ALLEGENT COMMUNITY

Charter #205 | PA

100M-500M (1077 CUs) Micro
61 100M-500M in PA

ALLEGENT COMMUNITY has 4 strengths but faces 11 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 19.0% in tier
  • + Strong member growth: 8.5% YoY
  • + Member Growth Rate: Top 4.5% in tier
  • + Net Worth Ratio: Top 7.0% in tier

Key Concerns

Areas that may need attention

  • - Shrinking Wallet Share: Bottom 4.9% in tier
  • - Credit Quality Pressure: Bottom 8.4% in tier
  • - Liquidity Overhang: Bottom 11.0% in tier
  • - Indirect Auto Dependency: Bottom 15.4% in tier
  • - Growth-at-Risk: Bottom 19.3% in tier
  • - Efficiency Drag: Bottom 28.9% in tier
  • - ROA 0.28% below tier average
  • - Efficiency ratio 4.68% above tier (higher cost structure)
  • - Delinquency rate 0.07% above tier average
  • - AMR Growth Rate: Bottom 3.7% in tier
  • - Indirect Auto Concentration (%): Bottom 6.2% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Members 22,850
+8.5% YoY-2.3% QoQ
 +7.2K 15,628
-3.4% YoY
 17,552
+5.9% YoY
 33,089
+6.1% YoY
 Top 17.3% in tier
Assets $281.8M
+3.3% YoY-3.2% QoQ
 +$50.5M $231.3M
-0.0% YoY
 $283.8M
+10.6% YoY
 $547.7M
+7.8% YoY
 71st in tier
Loans $183.1M
+1.6% YoY-1.7% QoQ
 +$35.3M $147.8M
-1.4% YoY
 $193.1M
+8.6% YoY
 $388.7M
+8.6% YoY
 71st in tier
Deposits $231.3M
+2.8% YoY-4.2% QoQ
 +$31.0M $200.3M
-0.0% YoY
 $243.3M
+10.9% YoY
 $464.6M
+9.3% YoY
 67th in tier
ROA 0.5%
+204.1% YoY+5.6% QoQ
 -0.3% 0.8%
+15.5% YoY
 0.8%
+22.9% YoY
 0.7%
+273.4% YoY
 33rd in tier
NIM 3.4%
+15.4% YoY+3.8% QoQ
 -0.2% 3.6%
+6.9% YoY
 3.5%
+4.5% YoY
 3.7%
+5.0% YoY
 38th in tier
Efficiency Ratio 82.0%
-12.0% YoY-2.1% QoQ
 +4.7% 77.3%
-3.0% YoY
 76.2%
-1.5% YoY
 79.1%
-3.3% YoY
 67th in tier
Delinquency Rate 0.9%
+65.4% YoY-13.5% QoQ
 +0.1 0.9%
+7.6% YoY
 1.3%
-8.2% YoY
 1.2%
-0.9% YoY
 67th in tier
Loan To Share 79.2%
-1.2% YoY+2.6% QoQ
 +6.5% 72.7%
-1.5% YoY
 55.4%
-2.3% YoY
 68.0%
-1.7% YoY
 61st in tier
AMR $18,134
-5.8% YoY-0.9% QoQ
 $-6K $24,363
+2.9% YoY
 $16,339
+4.2% YoY
 $19,418
+1.3% YoY
 Bottom 23.5% in tier
CD Concentration 32.7%
-4.5% YoY+1.0% QoQ
 +8.3% 24.4%
+4.2% YoY
 15.5%
+9.2% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 43.9%
-6.4% YoY-0.7% QoQ
 +30.0% 14.0%
-5.8% YoY
 8.0%
+2.0% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (1)

Organic Growth Engine

growth
#348 of 603 • Top 19.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 8.52%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.51%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 43.92%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Concerns (6)

Shrinking Wallet Share

decline
#50 of 244 • Bottom 4.9% in tier

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

Why This Signature
AMR Growth (YoY): -5.81%
(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
#209 of 736 • Bottom 8.4% in tier

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

Why This Signature
Delinquency Change (YoY): 0.37% 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 | New qualifier

Liquidity Overhang

risk
#171 of 552 • Bottom 11.0% 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: 17.11%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 79.18%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank worsening

Indirect Auto Dependency

risk
#248 of 525 • Bottom 15.4% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 3.28%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 43.92%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 8.52%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank worsening

Growth-at-Risk

risk
#290 of 446 • Bottom 19.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 1.55%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 0.37% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 1077 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | New qualifier

Efficiency Drag

risk
#511 of 521 • Bottom 28.9% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 81.96%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.34% points
(Tier: 0.11% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): 8.52%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 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)

Comparing against 1077 peers in tier

Top Strengths (4 metrics)

49
Member Growth Rate
growth
Value: 8.52%
Peer Avg: 0.72%
#49 of 1077 Top 4.5% in 100M-500M tier
76
Net Worth Ratio
risk
Value: 17.11%
Peer Avg: 12.15%
#76 of 1077 Top 7.0% in 100M-500M tier
151
Members Per Employee (MPE)
engagement
Value: 431.132
Peer Avg: 332.881
#151 of 1077 Top 13.9% in 100M-500M tier
186
Total Members
engagement
Value: 22,850
Peer Avg: 15,628
#186 of 1077 Top 17.2% in 100M-500M tier

Top Weaknesses (4 metrics)

1038
AMR Growth Rate
growth
Value: -5.81%
Peer Avg: 3.64%
#1038 of 1077 Bottom 3.7% in 100M-500M tier
1011
Indirect Auto Concentration (%)
balance_sheet
Value: 43.92%
Peer Avg: 13.34%
#1011 of 1077 Bottom 6.2% in 100M-500M tier
857
Share Certificate Concentration (%)
balance_sheet
Value: 32.67%
Peer Avg: 23.61%
#857 of 1077 Bottom 20.5% in 100M-500M tier
824
Average Member Relationship (AMR)
engagement
Value: $18,134
Peer Avg: $24,363
#824 of 1077 Bottom 23.6% in 100M-500M tier