PRINCE GEORGE'S COMMUNITY

Charter #18271 | MD

100M-500M (1077 CUs) Micro
16 100M-500M in MD

PRINCE GEORGE'S COMMUNITY has 7 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 0.6% in tier
  • + Organic Growth Leader: Top 1.4% in tier
  • + ROA 0.30% above tier average
  • + Net Interest Margin 0.67% above tier average
  • + Strong member growth: 15.6% YoY
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Member Growth Rate: Top 2.5% in tier

Key Concerns

Areas that may need attention

  • - Shrinking Wallet Share: Bottom 2.0% in tier
  • - Credit Quality Pressure: Bottom 3.3% in tier
  • - Liquidity Overhang: Bottom 19.4% in tier
  • - Delinquency rate 0.28% above tier average
  • - AMR Growth Rate: Bottom 1.8% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
Members 19,730
+15.6% YoY-0.2% QoQ
 +4.1K 15,628
-3.4% YoY
 34,720
+7.7% YoY
 33,089
+6.1% YoY
 74th in tier
Assets $317.3M
+6.5% YoY+0.2% QoQ
 +$86.0M $231.3M
-0.0% YoY
 $624.1M
+9.4% YoY
 $547.7M
+7.8% YoY
 Top 24.0% in tier
Loans $196.2M
-1.7% YoY+0.8% QoQ
 +$48.4M $147.8M
-1.4% YoY
 $452.1M
+10.3% YoY
 $388.7M
+8.6% YoY
 75th in tier
Deposits $272.3M
+5.9% YoY-0.2% QoQ
 +$72.0M $200.3M
-0.0% YoY
 $528.8M
+10.3% YoY
 $464.6M
+9.3% YoY
 Top 24.0% in tier
ROA 1.1%
+4.7% YoY-11.8% QoQ
 +0.3% 0.8%
+15.5% YoY
 0.6%
+23.1% YoY
 0.7%
+273.4% YoY
 71st in tier
NIM 4.3%
+8.5% YoY-0.0% QoQ
 +0.7% 3.6%
+6.9% YoY
 3.5%
+4.2% YoY
 3.7%
+5.0% YoY
 Top 15.6% in tier
Efficiency Ratio 70.1%
-3.8% YoY+3.0% QoQ
 -7.1% 77.3%
-3.0% YoY
 78.6%
-6.6% YoY
 79.1%
-3.3% YoY
 26th in tier
Delinquency Rate 1.1%
+156.4% YoY+53.2% QoQ
 +0.3 0.9%
+7.6% YoY
 1.2%
+5.3% YoY
 1.2%
-0.9% YoY
 Top 24.2% in tier
Loan To Share 72.0%
-7.1% YoY+1.0% QoQ
 -0.7% 72.7%
-1.5% YoY
 65.0%
-0.2% YoY
 68.0%
-1.7% YoY
 45th in tier
AMR $23,748
-11.3% YoY+0.4% QoQ
 $-616 $24,363
+2.9% YoY
 $20,685
+4.6% YoY
 $19,418
+1.3% YoY
 58th in tier
CD Concentration 22.7%
+7.4% YoY+2.4% QoQ
 -1.7% 24.4%
+4.2% YoY
 20.4%
+10.6% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 7.4%
+4.0% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Organic Growth Engine

growth
#12 of 603 • Top 0.6% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 15.59%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 1.08%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 0.00%
(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 | New qualifier

Organic Growth Leader

growth
#19 of 430 • Top 1.4% in tier

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

Why This Signature
Member Growth (YoY): 15.59%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 1077 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | New qualifier

Concerns (3)

Shrinking Wallet Share

decline
#21 of 244 • Bottom 2.0% in tier

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

Why This Signature
AMR Growth (YoY): -11.27%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 1077 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY | New qualifier

Credit Quality Pressure

risk
#83 of 736 • Bottom 3.3% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.69% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank improving

Liquidity Overhang

risk
#301 of 552 • Bottom 19.4% 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: 13.48%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 72.05%
(Tier: 74.56%, National: 67.96%)
worse 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 (5 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
28
Member Growth Rate
growth
Value: 15.59%
Peer Avg: 0.72%
#28 of 1077 Top 2.5% in 100M-500M tier
168
Net Interest Margin (NIM)
profitability
Value: 4.25%
Peer Avg: 3.58%
#168 of 1077 Top 15.5% in 100M-500M tier
258
Total Deposits
balance_sheet
Value: $272.33M
Peer Avg: $200.29M
#258 of 1077 Top 23.9% in 100M-500M tier
259
Total Assets
balance_sheet
Value: $317.32M
Peer Avg: $231.30M
#259 of 1077 Top 24.0% in 100M-500M tier

Top Weaknesses (2 metrics)

1059
AMR Growth Rate
growth
Value: -11.27%
Peer Avg: 3.64%
#1059 of 1077 Bottom 1.8% in 100M-500M tier
817
Total Delinquency Rate (60+ days)
risk
Value: 1.14%
Peer Avg: 0.86%
#817 of 1077 Bottom 24.2% in 100M-500M tier