MT PLEASANT AREA SCHOOL EMP
Charter #17136 | PA
<100M
(2596 CUs)
Micro
($0-$500M)
198 <100M in PA
MT PLEASANT AREA SCHOOL EMP has 6 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.33% 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
- + Efficiency Ratio: Top 0.8% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Member decline: -8.4% YoY
- - Total Members: Bottom 2.7% in tier
- - Total Loans: Bottom 7.5% in tier
- - Member Growth Rate: Bottom 7.9% in tier
- - Loan-to-Share Ratio: Bottom 8.1% in tier
- - Members Per Employee (MPE): Bottom 9.2% in tier
- - Loan Growth Rate: Bottom 9.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
142
-8.4% YoY-4.7% QoQ
|
-2.5K |
2,625
-2.2% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
Bottom 2.7% in tier |
| Assets |
$2.3M
-1.3% YoY+0.3% QoQ
|
$-27.6M |
$29.9M
+1.1% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 10.9% in tier |
| Loans |
$478,402
-16.5% YoY-9.0% QoQ
|
$-15.3M |
$15.8M
-2.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
Bottom 7.4% in tier |
| Deposits |
$1.7M
-4.3% YoY-0.3% QoQ
|
$-23.7M |
$25.5M
+0.4% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
Bottom 10.9% in tier |
| ROA |
2.0%
+19.1% YoY+7.3% QoQ
|
+1.3% |
0.7%
-731.4% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
Top 8.9% in tier |
| NIM |
2.7%
+15.9% YoY+3.8% QoQ
|
-1.3% |
3.9%
+3.8% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
Bottom 10.1% in tier |
| Efficiency Ratio |
25.8%
-8.5% YoY-7.4% QoQ
|
-55.6% |
81.4%
-2.4% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
Bottom 0.8% in tier |
| Delinquency Rate | 0.0% | -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 |
27.5%
-12.7% YoY-8.7% QoQ
|
-33.7% |
61.2%
-3.0% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 7.9% in tier |
| AMR |
$15,606
+1.2% YoY+2.5% QoQ
|
+$980 |
$14,627
-2.7% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
60th in tier |
| CD Concentration |
21.9%
-8.3% YoY+0.9% QoQ
|
-2.5% |
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 (7 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
22
Efficiency Ratio
profitability
Value:
25.76%
Peer Avg: 81.39%
#22 of 2596
Top 0.8% in <100M tier
230
Return on Assets (ROA)
profitability
Value:
2.01%
Peer Avg: 0.68%
#230 of 2596
Top 8.8% 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
322
Net Worth Ratio
risk
Value:
23.99%
Peer Avg: 16.43%
#322 of 2596
Top 12.4% in <100M tier
Top Weaknesses (11 metrics)
2527
Total Members
engagement
Value:
142
Peer Avg: 2,626
#2527 of 2596
Bottom 2.7% in <100M tier
2403
Total Loans
balance_sheet
Value:
$478,402
Peer Avg: $15.77M
#2403 of 2596
Bottom 7.5% in <100M tier
2392
Member Growth Rate
growth
Value:
-8.39%
Peer Avg: 14.92%
#2392 of 2596
Bottom 7.9% in <100M tier
2387
Loan-to-Share Ratio
balance_sheet
Value:
27.53%
Peer Avg: 61.23%
#2387 of 2596
Bottom 8.1% in <100M tier
2358
Members Per Employee (MPE)
engagement
Value:
142.000
Peer Avg: 365.701
#2358 of 2596
Bottom 9.2% in <100M tier
2353
Loan Growth Rate
growth
Value:
-16.50%
Peer Avg: 59.01%
#2353 of 2596
Bottom 9.4% in <100M tier
2335
Net Interest Margin (NIM)
profitability
Value:
2.66%
Peer Avg: 3.93%
#2335 of 2596
Bottom 10.1% in <100M tier
2312
Total Assets
balance_sheet
Value:
$2.29M
Peer Avg: $29.86M
#2312 of 2596
Bottom 11.0% in <100M tier
2312
Total Deposits
balance_sheet
Value:
$1.74M
Peer Avg: $25.45M
#2312 of 2596
Bottom 11.0% in <100M tier
2139
Fee Income Per Member
profitability
Value:
$8.28
Peer Avg: $182.96
#2139 of 2596
Bottom 17.6% in <100M tier