MON VALLEY COMMUNITY
Charter #1911 | PA
100M-500M
(1077 CUs)
Micro
($0-$500M)
61 100M-500M in PA
MON VALLEY COMMUNITY has 9 strengths but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 7.9% in tier
- + Emerging Performer: Top 8.5% in tier
- + Relationship Depth Leader: Top 21.8% in tier
- + ROA 1.86% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 0.1% in tier
- + Net Worth Ratio: Top 0.2% in tier
- + Members Per Employee (MPE): Top 0.8% in tier
- + Net Charge-Off Rate: Top 9.8% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 0.2% in tier
- - Margin Compression: Bottom 2.2% in tier
- - Growth-at-Risk: Bottom 5.3% in tier
- - Stagnation Risk: Bottom 11.1% in tier
- - Credit Quality Pressure: Bottom 11.5% in tier
- - Membership Headwinds: Bottom 26.5% in tier
- - Delinquency rate 1.57% above tier average
- - Fee Income Per Member: Bottom 1.6% in tier
- - First Mortgage Concentration (%): Bottom 3.1% in tier
- - Total Delinquency Rate (60+ days): Bottom 4.2% in tier
- - Loan-to-Share Ratio: Bottom 4.2% in tier
- - Total Loans: Bottom 5.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,977
-1.2% YoY-0.4% QoQ
|
-6.7K |
15,628
-3.4% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
Bottom 22.5% in tier |
| Assets |
$187.1M
+7.0% YoY+1.1% QoQ
|
$-44.2M |
$231.3M
-0.0% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
47th in tier |
| Loans |
$50.7M
+9.9% YoY+4.8% QoQ
|
$-97.1M |
$147.8M
-1.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
Bottom 5.5% in tier |
| Deposits |
$130.5M
+5.2% YoY+0.0% QoQ
|
$-69.8M |
$200.3M
-0.0% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
31st in tier |
| ROA |
2.6%
-13.7% YoY-0.7% QoQ
|
+1.9% |
0.8%
+15.5% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
Top 0.7% in tier |
| NIM |
3.5%
-11.8% YoY-1.0% QoQ
|
-0.0% |
3.6%
+6.9% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
47th in tier |
| Efficiency Ratio |
28.2%
+11.7% YoY+1.4% QoQ
|
-49.1% |
77.3%
-3.0% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
Bottom 0.1% in tier |
| Delinquency Rate |
2.4%
+12.4% YoY-4.1% QoQ
|
+1.6 |
0.9%
+7.6% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
Top 4.2% in tier |
| Loan To Share |
38.9%
+4.4% YoY+4.8% QoQ
|
-33.8% |
72.7%
-1.5% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 4.1% in tier |
| AMR |
$20,189
+7.8% YoY+1.8% QoQ
|
$-4K |
$24,363
+2.9% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
36th in tier |
| CD Concentration |
22.1%
+22.3% YoY+4.2% QoQ
|
-2.3% |
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 (3)
Wallet Share Momentum
growth
#218 of 1006 • Top 7.9% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
7.83%
(Tier:
3.68%, National:
4.19%)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
New qualifier
Emerging Performer
growth
#161 of 627 • Top 8.5% in tier
Profitable credit union with positive returns. May represent growth potential worth exploring.
Why This Signature
Return on Assets:
2.65%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
-1.23%
(Tier:
0.88%, National:
9.37%)
627 of 1077 Community CUs have this signature
| 852 nationally
↑ Growing
+13 CUs YoY
|
Rank worsening
Relationship Depth Leader
growth
#603 of 1006 • Top 21.8% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
7.83%
(Tier:
3.68%, National:
4.19%)
Share Draft per Member:
$1.7K
(Tier: $2.8K, National: $2.0K)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
New qualifier
Concerns (6)
Liquidity Overhang
risk
#4 of 552 • Bottom 0.2% 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:
32.06%
(Tier:
11.95%, National:
14.51%)
Loan-to-Share Ratio:
38.85%
(Tier:
74.56%, National:
67.96%)
552 of 1077 Community CUs have this signature
| 691 nationally
↑ Growing
+65 CUs YoY
Margin Compression
decline
#10 of 136 • Bottom 2.2% in tier
Strong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.
