SERVICE STATION DEALERS

Charter #24733 | PA

<100M (2596 CUs) Micro
198 <100M in PA

SERVICE STATION DEALERS has 8 strengths but faces 16 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Net Interest Margin 0.88% 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
  • + Loan-to-Share Ratio: Top 0.0% in tier
  • + Net Worth Ratio: Top 0.2% in tier
  • + Net Charge-Off Rate: Top 9.4% in tier

Key Concerns

Areas that may need attention

  • - ROA 3.63% below tier average
  • - Efficiency ratio 79.87% above tier (higher cost structure)
  • - Member decline: -31.2% YoY
  • - Members Per Employee (MPE): Bottom 0.0% in tier
  • - Total Deposits: Bottom 0.3% in tier
  • - Total Members: Bottom 0.4% in tier
  • - Total Assets: Bottom 0.5% in tier
  • - Deposit Growth Rate: Bottom 0.6% in tier
  • - AMR Growth Rate: Bottom 1.0% in tier
  • - Average Member Relationship (AMR): Bottom 1.0% in tier
  • - Member Growth Rate: Bottom 1.1% in tier
  • - Asset Growth Rate: Bottom 1.2% in tier
  • - Loan Growth Rate: Bottom 1.4% in tier
  • - Total Loans: Bottom 1.8% in tier
  • - Fee Income Per Member: Bottom 3.9% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 4.1% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Members 53
-31.2% YoY0% QoQ
 -2.6K 2,625
-2.2% YoY
 17,552
+5.9% YoY
 33,089
+6.1% YoY
 Bottom 0.3% in tier
Assets $128,649
-20.7% YoY-9.1% QoQ
 $-29.7M $29.9M
+1.1% YoY
 $283.8M
+10.6% YoY
 $547.7M
+7.8% YoY
 Bottom 0.5% in tier
Loans $30,466
-44.2% YoY-12.2% QoQ
 $-15.7M $15.8M
-2.4% YoY
 $193.1M
+8.6% YoY
 $388.7M
+8.6% YoY
 Bottom 1.8% in tier
Deposits $18,246
-62.9% YoY-35.3% QoQ
 $-25.4M $25.5M
+0.4% YoY
 $243.3M
+10.9% YoY
 $464.6M
+9.3% YoY
 Bottom 0.2% in tier
ROA -2.9%
+678.9% YoY+12215.4% QoQ
 -3.6% 0.7%
-731.4% YoY
 0.8%
+22.9% YoY
 0.7%
+273.4% YoY
 Bottom 2.1% in tier
NIM 4.8%
-3.2% YoY+0.6% QoQ
 +0.9% 3.9%
+3.8% YoY
 3.5%
+4.5% YoY
 3.7%
+5.0% YoY
 Top 17.8% in tier
Efficiency Ratio 161.3%
+49.9% YoY+60.5% QoQ
 +79.9% 81.4%
-2.4% YoY
 76.2%
-1.5% YoY
 79.1%
-3.3% YoY
 Top 2.3% 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 167.0%
+50.4% YoY+35.7% QoQ
 +105.7% 61.2%
-3.0% YoY
 55.4%
-2.3% YoY
 68.0%
-1.7% YoY
 Top 0.2% in tier
AMR $919.1
-31.8% YoY-22.6% QoQ
 $-14K $14,627
-2.7% YoY
 $16,339
+4.2% YoY
 $19,418
+1.3% YoY
 Bottom 1.0% 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)

Comparing against 2596 peers in tier

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
2
Loan-to-Share Ratio
balance_sheet
Value: 166.97%
Peer Avg: 61.23%
#2 of 2596 Top 0.0% in <100M tier
7
Net Worth Ratio
risk
Value: 85.82%
Peer Avg: 16.43%
#7 of 2596 Top 0.2% 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
463
Net Interest Margin (NIM)
profitability
Value: 4.81%
Peer Avg: 3.93%
#463 of 2596 Top 17.8% in <100M tier

Top Weaknesses (15 metrics)

2596
Members Per Employee (MPE)
engagement
Value: -
Peer Avg: 365.701
#2596 of 2596 Bottom 0.0% in <100M tier
2590
Total Deposits
balance_sheet
Value: $18,246
Peer Avg: $25.45M
#2590 of 2596 Bottom 0.3% in <100M tier
2586
Total Members
engagement
Value: 53
Peer Avg: 2,626
#2586 of 2596 Bottom 0.4% in <100M tier
2583
Total Assets
balance_sheet
Value: $128,649
Peer Avg: $29.86M
#2583 of 2596 Bottom 0.5% in <100M tier
2581
Deposit Growth Rate
growth
Value: -62.91%
Peer Avg: 16.80%
#2581 of 2596 Bottom 0.6% in <100M tier
2570
AMR Growth Rate
growth
Value: -31.81%
Peer Avg: 4.67%
#2570 of 2596 Bottom 1.0% in <100M tier
2570
Average Member Relationship (AMR)
engagement
Value: $919.09
Peer Avg: $14,627
#2570 of 2596 Bottom 1.0% in <100M tier
2569
Member Growth Rate
growth
Value: -31.17%
Peer Avg: 14.92%
#2569 of 2596 Bottom 1.1% in <100M tier
2566
Asset Growth Rate
growth
Value: -20.70%
Peer Avg: 1.82%
#2566 of 2596 Bottom 1.2% in <100M tier
2560
Loan Growth Rate
growth
Value: -44.20%
Peer Avg: 59.01%
#2560 of 2596 Bottom 1.4% in <100M tier