STEAMFITTERS PHILA
Charter #18234 | PA
<100M
(2596 CUs)
Micro
($0-$500M)
198 <100M in PA
STEAMFITTERS PHILA has 9 strengths but faces 11 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.58% above tier average
- + Net Interest Margin 1.43% 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
- + Members Per Employee (MPE): Top 2.0% in tier
- + Loan-to-Share Ratio: Top 5.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.8% YoY
- - Asset Growth Rate: Bottom 1.5% in tier
- - Average Member Relationship (AMR): Bottom 2.0% in tier
- - AMR Growth Rate: Bottom 3.7% in tier
- - Fee Income Per Member: Bottom 4.0% in tier
- - Loan Growth Rate: Bottom 4.3% in tier
- - Total Assets: Bottom 4.8% in tier
- - Loan-to-Member Ratio (LMR): Bottom 5.1% in tier
- - Deposit Growth Rate: Bottom 5.2% in tier
- - Total Deposits: Bottom 5.3% in tier
- - Total Loans: 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 |
868
-3.8% YoY-0.1% QoQ
|
-1.8K |
2,625
-2.2% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
Bottom 25.0% in tier |
| Assets |
$805,131
-17.1% YoY-2.8% QoQ
|
$-29.1M |
$29.9M
+1.1% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 4.7% in tier |
| Loans |
$673,632
-23.9% YoY-7.6% QoQ
|
$-15.1M |
$15.8M
-2.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
Bottom 9.0% in tier |
| Deposits |
$685,384
-11.9% YoY-3.6% QoQ
|
$-24.8M |
$25.5M
+0.4% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
Bottom 5.3% in tier |
| ROA |
1.3%
-14.1% YoY+9.0% QoQ
|
+0.6% |
0.7%
-731.4% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
72nd in tier |
| NIM |
5.4%
+6.8% YoY+3.9% QoQ
|
+1.4% |
3.9%
+3.8% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
Top 9.0% in tier |
| Efficiency Ratio |
76.5%
+8.1% YoY-1.5% QoQ
|
-4.9% |
81.4%
-2.4% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
45th 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 |
98.3%
-13.7% YoY-4.1% QoQ
|
+37.1% |
61.2%
-3.0% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Top 5.2% in tier |
| AMR |
$1,566
-15.1% YoY-5.5% QoQ
|
$-13K |
$14,627
-2.7% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
Bottom 2.0% 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 (8 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
Members Per Employee (MPE)
engagement
Value:
868.000
Peer Avg: 365.701
#53 of 2596
Top 2.0% in <100M tier
130
Loan-to-Share Ratio
balance_sheet
Value:
98.29%
Peer Avg: 61.23%
#130 of 2596
Top 5.0% in <100M tier
234
Net Interest Margin (NIM)
profitability
Value:
5.36%
Peer Avg: 3.93%
#234 of 2596
Top 9.0% 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
Top Weaknesses (10 metrics)
2558
Asset Growth Rate
growth
Value:
-17.14%
Peer Avg: 1.82%
#2558 of 2596
Bottom 1.5% in <100M tier
2544
Average Member Relationship (AMR)
engagement
Value:
$1,566
Peer Avg: $14,627
#2544 of 2596
Bottom 2.0% in <100M tier
2502
AMR Growth Rate
growth
Value:
-15.11%
Peer Avg: 4.67%
#2502 of 2596
Bottom 3.7% in <100M tier
2494
Fee Income Per Member
profitability
Value:
$0.00
Peer Avg: $182.96
#2494 of 2596
Bottom 4.0% in <100M tier
2485
Loan Growth Rate
growth
Value:
-23.94%
Peer Avg: 59.01%
#2485 of 2596
Bottom 4.3% in <100M tier
2473
Total Assets
balance_sheet
Value:
$805,131
Peer Avg: $29.86M
#2473 of 2596
Bottom 4.8% in <100M tier
2465
Loan-to-Member Ratio (LMR)
engagement
Value:
$776.07
Peer Avg: $5,488
#2465 of 2596
Bottom 5.1% in <100M tier
2461
Deposit Growth Rate
growth
Value:
-11.89%
Peer Avg: 16.80%
#2461 of 2596
Bottom 5.2% in <100M tier
2459
Total Deposits
balance_sheet
Value:
$685,384
Peer Avg: $25.45M
#2459 of 2596
Bottom 5.3% in <100M tier
2362
Total Loans
balance_sheet
Value:
$673,632
Peer Avg: $15.77M
#2362 of 2596
Bottom 9.1% in <100M tier