CITADEL

Charter #2099 | PA

5B-7B (34 CUs) Large (64 CUs)
2 5B-7B in PA

CITADEL has 6 strengths but faces 3 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 17.1% in tier
  • + Emerging Performer: Top 20.7% in tier
  • + Relationship Depth Leader: Top 23.1% in tier
  • + Organic Growth Engine: Top 23.7% in tier
  • + Loan-to-Share Ratio: Top 0.0% in tier
  • + Total Loans: Top 0.0% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 1.2% in tier
  • - Indirect Auto Dependency: Bottom 16.2% in tier
  • - ROA 0.21% below tier average

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Members 275,891
+4.4% YoY+1.7% QoQ
 -13.8K 289,724
-2.8% YoY
 17,552
+5.9% YoY
 33,089
+6.1% YoY
 44th in tier
Assets $6.5B
+7.6% YoY+1.8% QoQ
 +$708.2M $5.8B
+0.2% YoY
 $283.8M
+10.6% YoY
 $547.7M
+7.8% YoY
 Top 14.7% in tier
Loans $5.8B
+9.4% YoY+3.2% QoQ
 +$1.7B $4.1B
-3.1% YoY
 $193.1M
+8.6% YoY
 $388.7M
+8.6% YoY
 Top 2.9% in tier
Deposits $5.4B
+8.6% YoY+0.3% QoQ
 +$499.0M $4.9B
+2.2% YoY
 $243.3M
+10.9% YoY
 $464.6M
+9.3% YoY
 Top 23.5% in tier
ROA 0.6%
-0.9% YoY+11.5% QoQ
 -0.2% 0.8%
+15.5% YoY
 0.8%
+22.9% YoY
 0.7%
+273.4% YoY
 26th in tier
NIM 2.5%
+9.5% YoY+1.6% QoQ
 -0.4% 2.9%
+3.9% YoY
 3.5%
+4.5% YoY
 3.7%
+5.0% YoY
 Bottom 23.5% in tier
Efficiency Ratio 67.5%
-1.3% YoY-2.7% QoQ
 -0.7% 68.1%
-1.7% YoY
 76.2%
-1.5% YoY
 79.1%
-3.3% YoY
 41st in tier
Delinquency Rate 0.3%
-18.1% YoY+1.3% QoQ
 -0.3 0.6%
-2.2% YoY
 1.3%
-8.2% YoY
 1.2%
-0.9% YoY
 Bottom 17.6% in tier
Loan To Share 107.0%
+0.7% YoY+2.9% QoQ
 +23.4% 83.6%
-5.7% YoY
 55.4%
-2.3% YoY
 68.0%
-1.7% YoY
 Top 2.9% in tier
AMR $40,428
+4.4% YoY+0.0% QoQ
 +$6K $34,398
+4.0% YoY
 $16,339
+4.2% YoY
 $19,418
+1.3% YoY
 Top 20.6% in tier
CD Concentration 33.0%
+0.4% YoY+1.8% QoQ
 +4.1% 28.9%
-1.3% YoY
 15.5%
+9.2% YoY
 19.6%
+6.2% YoY
 66th in tier
Indirect Auto % 24.7%
+7.9% YoY+0.8% QoQ
 +8.1% 16.6%
-10.3% YoY
 8.0%
+2.0% YoY
 7.9%
-2.9% YoY
 70th in tier

Signature Analysis

Strengths (4)

Wallet Share Momentum

growth
#21 of 46 • Top 17.1% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 4.38%
(Tier: 2.82%, National: 4.19%)
better than tier avg
46 of 64 Large CUs have this signature | 1330 nationally
↑ Growing +18 CUs YoY | Rank worsening

Emerging Performer

growth
#19 of 31 • Top 20.7% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.60%
(Tier: 0.91%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): 4.43%
(Tier: 3.07%, National: 9.37%)
better than tier avg
31 of 64 Large CUs have this signature | 852 nationally
→ Stable (27→31 CUs) +4 CUs YoY

Relationship Depth Leader

growth
#28 of 46 • Top 23.1% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 4.38%
(Tier: 2.82%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.6K
(Tier: $3.2K, National: $2.0K)
but worse than tier avg
46 of 64 Large CUs have this signature | 1330 nationally
↑ Growing +18 CUs YoY | Rank worsening

Organic Growth Engine

growth
#36 of 50 • Top 23.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 4.43%
(Tier: 3.07%, National: 9.37%)
better than tier avg
Return on Assets: 0.60%
(Tier: 0.91%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 24.67%
(Tier: 16.60%, National: 7.90%)
but worse than tier avg
50 of 64 Large CUs have this signature | 917 nationally
→ Stable (52→50 CUs) -2 CUs YoY | Rank improving

Concerns (2)

Liquidity Strain

risk
#2 of 32 • Bottom 1.2% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 107.04%
(Tier: 84.48%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 9.37%
(Tier: 4.99%, National: 36.38%)
but better than tier avg
32 of 64 Large CUs have this signature | 484 nationally
→ Stable (27→32 CUs) +5 CUs YoY

Indirect Auto Dependency

risk
#17 of 33 • Bottom 16.2% in tier

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

Why This Signature
Asset Growth (YoY): 7.55%
(Tier: 4.60%, National: 3.04%)
but better than tier avg
Indirect Auto %: 24.67%
(Tier: 16.60%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 4.43%
(Tier: 3.07%, National: 9.37%)
but better than tier avg
33 of 64 Large CUs have this signature | 768 nationally
→ Stable (34→33 CUs) -1 CUs YoY | Rank improving

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 34 peers in tier

Top Strengths (7 metrics)

1
Loan-to-Share Ratio
balance_sheet
Value: 107.04%
Peer Avg: 83.64%
#1 of 34 Top 0.0% in 5B-7B tier
1
Total Loans
balance_sheet
Value: $5.77B
Peer Avg: $4.08B
#1 of 34 Top 0.0% in 5B-7B tier
5
Loan-to-Member Ratio (LMR)
engagement
Value: $20,902
Peer Avg: $15,308
#5 of 34 Top 11.8% in 5B-7B tier
5
Total Assets
balance_sheet
Value: $6.50B
Peer Avg: $5.79B
#5 of 34 Top 11.8% in 5B-7B tier
7
Total Delinquency Rate (60+ days)
risk
Value: 0.31%
Peer Avg: 0.62%
#7 of 34 Top 17.6% in 5B-7B tier
7
Average Member Relationship (AMR)
engagement
Value: $40,428
Peer Avg: $34,398
#7 of 34 Top 17.6% in 5B-7B tier
8
Total Deposits
balance_sheet
Value: $5.39B
Peer Avg: $4.89B
#8 of 34 Top 20.6% in 5B-7B tier

Top Weaknesses (0 metrics)

No weakness rankings available