GREATER LATROBE SCHOOLS
Charter #18775 | PA
<100M
(2596 CUs)
Micro
($0-$500M)
198 <100M in PA
GREATER LATROBE SCHOOLS has 5 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.75% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 2.28% below tier average
- - Efficiency ratio 25.03% above tier (higher cost structure)
- - Fee Income Per Member: Bottom 7.7% in tier
- - Asset Growth Rate: Bottom 8.6% in tier
- - Total Members: Bottom 9.2% in tier
- - Total Assets: Bottom 10.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
339
-1.2% YoY0% QoQ
|
-2.3K |
2,625
-2.2% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
Bottom 9.1% in tier |
| Assets |
$2.0M
-7.4% YoY-9.4% QoQ
|
$-27.8M |
$29.9M
+1.1% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 9.9% in tier |
| Loans |
$1.1M
-9.2% YoY+1.9% QoQ
|
$-14.6M |
$15.8M
-2.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
Bottom 12.4% in tier |
| Deposits |
$1.7M
-7.0% YoY-10.9% QoQ
|
$-23.8M |
$25.5M
+0.4% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
Bottom 10.7% in tier |
| ROA |
-1.6%
-172.2% YoY-30.1% QoQ
|
-2.3% |
0.7%
-731.4% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
Bottom 3.9% in tier |
| NIM |
4.7%
-2.3% YoY+2.1% QoQ
|
+0.7% |
3.9%
+3.8% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
Top 21.3% in tier |
| Efficiency Ratio |
106.4%
+98.0% YoY-3.1% QoQ
|
+25.0% |
81.4%
-2.4% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
Top 7.6% in tier |
| Delinquency Rate |
0.1%
-97.0% YoY-1.8% QoQ
|
-1.4 |
1.5%
-2.0% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
Bottom 22.4% in tier |
| Loan To Share |
66.5%
-2.3% YoY+14.3% QoQ
|
+5.3% |
61.2%
-3.0% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
57th in tier |
| AMR |
$8,316
-6.8% YoY-6.2% QoQ
|
$-6K |
$14,627
-2.7% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
Bottom 20.8% 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 (6 metrics)
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
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
553
Net Interest Margin (NIM)
profitability
Value:
4.68%
Peer Avg: 3.93%
#553 of 2596
Top 21.3% in <100M tier
583
Total Delinquency Rate (60+ days)
risk
Value:
0.12%
Peer Avg: 1.51%
#583 of 2596
Top 22.4% in <100M tier
Top Weaknesses (12 metrics)
2494
Return on Assets (ROA)
profitability
Value:
-1.60%
Peer Avg: 0.68%
#2494 of 2596
Bottom 4.0% in <100M tier
2399
Efficiency Ratio
profitability
Value:
106.42%
Peer Avg: 81.39%
#2399 of 2596
Bottom 7.6% in <100M tier
2397
Fee Income Per Member
profitability
Value:
$1.03
Peer Avg: $182.96
#2397 of 2596
Bottom 7.7% in <100M tier
2373
Asset Growth Rate
growth
Value:
-7.43%
Peer Avg: 1.82%
#2373 of 2596
Bottom 8.6% in <100M tier
2359
Total Members
engagement
Value:
339
Peer Avg: 2,626
#2359 of 2596
Bottom 9.2% in <100M tier
2338
Total Assets
balance_sheet
Value:
$2.03M
Peer Avg: $29.86M
#2338 of 2596
Bottom 10.0% in <100M tier
2317
Total Deposits
balance_sheet
Value:
$1.69M
Peer Avg: $25.45M
#2317 of 2596
Bottom 10.8% in <100M tier
2283
Deposit Growth Rate
growth
Value:
-7.03%
Peer Avg: 16.80%
#2283 of 2596
Bottom 12.1% in <100M tier
2275
Total Loans
balance_sheet
Value:
$1.13M
Peer Avg: $15.77M
#2275 of 2596
Bottom 12.4% in <100M tier
2263
AMR Growth Rate
growth
Value:
-6.81%
Peer Avg: 4.67%
#2263 of 2596
Bottom 12.9% in <100M tier