PAPER CONVERTERS LOCAL 286/1034
Charter #23556 | PA
<100M
(2596 CUs)
Micro
($0-$500M)
198 <100M in PA
PAPER CONVERTERS LOCAL 286/1034 has 6 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.26% 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
- + Members Per Employee (MPE): Top 0.6% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.01% below tier average
- - Efficiency ratio 6.80% above tier (higher cost structure)
- - Member decline: -2.6% YoY
- - Net Worth Ratio: Bottom 1.3% in tier
- - Average Member Relationship (AMR): Bottom 1.4% in tier
- - Loan-to-Member Ratio (LMR): Bottom 2.9% in tier
- - Total Assets: Bottom 9.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,159
-2.6% YoY-0.7% QoQ
|
-466 |
2,625
-2.2% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
54th in tier |
| Assets |
$1.9M
-0.2% YoY+1.0% QoQ
|
$-27.9M |
$29.9M
+1.1% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 9.4% in tier |
| Loans |
$820,309
-2.6% YoY+3.4% QoQ
|
$-14.9M |
$15.8M
-2.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
Bottom 10.2% in tier |
| Deposits |
$1.6M
-3.4% YoY+0.2% QoQ
|
$-23.9M |
$25.5M
+0.4% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
Bottom 10.2% in tier |
| ROA |
0.7%
-39.7% YoY-12.0% QoQ
|
-0.0% |
0.7%
-731.4% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
45th in tier |
| NIM |
6.2%
-9.5% YoY-2.7% QoQ
|
+2.3% |
3.9%
+3.8% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
Top 3.5% in tier |
| Efficiency Ratio |
88.2%
+11.4% YoY+2.3% QoQ
|
+6.8% |
81.4%
-2.4% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
73rd in tier |
| Delinquency Rate |
0.2%
-73.8% YoY+61.7% QoQ
|
-1.3 |
1.5%
-2.0% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
27th in tier |
| Loan To Share |
52.0%
+0.9% YoY+3.2% QoQ
|
-9.3% |
61.2%
-3.0% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
35th in tier |
| AMR |
$1,111
-0.6% YoY+1.9% QoQ
|
$-14K |
$14,627
-2.7% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
Bottom 1.4% 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 (6 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
17
Members Per Employee (MPE)
engagement
Value:
1079.500
Peer Avg: 365.701
#17 of 2596
Top 0.6% in <100M tier
90
Net Interest Margin (NIM)
profitability
Value:
6.20%
Peer Avg: 3.93%
#90 of 2596
Top 3.4% 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
Top Weaknesses (8 metrics)
2562
Net Worth Ratio
risk
Value:
6.78%
Peer Avg: 16.43%
#2562 of 2596
Bottom 1.3% in <100M tier
2560
Average Member Relationship (AMR)
engagement
Value:
$1,111
Peer Avg: $14,627
#2560 of 2596
Bottom 1.4% in <100M tier
2522
Loan-to-Member Ratio (LMR)
engagement
Value:
$379.95
Peer Avg: $5,488
#2522 of 2596
Bottom 2.9% in <100M tier
2353
Total Assets
balance_sheet
Value:
$1.91M
Peer Avg: $29.86M
#2353 of 2596
Bottom 9.4% in <100M tier
2332
Total Loans
balance_sheet
Value:
$820,309
Peer Avg: $15.77M
#2332 of 2596
Bottom 10.2% in <100M tier
2330
Total Deposits
balance_sheet
Value:
$1.58M
Peer Avg: $25.45M
#2330 of 2596
Bottom 10.3% in <100M tier
2216
Fee Income Per Member
profitability
Value:
$5.29
Peer Avg: $182.96
#2216 of 2596
Bottom 14.7% in <100M tier
1961
Deposit Growth Rate
growth
Value:
-3.43%
Peer Avg: 16.80%
#1961 of 2596
Bottom 24.5% in <100M tier