 4.1% in tier |
| Efficiency Ratio |
66.6%
-13.4% YoY+6.4% QoQ
|
-14.8% |
81.4%
-2.4% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
Bottom 24.2% 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 |
22.7%
-28.7% YoY-7.2% QoQ
|
-38.5% |
61.2%
-3.0% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 5.6% in tier |
| AMR |
$9,023
-14.0% YoY-1.1% QoQ
|
$-6K |
$14,627
-2.7% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
Bottom 24.1% 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
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% 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
471
Net Worth Ratio
risk
Value:
21.37%
Peer Avg: 16.43%
#471 of 2596
Top 18.1% in <100M tier
630
Efficiency Ratio
profitability
Value:
66.58%
Peer Avg: 81.39%
#630 of 2596
Top 24.2% in <100M tier
Top Weaknesses (16 metrics)
2596
Members Per Employee (MPE)
engagement
Value:
-
Peer Avg: 365.701
#2596 of 2596
Bottom 0.0% in <100M tier
2557
Loan Growth Rate
growth
Value:
-42.59%
Peer Avg: 59.01%
#2557 of 2596
Bottom 1.5% in <100M tier
2551
Asset Growth Rate
growth
Value:
-15.63%
Peer Avg: 1.82%
#2551 of 2596
Bottom 1.8% in <100M tier
2551
Deposit Growth Rate
growth
Value:
-19.45%
Peer Avg: 16.80%
#2551 of 2596
Bottom 1.8% in <100M tier
2495
Member Growth Rate
growth
Value:
-12.80%
Peer Avg: 14.92%
#2495 of 2596
Bottom 3.9% in <100M tier
2491
Total Members
engagement
Value:
184
Peer Avg: 2,626
#2491 of 2596
Bottom 4.1% in <100M tier
2489
Net Interest Margin (NIM)
profitability
Value:
2.12%
Peer Avg: 3.93%
#2489 of 2596
Bottom 4.2% in <100M tier
2484
AMR Growth Rate
growth
Value:
-14.04%
Peer Avg: 4.67%
#2484 of 2596
Bottom 4.4% in <100M tier
2461
Total Loans
balance_sheet
Value:
$307,017
Peer Avg: $15.77M
#2461 of 2596
Bottom 5.2% in <100M tier
2446
Loan-to-Share Ratio
balance_sheet
Value:
22.69%
Peer Avg: 61.23%
#2446 of 2596
Bottom 5.8% in <100M tier