PATRIOT

Charter #16574 | PA

1B-3B (304 CUs) Mid-Market (380 CUs)
8 1B-3B in PA

PATRIOT has 6 strengths but faces 2 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 9.8% in tier
  • + Wallet Share Momentum: Top 10.7% in tier
  • + Relationship Depth Leader: Top 18.1% in tier
  • + Organic Growth Engine: Top 24.9% in tier
  • + ROA 0.23% above tier average
  • + First Mortgage Concentration (%): Top 7.2% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 0.7% in tier
  • - Indirect Auto Concentration (%): Bottom 2.6% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Members 80,838
+2.1% YoY+0.7% QoQ
 -17.8K 98,678
-1.9% YoY
 17,552
+5.9% YoY
 33,089
+6.1% YoY
 41st in tier
Assets $1.3B
+8.4% YoY+2.7% QoQ
 $-467.7M $1.7B
+0.5% YoY
 $283.8M
+10.6% YoY
 $547.7M
+7.8% YoY
 27th in tier
Loans $947.5M
+7.7% YoY+2.6% QoQ
 $-285.5M $1.2B
+0.5% YoY
 $193.1M
+8.6% YoY
 $388.7M
+8.6% YoY
 33rd in tier
Deposits $1.1B
+10.0% YoY+2.6% QoQ
 $-340.9M $1.5B
+1.3% YoY
 $243.3M
+10.9% YoY
 $464.6M
+9.3% YoY
 33rd in tier
ROA 0.9%
-7.0% YoY+25.8% QoQ
 +0.2% 0.7%
+13.4% YoY
 0.8%
+22.9% YoY
 0.7%
+273.4% YoY
 71st in tier
NIM 3.3%
+5.6% YoY-0.1% QoQ
 -0.0% 3.3%
+9.3% YoY
 3.5%
+4.5% YoY
 3.7%
+5.0% YoY
 49th in tier
Efficiency Ratio 69.3%
-3.3% YoY-3.9% QoQ
 -4.6% 74.0%
-10.9% YoY
 76.2%
-1.5% YoY
 79.1%
-3.3% YoY
 30th in tier
Delinquency Rate 0.3%
-7.5% YoY-15.1% QoQ
 -0.5 0.8%
+6.1% YoY
 1.3%
-8.2% YoY
 1.2%
-0.9% YoY
 Bottom 11.2% in tier
Loan To Share 85.1%
-2.1% YoY+0.0% QoQ
 -0.1% 85.2%
-0.8% YoY
 55.4%
-2.3% YoY
 68.0%
-1.7% YoY
 42nd in tier
AMR $25,495
+6.6% YoY+1.9% QoQ
 $-4K $29,172
+2.8% YoY
 $16,339
+4.2% YoY
 $19,418
+1.3% YoY
 39th in tier
CD Concentration 38.9%
+7.4% YoY+8.2% QoQ
 +9.9% 29.0%
+0.8% YoY
 15.5%
+9.2% YoY
 19.6%
+6.2% YoY
 Top 14.2% in tier
Indirect Auto % 53.1%
+1.1% YoY+0.3% QoQ
 +34.4% 18.8%
-2.8% YoY
 8.0%
+2.0% YoY
 7.9%
-2.9% YoY
 Top 2.1% in tier

Signature Analysis

Strengths (4)

Emerging Performer

growth
#53 of 184 • Top 9.8% in tier

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

Why This Signature
Return on Assets: 0.93%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Member Growth (YoY): 2.13%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#78 of 264 • Top 10.7% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 6.63%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY

Relationship Depth Leader

growth
#132 of 264 • Top 18.1% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 6.63%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.5K
(Tier: $3.1K, National: $2.0K)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Organic Growth Engine

growth
#181 of 246 • Top 24.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.13%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
Return on Assets: 0.93%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 53.15%
(Tier: 18.80%, National: 7.90%)
but worse than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | New qualifier

Concerns (1)

Indirect Auto Dependency

risk
#5 of 202 • Bottom 0.7% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 8.40%
(Tier: 5.36%, National: 3.04%)
but better than tier avg
Indirect Auto %: 53.15%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 2.13%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 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 304 peers in tier

Top Strengths (5 metrics)

23
First Mortgage Concentration (%)
balance_sheet
Value: 15.50%
Peer Avg: 34.01%
#23 of 304 Top 7.2% in 1B-3B tier
35
Total Delinquency Rate (60+ days)
risk
Value: 0.28%
Peer Avg: 0.83%
#35 of 304 Top 11.2% in 1B-3B tier
44
Deposit Growth Rate
growth
Value: 9.97%
Peer Avg: 5.58%
#44 of 304 Top 14.1% in 1B-3B tier
63
Asset Growth Rate
growth
Value: 8.40%
Peer Avg: 4.83%
#63 of 304 Top 20.4% in 1B-3B tier
63
AMR Growth Rate
growth
Value: 6.63%
Peer Avg: 3.29%
#63 of 304 Top 20.4% in 1B-3B tier

Top Weaknesses (2 metrics)

297
Indirect Auto Concentration (%)
balance_sheet
Value: 53.15%
Peer Avg: 18.32%
#297 of 304 Bottom 2.6% in 1B-3B tier
269
Share Certificate Concentration (%)
balance_sheet
Value: 38.86%
Peer Avg: 28.53%
#269 of 304 Bottom 11.8% in 1B-3B tier