Why This Signature
Return on Assets:
2.65%
(Tier:
0.77%, National:
0.71%)
ROA Change (YoY):
-0.42% points
(Tier:
0.11% points, National:
0.05% points)
Total Assets:
$187.06M
(Tier: $231.30M, National: $547.69M)
136 of 1077 Community CUs have this signature
| 169 nationally
↓ Shrinking
-43 CUs YoY
|
New qualifier
Growth-at-Risk
risk
#80 of 446 • Bottom 5.3% in tier
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Why This Signature
Loan Growth (YoY):
9.90%
(Tier:
3.64%, National:
36.38%)
Delinquency Change (YoY):
0.27% points
(Tier:
0.04% points, National:
0.07% points)
446 of 1077 Community CUs have this signature
| 646 nationally
↓ Shrinking
-77 CUs YoY
|
New qualifier
Stagnation Risk
risk
#183 of 550 • Bottom 11.1% in tier
Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.
Why This Signature
Return on Assets:
2.65%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
-1.23%
(Tier:
0.88%, National:
9.37%)
Avg Member Relationship:
$20.2K
(Tier: $25.0K, National: $19.4K)
CD Concentration:
22.12%
(Tier:
24.41%, National:
19.60%)
550 of 1077 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
Rank worsening
Credit Quality Pressure
risk
#285 of 736 • Bottom 11.5% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
0.27% points
(Tier:
0.04% points, National:
0.07% points)
736 of 1077 Community CUs have this signature
| 1002 nationally
↓ Shrinking
-199 CUs YoY
|
New qualifier
Membership Headwinds
decline
#437 of 550 • Bottom 26.5% in tier
Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Why This Signature
Member Growth (YoY):
-1.23%
(Tier:
0.88%, National:
9.37%)
550 of 1077 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
Rank worsening
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
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 13.34%
#1 of 1077
Top 0.0% in 100M-500M tier
2
Efficiency Ratio
profitability
Value:
28.15%
Peer Avg: 77.28%
#2 of 1077
Top 0.1% in 100M-500M tier
3
Net Worth Ratio
risk
Value:
32.06%
Peer Avg: 12.15%
#3 of 1077
Top 0.2% in 100M-500M tier
8
Return on Assets (ROA)
profitability
Value:
2.65%
Peer Avg: 0.79%
#8 of 1077
Top 0.6% in 100M-500M tier
10
Members Per Employee (MPE)
engagement
Value:
690.538
Peer Avg: 332.881
#10 of 1077
Top 0.8% in 100M-500M tier
107
Net Charge-Off Rate
risk
Value:
0.06%
Peer Avg: 0.47%
#107 of 1077
Top 9.8% in 100M-500M tier
168
Loan Growth Rate
growth
Value:
9.90%
Peer Avg: 3.45%
#168 of 1077
Top 15.5% in 100M-500M tier
170
AMR Growth Rate
growth
Value:
7.83%
Peer Avg: 3.64%
#170 of 1077
Top 15.7% in 100M-500M tier
Top Weaknesses (7 metrics)
1061
Fee Income Per Member
profitability
Value:
$33.94
Peer Avg: $174.31
#1061 of 1077
Bottom 1.6% in 100M-500M tier
1045
First Mortgage Concentration (%)
balance_sheet
Value:
67.94%
Peer Avg: 30.43%
#1045 of 1077
Bottom 3.1% in 100M-500M tier
1033
Total Delinquency Rate (60+ days)
risk
Value:
2.43%
Peer Avg: 0.86%
#1033 of 1077
Bottom 4.2% in 100M-500M tier
1033
Loan-to-Share Ratio
balance_sheet
Value:
38.85%
Peer Avg: 72.70%
#1033 of 1077
Bottom 4.2% in 100M-500M tier
1018
Total Loans
balance_sheet
Value:
$50.71M
Peer Avg: $147.80M
#1018 of 1077
Bottom 5.6% in 100M-500M tier
967
Loan-to-Member Ratio (LMR)
engagement
Value:
$5,649
Peer Avg: $10,245
#967 of 1077
Bottom 10.3% in 100M-500M tier
835
Total Members
engagement
Value:
8,977
Peer Avg: 15,628
#835 of 1077
Bottom 22.6% in 100M-500M tier