CITYMARK

Charter #14074 | PA

100M-500M (1077 CUs) Micro
61 100M-500M in PA

CITYMARK has 12 strengths but faces 3 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 0.0% in tier
  • + Organic Growth Engine: Top 0.0% in tier
  • + Organic Growth Leader: Top 0.5% in tier
  • + ROA 1.51% above tier average
  • + Net Interest Margin 0.59% above tier average
  • + Strong member growth: 27.0% YoY
  • + Member Growth Rate: Top 1.6% in tier
  • + Asset Growth Rate: Top 2.4% in tier
  • + Deposit Growth Rate: Top 2.6% in tier
  • + Efficiency Ratio: Top 3.4% in tier
  • + Net Worth Ratio: Top 8.7% in tier
  • + Fee Income Per Member: Top 9.0% in tier

Key Concerns

Areas that may need attention

  • - Shrinking Wallet Share: Bottom 2.5% in tier
  • - Liquidity Overhang: Bottom 14.3% in tier
  • - AMR Growth Rate: Bottom 2.0% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Members 7,720
+27.0% YoY-1.3% QoQ
 -7.9K 15,628
-3.4% YoY
 17,552
+5.9% YoY
 33,089
+6.1% YoY
 Bottom 14.1% in tier
Assets $137.9M
+20.3% YoY-0.2% QoQ
 $-93.4M $231.3M
-0.0% YoY
 $283.8M
+10.6% YoY
 $547.7M
+7.8% YoY
 Bottom 24.9% in tier
Loans $94.3M
+9.5% YoY+1.5% QoQ
 $-53.5M $147.8M
-1.4% YoY
 $193.1M
+8.6% YoY
 $388.7M
+8.6% YoY
 31st in tier
Deposits $114.9M
+20.0% YoY-0.9% QoQ
 $-85.4M $200.3M
-0.0% YoY
 $243.3M
+10.9% YoY
 $464.6M
+9.3% YoY
 Bottom 21.4% in tier
ROA 2.3%
-0.7% YoY-1.1% QoQ
 +1.5% 0.8%
+15.5% YoY
 0.8%
+22.9% YoY
 0.7%
+273.4% YoY
 Top 1.6% in tier
NIM 4.2%
-1.9% YoY+1.5% QoQ
 +0.6% 3.6%
+6.9% YoY
 3.5%
+4.5% YoY
 3.7%
+5.0% YoY
 Top 18.4% in tier
Efficiency Ratio 53.4%
-2.6% YoY+4.3% QoQ
 -23.8% 77.3%
-3.0% YoY
 76.2%
-1.5% YoY
 79.1%
-3.3% YoY
 Bottom 3.4% in tier
Delinquency Rate 0.4%
-56.8% YoY+6.9% QoQ
 -0.4 0.9%
+7.6% YoY
 1.3%
-8.2% YoY
 1.2%
-0.9% YoY
 31st in tier
Loan To Share 82.1%
-8.7% YoY+2.4% QoQ
 +9.4% 72.7%
-1.5% YoY
 55.4%
-2.3% YoY
 68.0%
-1.7% YoY
 68th in tier
AMR $27,102
-9.4% YoY+1.5% QoQ
 +$3K $24,363
+2.9% YoY
 $16,339
+4.2% YoY
 $19,418
+1.3% YoY
 74th in tier
CD Concentration 23.5%
-17.5% YoY+4.6% QoQ
 -0.9% 24.4%
+4.2% YoY
 15.5%
+9.2% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 2.3%
-29.7% YoY-8.9% QoQ
 -11.7% 14.0%
-5.8% YoY
 8.0%
+2.0% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Emerging Performer

growth
#1 of 627 • Top 0.0% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 2.30%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): 26.95%
(Tier: 0.88%, National: 9.37%)
better than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank improving

Organic Growth Engine

growth
#1 of 603 • Top 0.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 26.95%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 2.30%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 2.26%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Organic Growth Leader

growth
#8 of 430 • Top 0.5% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 26.95%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 1077 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank improving

Concerns (2)

Shrinking Wallet Share

decline
#26 of 244 • Bottom 2.5% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -9.38%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 1077 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY | Rank improving

Liquidity Overhang

risk
#222 of 552 • Bottom 14.3% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 16.60%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 82.11%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank improving

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 1077 peers in tier

Top Strengths (10 metrics)

17
Return on Assets (ROA)
profitability
Value: 2.30%
Peer Avg: 0.79%
#17 of 1077 Top 1.5% in 100M-500M tier
18
Member Growth Rate
growth
Value: 26.95%
Peer Avg: 0.72%
#18 of 1077 Top 1.6% in 100M-500M tier
27
Asset Growth Rate
growth
Value: 20.27%
Peer Avg: 4.70%
#27 of 1077 Top 2.4% in 100M-500M tier
29
Deposit Growth Rate
growth
Value: 19.99%
Peer Avg: 4.69%
#29 of 1077 Top 2.6% in 100M-500M tier
38
Efficiency Ratio
profitability
Value: 53.44%
Peer Avg: 77.28%
#38 of 1077 Top 3.4% in 100M-500M tier
95
Net Worth Ratio
risk
Value: 16.60%
Peer Avg: 12.15%
#95 of 1077 Top 8.7% in 100M-500M tier
98
Fee Income Per Member
profitability
Value: $273.67
Peer Avg: $174.31
#98 of 1077 Top 9.0% in 100M-500M tier
181
Loan Growth Rate
growth
Value: 9.54%
Peer Avg: 3.45%
#181 of 1077 Top 16.7% in 100M-500M tier
198
Net Interest Margin (NIM)
profitability
Value: 4.17%
Peer Avg: 3.58%
#198 of 1077 Top 18.3% in 100M-500M tier
243
Loan-to-Member Ratio (LMR)
engagement
Value: $12,220
Peer Avg: $10,245
#243 of 1077 Top 22.5% in 100M-500M tier

Top Weaknesses (4 metrics)

1056
AMR Growth Rate
growth
Value: -9.38%
Peer Avg: 3.64%
#1056 of 1077 Bottom 2.0% in 100M-500M tier
925
Total Members
engagement
Value: 7,720
Peer Avg: 15,628
#925 of 1077 Bottom 14.2% in 100M-500M tier
846
Total Deposits
balance_sheet
Value: $114.89M
Peer Avg: $200.29M
#846 of 1077 Bottom 21.5% in 100M-500M tier
809
Total Assets
balance_sheet
Value: $137.90M
Peer Avg: $231.30M
#809 of 1077 Bottom 25.0% in 100M-500M tier