GREATER PITTSBURGH POLICE

Charter #240 | PA

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

GREATER PITTSBURGH POLICE has 12 strengths but faces 14 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 0.5% in tier
  • + Organic Growth Engine: Top 2.6% in tier
  • + ROA 0.61% above tier average
  • + Net Interest Margin 0.76% above tier average
  • + Strong member growth: 66.4% YoY
  • + Member Growth Rate: Top 0.4% in tier
  • + Deposit Growth Rate: Top 1.0% in tier
  • + Asset Growth Rate: Top 1.1% in tier
  • + First Mortgage Concentration (%): Top 1.5% in tier
  • + Loan Growth Rate: Top 1.8% in tier
  • + Members Per Employee (MPE): Top 1.8% in tier
  • + Net Worth Ratio: Top 4.4% in tier

Key Concerns

Areas that may need attention

  • - Shrinking Wallet Share: Bottom 0.5% in tier
  • - Growth-at-Risk: Bottom 0.8% in tier
  • - Cost Spiral: Bottom 2.1% in tier
  • - Liquidity Overhang: Bottom 3.1% in tier
  • - Indirect Auto Dependency: Bottom 3.4% in tier
  • - Margin Compression: Bottom 5.5% in tier
  • - Credit Quality Pressure: Bottom 6.3% in tier
  • - AMR Growth Rate: Bottom 0.7% in tier
  • - Total Deposits: Bottom 1.0% in tier
  • - Fee Income Per Member: Bottom 2.0% in tier
  • - Total Assets: Bottom 4.1% in tier
  • - Total Loans: Bottom 5.8% in tier
  • - Average Member Relationship (AMR): Bottom 8.4% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 9.0% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Members 9,485
+66.4% YoY-0.8% QoQ
 -6.1K 15,628
-3.4% YoY
 17,552
+5.9% YoY
 33,089
+6.1% YoY
 26th in tier
Assets $106.1M
+30.3% YoY+0.5% QoQ
 $-125.2M $231.3M
-0.0% YoY
 $283.8M
+10.6% YoY
 $547.7M
+7.8% YoY
 Bottom 4.0% in tier
Loans $52.2M
+31.7% YoY-0.2% QoQ
 $-95.6M $147.8M
-1.4% YoY
 $193.1M
+8.6% YoY
 $388.7M
+8.6% YoY
 Bottom 5.7% in tier
Deposits $85.7M
+33.6% YoY+0.1% QoQ
 $-114.6M $200.3M
-0.0% YoY
 $243.3M
+10.9% YoY
 $464.6M
+9.3% YoY
 Bottom 0.9% in tier
ROA 1.4%
-37.8% YoY+3.6% QoQ
 +0.6% 0.8%
+15.5% YoY
 0.8%
+22.9% YoY
 0.7%
+273.4% YoY
 Top 14.8% in tier
NIM 4.3%
+1.5% YoY+0.4% QoQ
 +0.8% 3.6%
+6.9% YoY
 3.5%
+4.5% YoY
 3.7%
+5.0% YoY
 Top 12.7% in tier
Efficiency Ratio 68.6%
+27.9% YoY-0.6% QoQ
 -8.7% 77.3%
-3.0% YoY
 76.2%
-1.5% YoY
 79.1%
-3.3% YoY
 Bottom 22.6% in tier
Delinquency Rate 0.8%
+139.8% YoY+62.2% QoQ
 -0.1 0.9%
+7.6% YoY
 1.3%
-8.2% YoY
 1.2%
-0.9% YoY
 60th in tier
Loan To Share 61.0%
-1.5% YoY-0.3% QoQ
 -11.7% 72.7%
-1.5% YoY
 55.4%
-2.3% YoY
 68.0%
-1.7% YoY
 Bottom 23.3% in tier
AMR $14,537
-20.1% YoY+0.9% QoQ
 $-10K $24,363
+2.9% YoY
 $16,339
+4.2% YoY
 $19,418
+1.3% YoY
 Bottom 8.4% in tier
CD Concentration 17.0%
+9.0% YoY+13.7% QoQ
 -7.4% 24.4%
+4.2% YoY
 15.5%
+9.2% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 36.7%
-2.5% YoY-15.8% QoQ
 +22.7% 14.0%
-5.8% YoY
 8.0%
+2.0% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Emerging Performer

growth
#10 of 627 • Top 0.5% in tier

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

Why This Signature
Return on Assets: 1.39%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): 66.37%
(Tier: 0.88%, National: 9.37%)
better than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | New qualifier

Organic Growth Engine

growth
#48 of 603 • Top 2.6% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 66.37%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 1.39%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 36.68%
(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 | New qualifier

Concerns (7)

Shrinking Wallet Share

decline
#6 of 244 • Bottom 0.5% in tier

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

Why This Signature
AMR Growth (YoY): -20.12%
(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

Growth-at-Risk

risk
#13 of 446 • Bottom 0.8% in tier

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

Why This Signature
Loan Growth (YoY): 31.71%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.46% 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

Cost Spiral

risk
#6 of 62 • Bottom 2.1% in tier

Historically lean operator now seeing efficiency ratio rise significantly. Efficiency advantage eroding - early intervention critical.

