MOUNT CARMEL BAPTIST
Charter #16525 | PA
<100M
(2596 CUs)
Micro
($0-$500M)
198 <100M in PA
MOUNT CARMEL BAPTIST has 10 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.30% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 2.0% in tier
- + AMR Growth Rate: Top 2.7% in tier
- + Efficiency Ratio: Top 3.7% in tier
- + Deposit Growth Rate: Top 6.5% in tier
- + Asset Growth Rate: Top 7.0% in tier
Key Concerns
Areas that may need attention
- - Member decline: -5.6% YoY
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Total Members: Bottom 1.5% in tier
- - Loan-to-Share Ratio: Bottom 1.7% in tier
- - Total Loans: Bottom 2.1% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.4% in tier
- - Total Assets: Bottom 4.4% in tier
- - Total Deposits: Bottom 4.6% in tier
- - Net Charge-Off Rate: Bottom 9.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
102
-5.6% YoY-1.0% QoQ
|
-2.5K |
2,625
-2.2% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
Bottom 1.3% in tier |
| Assets |
$746,064
+10.8% YoY+5.1% QoQ
|
$-29.1M |
$29.9M
+1.1% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 4.4% in tier |
| Loans |
$49,308
+23.9% YoY-2.0% QoQ
|
$-15.7M |
$15.8M
-2.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
Bottom 2.0% in tier |
| Deposits |
$567,466
+11.6% YoY+5.8% QoQ
|
$-24.9M |
$25.5M
+0.4% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
Bottom 4.6% in tier |
| ROA |
2.0%
+53.4% YoY+27.3% QoQ
|
+1.3% |
0.7%
-731.4% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
Top 9.3% in tier |
| NIM |
3.5%
+10.4% YoY+8.1% QoQ
|
-0.4% |
3.9%
+3.8% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
36th in tier |
| Efficiency Ratio |
44.7%
-26.7% YoY-15.3% QoQ
|
-36.7% |
81.4%
-2.4% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
Bottom 3.7% 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 |
8.7%
+11.0% YoY-7.4% QoQ
|
-52.5% |
61.2%
-3.0% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 1.5% in tier |
| AMR |
$6,047
+19.1% YoY+6.2% QoQ
|
$-9K |
$14,627
-2.7% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
Bottom 12.0% 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 (11 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
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#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
53
Loan Growth Rate
growth
Value:
23.89%
Peer Avg: 59.01%
#53 of 2596
Top 2.0% in <100M tier
71
AMR Growth Rate
growth
Value:
19.11%
Peer Avg: 4.67%
#71 of 2596
Top 2.7% in <100M tier
97
Efficiency Ratio
profitability
Value:
44.67%
Peer Avg: 81.39%
#97 of 2596
Top 3.7% in <100M tier
169
Deposit Growth Rate
growth
Value:
11.60%
Peer Avg: 16.80%
#169 of 2596
Top 6.5% in <100M tier
183
Asset Growth Rate
growth
Value:
10.79%
Peer Avg: 1.82%
#183 of 2596
Top 7.0% in <100M tier
241
Return on Assets (ROA)
profitability
Value:
1.98%
Peer Avg: 0.68%
#241 of 2596
Top 9.2% in <100M tier
Top Weaknesses (11 metrics)
2596
Members Per Employee (MPE)
engagement
Value:
-
Peer Avg: 365.701
#2596 of 2596
Bottom 0.0% in <100M tier
2559
Total Members
engagement
Value:
102
Peer Avg: 2,626
#2559 of 2596
Bottom 1.5% in <100M tier
2553
Loan-to-Share Ratio
balance_sheet
Value:
8.69%
Peer Avg: 61.23%
#2553 of 2596
Bottom 1.7% in <100M tier
2543
Total Loans
balance_sheet
Value:
$49,308
Peer Avg: $15.77M
#2543 of 2596
Bottom 2.1% in <100M tier
2509
Loan-to-Member Ratio (LMR)
engagement
Value:
$483.41
Peer Avg: $5,488
#2509 of 2596
Bottom 3.4% in <100M tier
2483
Total Assets
balance_sheet
Value:
$746,064
Peer Avg: $29.86M
#2483 of 2596
Bottom 4.4% in <100M tier
2477
Total Deposits
balance_sheet
Value:
$567,466
Peer Avg: $25.45M
#2477 of 2596
Bottom 4.6% in <100M tier
2360
Net Charge-Off Rate
risk
Value:
1.45%
Peer Avg: 0.57%
#2360 of 2596
Bottom 9.1% in <100M tier
2285
Average Member Relationship (AMR)
engagement
Value:
$6,047
Peer Avg: $14,627
#2285 of 2596
Bottom 12.0% in <100M tier
2277
Fee Income Per Member
profitability
Value:
$3.46
Peer Avg: $182.96
#2277 of 2596
Bottom 12.3% in <100M tier