CRAYOLA LLC EMPLOYEES CREDIT UNION
Charter #24850 | PA
<100M
(2596 CUs)
Micro
($0-$500M)
198 <100M in PA
CRAYOLA LLC EMPLOYEES CREDIT UNION has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto 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
- - ROA 0.06% below tier average
- - Efficiency ratio 0.51% above tier (higher cost structure)
- - Member decline: -3.4% YoY
- - First Mortgage Concentration (%): Bottom 2.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
792
-3.4% YoY-0.9% QoQ
|
-1.8K |
2,625
-2.2% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
Bottom 22.7% in tier |
| Assets |
$8.3M
-1.4% YoY-3.8% QoQ
|
$-21.5M |
$29.9M
+1.1% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
28th in tier |
| Loans |
$2.7M
-12.9% YoY-9.0% QoQ
|
$-13.1M |
$15.8M
-2.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
Bottom 21.8% in tier |
| Deposits |
$6.5M
-2.7% YoY-5.0% QoQ
|
$-18.9M |
$25.5M
+0.4% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
28th in tier |
| ROA |
0.6%
-68.7% YoY+3.9% QoQ
|
-0.1% |
0.7%
-731.4% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
42nd in tier |
| NIM |
3.0%
-26.3% YoY+0.3% QoQ
|
-1.0% |
3.9%
+3.8% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
Bottom 17.3% in tier |
| Efficiency Ratio |
81.9%
+43.7% YoY-0.6% QoQ
|
+0.5% |
81.4%
-2.4% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
59th in tier |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-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 |
41.4%
-10.5% YoY-4.3% QoQ
|
-19.9% |
61.2%
-3.0% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 20.5% in tier |
| AMR |
$11,634
-2.6% YoY-5.4% QoQ
|
$-3K |
$14,627
-2.7% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
38th 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 (5 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
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
446
Net Worth Ratio
risk
Value:
21.71%
Peer Avg: 16.43%
#446 of 2596
Top 17.1% in <100M tier
Top Weaknesses (6 metrics)
2544
First Mortgage Concentration (%)
balance_sheet
Value:
70.90%
Peer Avg: 14.49%
#2544 of 2596
Bottom 2.0% in <100M tier
2216
Loan Growth Rate
growth
Value:
-12.88%
Peer Avg: 59.01%
#2216 of 2596
Bottom 14.7% in <100M tier
2146
Net Interest Margin (NIM)
profitability
Value:
2.97%
Peer Avg: 3.93%
#2146 of 2596
Bottom 17.4% in <100M tier
2059
Loan-to-Share Ratio
balance_sheet
Value:
41.37%
Peer Avg: 61.23%
#2059 of 2596
Bottom 20.7% in <100M tier
2029
Total Loans
balance_sheet
Value:
$2.70M
Peer Avg: $15.77M
#2029 of 2596
Bottom 21.9% in <100M tier
2004
Total Members
engagement
Value:
792
Peer Avg: 2,626
#2004 of 2596
Bottom 22.8% in <100M tier