HILL DISTRICT
Charter #20354 | PA
<100M
(2596 CUs)
Micro
($0-$500M)
198 <100M in PA
HILL DISTRICT has 5 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 4.0% in tier
- + Deposit Growth Rate: Top 5.2% in tier
- + AMR Growth Rate: Top 8.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.05% below tier average
- - Delinquency rate 23.78% above tier average
- - Total Delinquency Rate (60+ days): Bottom 1.0% in tier
- - Net Charge-Off Rate: Bottom 4.7% in tier
- - Loan-to-Member Ratio (LMR): Bottom 7.0% in tier
- - Average Member Relationship (AMR): Bottom 7.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,697
+0.8% YoY+0.4% QoQ
|
+1.1K |
2,625
-2.2% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
Top 24.4% in tier |
| Assets |
$16.6M
+8.4% YoY-0.7% QoQ
|
$-13.2M |
$29.9M
+1.1% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
44th in tier |
| Loans |
$4.5M
+8.1% YoY+4.4% QoQ
|
$-11.3M |
$15.8M
-2.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
32nd in tier |
| Deposits |
$11.8M
+12.8% YoY-0.9% QoQ
|
$-13.7M |
$25.5M
+0.4% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
40th in tier |
| ROA |
0.6%
-14.3% YoY-6.4% QoQ
|
-0.0% |
0.7%
-731.4% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
44th in tier |
| NIM |
2.9%
-27.0% YoY+4.8% QoQ
|
-1.0% |
3.9%
+3.8% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
Bottom 15.8% in tier |
| Efficiency Ratio |
66.3%
-15.2% YoY-19.5% QoQ
|
-15.1% |
81.4%
-2.4% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
Bottom 23.9% in tier |
| Delinquency Rate |
25.3%
+25.2% YoY-7.9% QoQ
|
+23.8 |
1.5%
-2.0% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
Top 1.0% in tier |
| Loan To Share |
37.9%
-4.2% YoY+5.4% QoQ
|
-23.3% |
61.2%
-3.0% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 16.9% in tier |
| AMR |
$4,402
+10.5% YoY+0.1% QoQ
|
$-10K |
$14,627
-2.7% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
Bottom 7.4% in tier |
| CD Concentration |
7.5%
+4.6% YoY+3.9% QoQ
|
-16.9% |
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 (11 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
105
Members Per Employee (MPE)
engagement
Value:
739.400
Peer Avg: 365.701
#105 of 2596
Top 4.0% in <100M tier
135
Deposit Growth Rate
growth
Value:
12.82%
Peer Avg: 16.80%
#135 of 2596
Top 5.2% in <100M tier
227
AMR Growth Rate
growth
Value:
10.54%
Peer Avg: 4.67%
#227 of 2596
Top 8.7% in <100M tier
279
Net Worth Ratio
risk
Value:
25.32%
Peer Avg: 16.43%
#279 of 2596
Top 10.7% in <100M tier
314
Asset Growth Rate
growth
Value:
8.37%
Peer Avg: 1.82%
#314 of 2596
Top 12.1% in <100M tier
357
Loan Growth Rate
growth
Value:
8.08%
Peer Avg: 59.01%
#357 of 2596
Top 13.7% in <100M tier
621
Efficiency Ratio
profitability
Value:
66.29%
Peer Avg: 81.39%
#621 of 2596
Top 23.9% in <100M tier
634
Total Members
engagement
Value:
3,697
Peer Avg: 2,626
#634 of 2596
Top 24.4% in <100M tier
Top Weaknesses (6 metrics)
2572
Total Delinquency Rate (60+ days)
risk
Value:
25.29%
Peer Avg: 1.51%
#2572 of 2596
Bottom 1.0% in <100M tier
2474
Net Charge-Off Rate
risk
Value:
2.33%
Peer Avg: 0.57%
#2474 of 2596
Bottom 4.7% in <100M tier
2414
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,210
Peer Avg: $5,488
#2414 of 2596
Bottom 7.0% in <100M tier
2403
Average Member Relationship (AMR)
engagement
Value:
$4,402
Peer Avg: $14,627
#2403 of 2596
Bottom 7.5% in <100M tier
2185
Net Interest Margin (NIM)
profitability
Value:
2.92%
Peer Avg: 3.93%
#2185 of 2596
Bottom 15.9% in <100M tier
2154
Loan-to-Share Ratio
balance_sheet
Value:
37.92%
Peer Avg: 61.23%
#2154 of 2596
Bottom 17.1% in <100M tier