B. BRAUN
Charter #23725 | PA
<100M
(2596 CUs)
Micro
($0-$500M)
198 <100M in PA
B. BRAUN has 8 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.27% above tier average
- + Net Interest Margin 0.26% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 1.1% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.5% in tier
- - Average Member Relationship (AMR): Bottom 3.6% in tier
- - Loan Growth Rate: Bottom 5.2% in tier
- - Total Loans: Bottom 6.7% in tier
- - Loan-to-Share Ratio: Bottom 7.1% in tier
- - Fee Income Per Member: Bottom 7.9% in tier
- - AMR Growth Rate: Bottom 8.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
862
-1.4% YoY+0.5% QoQ
|
-1.8K |
2,625
-2.2% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
Bottom 24.8% in tier |
| Assets |
$2.1M
-3.5% YoY+3.1% QoQ
|
$-27.7M |
$29.9M
+1.1% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 10.4% in tier |
| Loans |
$426,004
-21.2% YoY-7.0% QoQ
|
$-15.3M |
$15.8M
-2.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
Bottom 6.7% in tier |
| Deposits |
$1.7M
-7.3% YoY+2.7% QoQ
|
$-23.8M |
$25.5M
+0.4% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
Bottom 10.7% in tier |
| ROA |
3.0%
+51.6% YoY+12.6% QoQ
|
+2.3% |
0.7%
-731.4% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
Top 2.4% in tier |
| NIM |
4.2%
+28.9% YoY+11.6% QoQ
|
+0.3% |
3.9%
+3.8% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
62nd in tier |
| Efficiency Ratio |
30.5%
-14.9% YoY-3.2% QoQ
|
-50.9% |
81.4%
-2.4% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
Bottom 1.1% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
25.3%
-15.1% YoY-9.5% QoQ
|
-36.0% |
61.2%
-3.0% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 6.9% in tier |
| AMR |
$2,449
-9.2% YoY+0.1% QoQ
|
$-12K |
$14,627
-2.7% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
Bottom 3.6% 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 (8 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: 1.51%
#1 of 2596
Top 0.0% in <100M tier
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
30
Efficiency Ratio
profitability
Value:
30.51%
Peer Avg: 81.39%
#30 of 2596
Top 1.1% in <100M tier
62
Return on Assets (ROA)
profitability
Value:
2.95%
Peer Avg: 0.68%
#62 of 2596
Top 2.3% 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
489
Net Worth Ratio
risk
Value:
21.10%
Peer Avg: 16.43%
#489 of 2596
Top 18.8% in <100M tier
Top Weaknesses (13 metrics)
2596
Members Per Employee (MPE)
engagement
Value:
-
Peer Avg: 365.701
#2596 of 2596
Bottom 0.0% in <100M tier
2507
Loan-to-Member Ratio (LMR)
engagement
Value:
$494.20
Peer Avg: $5,488
#2507 of 2596
Bottom 3.5% in <100M tier
2503
Average Member Relationship (AMR)
engagement
Value:
$2,449
Peer Avg: $14,627
#2503 of 2596
Bottom 3.6% in <100M tier
2461
Loan Growth Rate
growth
Value:
-21.25%
Peer Avg: 59.01%
#2461 of 2596
Bottom 5.2% in <100M tier
2423
Total Loans
balance_sheet
Value:
$426,004
Peer Avg: $15.77M
#2423 of 2596
Bottom 6.7% in <100M tier
2413
Loan-to-Share Ratio
balance_sheet
Value:
25.28%
Peer Avg: 61.23%
#2413 of 2596
Bottom 7.1% in <100M tier
2391
Fee Income Per Member
profitability
Value:
$1.23
Peer Avg: $182.96
#2391 of 2596
Bottom 7.9% in <100M tier
2374
AMR Growth Rate
growth
Value:
-9.22%
Peer Avg: 4.67%
#2374 of 2596
Bottom 8.6% in <100M tier
2325
Total Assets
balance_sheet
Value:
$2.14M
Peer Avg: $29.86M
#2325 of 2596
Bottom 10.5% in <100M tier
2318
Total Deposits
balance_sheet
Value:
$1.68M
Peer Avg: $25.45M
#2318 of 2596
Bottom 10.7% in <100M tier