M.A.B.C.
Charter #24266 | PA
<100M
(2596 CUs)
Micro
($0-$500M)
198 <100M in PA
M.A.B.C. has 7 strengths but faces 11 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.22% above tier average
- + Net Interest Margin 0.77% 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
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Member decline: -15.9% YoY
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Total Assets: Bottom 0.8% in tier
- - Total Deposits: Bottom 1.0% in tier
- - Average Member Relationship (AMR): Bottom 1.5% in tier
- - Total Loans: Bottom 1.6% in tier
- - Loan-to-Member Ratio (LMR): Bottom 1.9% in tier
- - Loan Growth Rate: Bottom 2.4% in tier
- - Total Members: Bottom 2.4% in tier
- - Member Growth Rate: Bottom 2.6% in tier
- - Loan-to-Share Ratio: Bottom 5.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
132
-15.9% YoY0% QoQ
|
-2.5K |
2,625
-2.2% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
Bottom 2.3% in tier |
| Assets |
$159,640
-0.9% YoY-1.3% QoQ
|
$-29.7M |
$29.9M
+1.1% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 0.7% in tier |
| Loans |
$26,941
-30.2% YoY-7.3% QoQ
|
$-15.7M |
$15.8M
-2.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
Bottom 1.5% in tier |
| Deposits |
$123,846
-3.4% YoY-1.8% QoQ
|
$-25.3M |
$25.5M
+0.4% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
Bottom 0.9% in tier |
| ROA |
1.9%
-46.6% YoY-29.0% QoQ
|
+1.2% |
0.7%
-731.4% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
Top 10.8% in tier |
| NIM |
4.7%
-8.5% YoY-4.2% QoQ
|
+0.8% |
3.9%
+3.8% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
Top 20.6% in tier |
| Efficiency Ratio |
61.5%
+83.3% YoY+27.8% QoQ
|
-19.9% |
81.4%
-2.4% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
Bottom 16.1% 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 |
21.8%
-27.8% YoY-5.6% QoQ
|
-39.5% |
61.2%
-3.0% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 5.0% in tier |
| AMR |
$1,142
+7.5% YoY-2.8% QoQ
|
$-13K |
$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 (10 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
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
280
Return on Assets (ROA)
profitability
Value:
1.90%
Peer Avg: 0.68%
#280 of 2596
Top 10.7% in <100M tier
403
Net Worth Ratio
risk
Value:
22.42%
Peer Avg: 16.43%
#403 of 2596
Top 15.5% in <100M tier
407
AMR Growth Rate
growth
Value:
7.48%
Peer Avg: 4.67%
#407 of 2596
Top 15.6% in <100M tier
418
Efficiency Ratio
profitability
Value:
61.50%
Peer Avg: 81.39%
#418 of 2596
Top 16.1% in <100M tier
534
Net Interest Margin (NIM)
profitability
Value:
4.71%
Peer Avg: 3.93%
#534 of 2596
Top 20.5% in <100M tier
Top Weaknesses (12 metrics)
2596
Members Per Employee (MPE)
engagement
Value:
-
Peer Avg: 365.701
#2596 of 2596
Bottom 0.0% in <100M tier
2577
Total Assets
balance_sheet
Value:
$159,640
Peer Avg: $29.86M
#2577 of 2596
Bottom 0.8% in <100M tier
2572
Total Deposits
balance_sheet
Value:
$123,846
Peer Avg: $25.45M
#2572 of 2596
Bottom 1.0% in <100M tier
2559
Average Member Relationship (AMR)
engagement
Value:
$1,142
Peer Avg: $14,627
#2559 of 2596
Bottom 1.5% in <100M tier
2556
Total Loans
balance_sheet
Value:
$26,941
Peer Avg: $15.77M
#2556 of 2596
Bottom 1.6% in <100M tier
2547
Loan-to-Member Ratio (LMR)
engagement
Value:
$204.10
Peer Avg: $5,488
#2547 of 2596
Bottom 1.9% in <100M tier
2535
Loan Growth Rate
growth
Value:
-30.25%
Peer Avg: 59.01%
#2535 of 2596
Bottom 2.4% in <100M tier
2535
Total Members
engagement
Value:
132
Peer Avg: 2,626
#2535 of 2596
Bottom 2.4% in <100M tier
2530
Member Growth Rate
growth
Value:
-15.92%
Peer Avg: 14.92%
#2530 of 2596
Bottom 2.6% in <100M tier
2461
Loan-to-Share Ratio
balance_sheet
Value:
21.75%
Peer Avg: 61.23%
#2461 of 2596
Bottom 5.2% in <100M tier