ASBESTOS WORKERS LOCAL 14
Charter #18446 | PA
<100M
(2596 CUs)
Micro
($0-$500M)
198 <100M in PA
ASBESTOS WORKERS LOCAL 14 has 8 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.82% 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
- + Efficiency Ratio: Top 1.5% in tier
- + Net Charge-Off Rate: Top 5.6% in tier
- + Loan Growth Rate: Top 5.7% in tier
Key Concerns
Areas that may need attention
- - Member decline: -8.4% YoY
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Fee Income Per Member: Bottom 3.9% in tier
- - Loan-to-Share Ratio: Bottom 5.5% in tier
- - Member Growth Rate: Bottom 7.8% in tier
- - Loan-to-Member Ratio (LMR): Bottom 9.1% in tier
- - Total Loans: Bottom 9.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
491
-8.4% YoY-0.2% QoQ
|
-2.1K |
2,625
-2.2% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
Bottom 13.6% in tier |
| Assets |
$4.0M
-4.4% YoY-2.2% QoQ
|
$-25.8M |
$29.9M
+1.1% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 16.4% in tier |
| Loans |
$751,871
+15.4% YoY+17.3% QoQ
|
$-15.0M |
$15.8M
-2.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
Bottom 9.6% in tier |
| Deposits |
$3.4M
-6.0% YoY-3.3% QoQ
|
$-22.1M |
$25.5M
+0.4% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
Bottom 17.3% in tier |
| ROA |
2.5%
+5.0% YoY+0.6% QoQ
|
+1.8% |
0.7%
-731.4% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
Top 3.6% in tier |
| NIM |
3.8%
+6.3% YoY+1.3% QoQ
|
-0.1% |
3.9%
+3.8% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
47th in tier |
| Efficiency Ratio |
34.6%
+2.4% YoY+1.4% QoQ
|
-46.8% |
81.4%
-2.4% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
Bottom 1.5% 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 |
22.3%
+22.7% YoY+21.3% QoQ
|
-39.0% |
61.2%
-3.0% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 5.4% in tier |
| AMR |
$8,403
+6.2% YoY+0.1% QoQ
|
$-6K |
$14,627
-2.7% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
Bottom 21.4% 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 (9 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
41
Efficiency Ratio
profitability
Value:
34.60%
Peer Avg: 81.39%
#41 of 2596
Top 1.5% in <100M tier
93
Return on Assets (ROA)
profitability
Value:
2.50%
Peer Avg: 0.68%
#93 of 2596
Top 3.5% in <100M tier
146
Net Charge-Off Rate
risk
Value:
-0.05%
Peer Avg: 0.57%
#146 of 2596
Top 5.6% in <100M tier
148
Loan Growth Rate
growth
Value:
15.36%
Peer Avg: 59.01%
#148 of 2596
Top 5.7% in <100M tier
531
AMR Growth Rate
growth
Value:
6.22%
Peer Avg: 4.67%
#531 of 2596
Top 20.4% in <100M tier
Top Weaknesses (12 metrics)
2596
Members Per Employee (MPE)
engagement
Value:
-
Peer Avg: 365.701
#2596 of 2596
Bottom 0.0% in <100M tier
2495
Fee Income Per Member
profitability
Value:
$0.00
Peer Avg: $182.96
#2495 of 2596
Bottom 3.9% in <100M tier
2453
Loan-to-Share Ratio
balance_sheet
Value:
22.28%
Peer Avg: 61.23%
#2453 of 2596
Bottom 5.5% in <100M tier
2394
Member Growth Rate
growth
Value:
-8.40%
Peer Avg: 14.92%
#2394 of 2596
Bottom 7.8% in <100M tier
2362
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,531
Peer Avg: $5,488
#2362 of 2596
Bottom 9.1% in <100M tier
2346
Total Loans
balance_sheet
Value:
$751,871
Peer Avg: $15.77M
#2346 of 2596
Bottom 9.7% in <100M tier
2244
Total Members
engagement
Value:
491
Peer Avg: 2,626
#2244 of 2596
Bottom 13.6% in <100M tier
2219
Deposit Growth Rate
growth
Value:
-5.98%
Peer Avg: 16.80%
#2219 of 2596
Bottom 14.6% in <100M tier
2181
Asset Growth Rate
growth
Value:
-4.41%
Peer Avg: 1.82%
#2181 of 2596
Bottom 16.0% in <100M tier
2170
Total Assets
balance_sheet
Value:
$4.01M
Peer Avg: $29.86M
#2170 of 2596
Bottom 16.4% in <100M tier