PAR-DEL EMP.
Charter #22723 | PA
<100M
(2596 CUs)
Micro
($0-$500M)
198 <100M in PA
PAR-DEL EMP. has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.19% 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
- - Member decline: -2.9% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
677
-2.9% YoY-0.4% QoQ
|
-1.9K |
2,625
-2.2% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
Bottom 18.8% in tier |
| Assets |
$7.2M
-3.2% YoY-2.7% QoQ
|
$-22.6M |
$29.9M
+1.1% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
26th in tier |
| Loans |
$3.4M
+3.8% YoY-4.5% QoQ
|
$-12.4M |
$15.8M
-2.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
26th in tier |
| Deposits |
$6.1M
-4.7% YoY-3.5% QoQ
|
$-19.4M |
$25.5M
+0.4% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
26th in tier |
| ROA |
0.9%
-4553.1% YoY+1080.5% QoQ
|
+0.2% |
0.7%
-731.4% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
55th in tier |
| NIM |
3.4%
+41.4% YoY+34.1% QoQ
|
-0.5% |
3.9%
+3.8% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
32nd in tier |
| Efficiency Ratio |
74.9%
-25.7% YoY-22.9% QoQ
|
-6.5% |
81.4%
-2.4% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
42nd in tier |
| Delinquency Rate |
0.6%
-31.5% YoY+1.6% QoQ
|
-0.9 |
1.5%
-2.0% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
48th in tier |
| Loan To Share |
56.4%
+9.0% YoY-1.0% QoQ
|
-4.9% |
61.2%
-3.0% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
42nd in tier |
| AMR |
$13,980
+1.1% YoY-3.5% QoQ
|
$-647 |
$14,627
-2.7% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
52nd 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 (5 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
623
Loan Growth Rate
growth
Value:
3.84%
Peer Avg: 59.01%
#623 of 2596
Top 24.0% in <100M tier
Top Weaknesses (5 metrics)
2255
Fee Income Per Member
profitability
Value:
$4.12
Peer Avg: $182.96
#2255 of 2596
Bottom 13.2% in <100M tier
2120
Deposit Growth Rate
growth
Value:
-4.69%
Peer Avg: 16.80%
#2120 of 2596
Bottom 18.4% in <100M tier
2107
Total Members
engagement
Value:
677
Peer Avg: 2,626
#2107 of 2596
Bottom 18.9% in <100M tier
2070
Members Per Employee (MPE)
engagement
Value:
225.667
Peer Avg: 365.701
#2070 of 2596
Bottom 20.3% in <100M tier
2055
Asset Growth Rate
growth
Value:
-3.20%
Peer Avg: 1.82%
#2055 of 2596
Bottom 20.9% in <100M tier