Why This Signature
Efficiency Ratio Change: 14.93% points
(Tier: -2.84% points, National: -1.81% points)
worse than tier avg
Efficiency Ratio (Prior Year): -
(Tier: -, National: -)
Total Assets: $106.06M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
62 of 1077 Community CUs have this signature | 80 nationally
↓ Shrinking -38 CUs YoY | New qualifier

Liquidity Overhang

risk
#49 of 552 • Bottom 3.1% 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: 18.74%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 60.97%
(Tier: 74.56%, National: 67.96%)
worse than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#55 of 525 • Bottom 3.4% in tier

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

Why This Signature
Asset Growth (YoY): 30.34%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 36.68%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 66.37%
(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 | New qualifier

Margin Compression

decline
#24 of 136 • Bottom 5.5% in tier

Strong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.

Why This Signature
Return on Assets: 1.39%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
ROA Change (YoY): -0.85% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Total Assets: $106.06M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
136 of 1077 Community CUs have this signature | 169 nationally
↓ Shrinking -43 CUs YoY | New qualifier

Credit Quality Pressure

risk
#156 of 736 • Bottom 6.3% in tier

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

Why This Signature
Delinquency Change (YoY): 0.46% 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

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 (11 metrics)

5
Member Growth Rate
growth
Value: 66.37%
Peer Avg: 0.72%
#5 of 1077 Top 0.4% in 100M-500M tier
12
Deposit Growth Rate
growth
Value: 33.65%
Peer Avg: 4.69%
#12 of 1077 Top 1.0% in 100M-500M tier
13
Asset Growth Rate
growth
Value: 30.34%
Peer Avg: 4.70%
#13 of 1077 Top 1.1% in 100M-500M tier
17
First Mortgage Concentration (%)
balance_sheet
Value: 0.42%
Peer Avg: 30.43%
#17 of 1077 Top 1.5% in 100M-500M tier
20
Loan Growth Rate
growth
Value: 31.71%
Peer Avg: 3.45%
#20 of 1077 Top 1.8% in 100M-500M tier
20
Members Per Employee (MPE)
engagement
Value: 632.333
Peer Avg: 332.881
#20 of 1077 Top 1.8% in 100M-500M tier
48
Net Worth Ratio
risk
Value: 18.74%
Peer Avg: 12.15%
#48 of 1077 Top 4.4% in 100M-500M tier
137
Net Interest Margin (NIM)
profitability
Value: 4.34%
Peer Avg: 3.58%
#137 of 1077 Top 12.6% in 100M-500M tier
159
Return on Assets (ROA)
profitability
Value: 1.39%
Peer Avg: 0.79%
#159 of 1077 Top 14.7% in 100M-500M tier
222
Net Charge-Off Rate
risk
Value: 0.14%
Peer Avg: 0.47%
#222 of 1077 Top 20.5% in 100M-500M tier

Top Weaknesses (9 metrics)

1070
AMR Growth Rate
growth
Value: -20.12%
Peer Avg: 3.64%
#1070 of 1077 Bottom 0.7% in 100M-500M tier
1067
Total Deposits
balance_sheet
Value: $85.66M
Peer Avg: $200.29M
#1067 of 1077 Bottom 1.0% in 100M-500M tier
1056
Fee Income Per Member
profitability
Value: $38.71
Peer Avg: $174.31
#1056 of 1077 Bottom 2.0% in 100M-500M tier
1034
Total Assets
balance_sheet
Value: $106.06M
Peer Avg: $231.30M
#1034 of 1077 Bottom 4.1% in 100M-500M tier
1016
Total Loans
balance_sheet
Value: $52.23M
Peer Avg: $147.80M
#1016 of 1077 Bottom 5.8% in 100M-500M tier
987
Average Member Relationship (AMR)
engagement
Value: $14,537
Peer Avg: $24,363
#987 of 1077 Bottom 8.4% in 100M-500M tier
981
Loan-to-Member Ratio (LMR)
engagement
Value: $5,506
Peer Avg: $10,245
#981 of 1077 Bottom 9.0% in 100M-500M tier
964
Indirect Auto Concentration (%)
balance_sheet
Value: 36.68%
Peer Avg: 13.34%
#964 of 1077 Bottom 10.6% in 100M-500M tier
826
Loan-to-Share Ratio
balance_sheet
Value: 60.97%
Peer Avg: 72.70%
#826 of 1077 Bottom 23.4% in 100M-500M tier